Buy Cheap Warsaw, NY Auto Insurance (2022)

Warsaw, NY auto insurance rates average $262 a month. Minimum auto insurance requirements in Warsaw, New York are 25/50/10 to comply with New York laws. To buy cheap auto insurance in Warsaw, NY, compare Warsaw auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Warsaw is Liberty Mutual
  • Average auto insurance rates in Warsaw, NY are $262/month
  • The most expensive auto insurance company in Warsaw after a DUI is Liberty Mutual

Finding affordable Warsaw, New York auto insurance can be challenging, but everything you need to know to buy cheap Warsaw, NY auto insurance with confidence is right here. Auto insurance rates in Warsaw are affected by local factors as well as personal ones like your driving record.

See how Warsaw, NY car insurance rates compare to Schenectady auto insurance rates, Syracuse auto insurance rates, and Utica auto insurance rates before you read more about the cost of auto insurance in Warsaw.

Don’t buy Warsaw, NY auto insurance until you’ve compared rates. Get free Warsaw, New York auto insurance quotes when you enter your ZIP code above.

Warsaw, NY Minimum Auto Insurance Requirements

The required auto insurance in Warsaw, NY is 25/50/10 according to the auto insurance laws in New York. The minimum auto insurance in Warsaw, New York is outlined here.

Minimum Required Auto Insurance Coverage in Warsaw, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Find Cheap Warsaw, NY Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Warsaw, NY. Take a look at Warsaw, New York auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Warsaw, New York

Insurance Company Poor Fair Good
Allstate $4,960 $2,940 $2,562
GEICO $2,350 $1,729 $1,551
Liberty Mutual $5,758 $3,782 $2,844
Nationwide $2,883 $2,883 $2,883
Progressive $4,119 $2,162 $1,592
State Farm $5,352 $3,359 $2,667
Travelers $4,600 $2,900 $2,522
USAA $4,707 $2,323 $2,051

Buy Cheap Warsaw, NY Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Warsaw, New York auto insurance rates? Find out how car insurance rates in Warsaw, NY are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Warsaw, New York

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,397 $2,273 $2,226 $2,260 $6,686 $7,171 $2,425 $2,459
GEICO $1,416 $1,361 $1,371 $1,351 $2,853 $4,073 $1,283 $1,308
Liberty Mutual $3,013 $3,013 $2,805 $2,805 $5,784 $9,380 $3,013 $3,206
Nationwide $2,197 $2,197 $2,075 $2,075 $3,830 $5,702 $2,197 $2,790
Progressive $1,594 $1,512 $1,304 $1,315 $5,283 $5,912 $2,058 $2,016
State Farm $2,404 $2,404 $2,095 $2,095 $6,966 $8,966 $2,638 $2,771
Travelers $2,406 $2,436 $2,191 $2,355 $5,528 $6,595 $2,552 $2,663
USAA $1,598 $1,573 $1,437 $1,445 $6,303 $7,547 $2,047 $2,264

Buy Cheap Warsaw, NY Auto Insurance for Teen Drivers

Auto insurance for teenagers in Warsaw can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Warsaw, NY are listed here.

Annual Auto Insurance Rates for Teen Drivers in Warsaw, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,686 $7,171
GEICO $2,853 $4,073
Liberty Mutual $5,784 $9,380
Nationwide $3,830 $5,702
Progressive $5,283 $5,912
State Farm $6,966 $8,966
Travelers $5,528 $6,595
USAA $6,303 $7,547

Buy Cheap Warsaw, NY Auto Insurance for Seniors

You can save on senior auto insurance rates in Warsaw, New York by comparing Warsaw senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Warsaw, NY here.

Annual Auto Insurance Rates for Senior Drivers in Warsaw, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,226 $2,260
GEICO $1,371 $1,351
Liberty Mutual $2,805 $2,805
Nationwide $2,075 $2,075
Progressive $1,304 $1,315
State Farm $2,095 $2,095
Travelers $2,191 $2,355
USAA $1,437 $1,445

Find Cheap Auto Insurance Rates in Warsaw, NY by Coverage Level

The amount of coverage you choose is a big factor in the cost of Warsaw, New York auto insurance. Compare Warsaw, NY auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Warsaw, New York

Insurance Company Low Medium High
Allstate $3,320 $3,477 $3,665
GEICO $1,794 $1,872 $1,964
Liberty Mutual $3,976 $4,114 $4,292
Nationwide $2,726 $2,861 $3,062
Progressive $2,504 $2,614 $2,755
State Farm $3,588 $3,814 $3,975
Travelers $3,160 $3,304 $3,558
USAA $2,952 $3,015 $3,115

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Find Cheap Warsaw, NY Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Warsaw. Compare auto insurance rates in Warsaw, NY by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Warsaw, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,440 $3,534
GEICO $1,823 $1,931
Liberty Mutual $4,012 $4,243
Nationwide $2,883 $2,883
Progressive $2,624 $2,624
State Farm $3,656 $3,929
Travelers $3,341 $3,341
USAA $2,997 $3,057

Find Cheap Warsaw, NY Auto Insurance Rates by Driving Record

Auto insurance rates in Warsaw, New York are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Warsaw, NY, take a look at the average cost for various violations versus rates for a clean driving record in Warsaw.

Annual Warsaw, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,990 $2,990 $4,259 $3,710
GEICO $1,506 $1,639 $2,855 $1,506
Liberty Mutual $3,338 $3,338 $6,496 $3,338
Nationwide $2,204 $2,204 $4,869 $2,254
Progressive $2,556 $2,556 $2,814 $2,571
State Farm $3,615 $3,615 $3,970 $3,970
Travelers $2,870 $3,560 $3,609 $3,324
USAA $2,697 $2,740 $3,931 $2,740

Find Cheap Warsaw, NY Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Warsaw, New York is higher than for a clean driving record. You can buy auto insurance after a DUI in Warsaw for less when you shop around and compare rates from multiple Warsaw, NY auto insurance companies.

Annual Auto Insurance Rates After a DUI in Warsaw, New York

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,259
GEICO $2,855
Liberty Mutual $6,496
Nationwide $4,869
Progressive $2,814
State Farm $3,970
Travelers $3,609
USAA $3,931

Winners by Category: Where to Buy Cheap Auto Insurance in Warsaw, NY

Compare rates from the cheapest auto insurance companies in Warsaw, NY for your needs. Take a look at how Warsaw, New York auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Warsaw, New York

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Progressive
With 1 Speeding Violation GEICO

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Find Cheap Warsaw, New York Auto Insurance Companies

If you’re looking for the cheapest Warsaw, NY auto insurance companies overall, you can compare them here. Find the best price for Warsaw, New York car insurance by company.

Average Annual Auto Insurance Rates by Company in Warsaw, New York

Insurance Company Average Annual Rates
Allstate $3,487
GEICO $1,877
Liberty Mutual $4,128
Nationwide $2,883
Progressive $2,624
State Farm $3,792
Travelers $3,341
USAA $3,027

What affects Warsaw, New York auto insurance rates?

Local factors affect auto insurance rates in Warsaw, NY, including traffic, theft statistics, and commute length. Take a look at the things that impact Warsaw auto insurance rates.

Commute Times in Warsaw

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Warsaw, NY is 18.6 minutes according to City-Data.

Traffic in Warsaw

How is traffic in Warsaw, New York? Inrix data shows that Warsaw, NY traffic makes it the 40th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Warsaw, NY

You can buy cheap Warsaw, NY auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Warsaw, New York auto insurance quotes from top companies.

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