Best Cheap Auto Insurance in Jefferson, NY (2021)

The average Jefferson, NY auto insurance rates are $286 per month. The minimum auto insurance in Jefferson is at least 25/50/10 in coverage to comply with New York auto insurance laws. To find the best cheap auto insurance in Jefferson, New York, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Jefferson, NY for senior drivers are $2,122 per year
  • The cheapest auto insurance company in Jefferson is GEICO
  • The most expensive auto insurance company in Jefferson for teen drivers is Liberty Mutual

Jefferson, New York auto insurance requirements are 25/50/10 according to New York auto insurance laws. Finding cheap auto insurance in Jefferson can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Jefferson, New York, including driving record, credit, commute time, and more.

Compare auto insurance in Jefferson to other New York cities, including Mount Vernon auto insurance rates, New York auto insurance rates, and Utica auto insurance rates to see how Jefferson, New York auto insurance rates stack up.

Before you buy Jefferson, New York auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Jefferson, New York auto insurance quotes.

Minimum Auto Insurance in Jefferson, New York

Jefferson, New York auto insurance laws require that you have at least the New York minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Jefferson, New York.

Minimum Required Auto Insurance Coverage in Jefferson, 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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Cheap Jefferson, New York Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Jefferson, New York are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Jefferson, 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 $2,408 $2,284 $2,241 $2,278 $6,769 $7,260 $2,432 $2,471
GEICO $1,606 $1,546 $1,561 $1,538 $3,362 $4,907 $1,450 $1,489
Liberty Mutual $4,244 $4,244 $3,949 $3,949 $8,248 $13,407 $4,244 $4,515
Nationwide $2,068 $2,068 $1,954 $1,954 $3,660 $5,437 $2,068 $2,629
Progressive $1,985 $1,870 $1,594 $1,617 $6,468 $7,208 $2,555 $2,501
State Farm $1,971 $1,971 $1,715 $1,715 $5,749 $7,421 $2,163 $2,289
Travelers $2,506 $2,537 $2,277 $2,448 $5,725 $6,781 $2,661 $2,780
USAA $1,750 $1,722 $1,576 $1,583 $6,993 $8,362 $2,243 $2,480

Cheap Jefferson, New York Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Jefferson, New York is a challenge. Take a look at the annual teen auto insurance rates in Jefferson, New York.

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,769 $7,260
GEICO $3,362 $4,907
Liberty Mutual $8,248 $13,407
Nationwide $3,660 $5,437
Progressive $6,468 $7,208
State Farm $5,749 $7,421
Travelers $5,725 $6,781
USAA $6,993 $8,362

Cheap Jefferson, New York Auto Insurance for Seniors

What are senior auto insurance rates in Jefferson, New York? Take a look at the annual average rates for older drivers.

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,241 $2,278
GEICO $1,561 $1,538
Liberty Mutual $3,949 $3,949
Nationwide $1,954 $1,954
Progressive $1,594 $1,617
State Farm $1,715 $1,715
Travelers $2,277 $2,448
USAA $1,576 $1,583

Cheap Jefferson, New York Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Jefferson, New York compared to the annual auto insurance rates with a clean record in Jefferson, New York.

Annual Jefferson, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,008 $3,008 $4,310 $3,746
GEICO $1,719 $1,873 $3,419 $1,719
Liberty Mutual $4,698 $4,698 $9,308 $4,698
Nationwide $2,094 $2,094 $4,589 $2,141
Progressive $3,138 $3,138 $3,467 $3,156
State Farm $2,979 $2,979 $3,270 $3,270
Travelers $2,977 $3,691 $3,744 $3,445
USAA $2,972 $3,020 $4,343 $3,020

Cheap Jefferson, New York Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Jefferson, New York is not easy. Compare the annual rates for DUI auto insurance in Jefferson, New York to find the best deal.

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,310
GEICO $3,419
Liberty Mutual $9,308
Nationwide $4,589
Progressive $3,467
State Farm $3,270
Travelers $3,744
USAA $4,343

Cheap Jefferson, New York Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Jefferson, New York annual auto insurance rates by credit history compare.

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

Insurance Company Poor Fair Good
Allstate $5,003 $2,966 $2,585
GEICO $2,734 $2,010 $1,803
Liberty Mutual $8,187 $5,354 $4,009
Nationwide $2,730 $2,730 $2,730
Progressive $5,139 $2,625 $1,910
State Farm $4,411 $2,766 $2,196
Travelers $4,757 $3,013 $2,623
USAA $5,185 $2,565 $2,265

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Cheap Jefferson, New York Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Jefferson, New York can vary. Compare the annual cost of auto insurance by ZIP code in Jefferson, New York to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Jefferson, New York

ZIP Code Average Annual Rates
12093 $3,446

Cheap Jefferson, New York Auto Insurance Rates By Commute

Commute length and annual mileage affect Jefferson, New York auto insurance. Find the cheapest annual Jefferson, New York auto insurance by commute length.

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,471 $3,565
GEICO $2,118 $2,247
Liberty Mutual $5,686 $6,015
Nationwide $2,730 $2,730
Progressive $3,225 $3,225
State Farm $3,015 $3,234
Travelers $3,464 $3,464
USAA $3,305 $3,372

Cheap Jefferson, New York Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Jefferson, New York? Check out the comparison of annual Jefferson, New York auto insurance rates by coverage level.

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

Insurance Company Low Medium High
Allstate $3,342 $3,506 $3,706
GEICO $2,072 $2,173 $2,302
Liberty Mutual $5,608 $5,832 $6,111
Nationwide $2,584 $2,711 $2,895
Progressive $3,090 $3,210 $3,375
State Farm $2,972 $3,141 $3,260
Travelers $3,302 $3,433 $3,657
USAA $3,250 $3,324 $3,442

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Best By Category: Cheapest Auto Insurance in Jefferson, New York

Compare the cheapest auto insurance companies in Jefferson, New York in each category to find the company with the best rates for your personal needs.

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

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

The Cheapest Jefferson, New York Auto Insurance Companies

What auto insurance companies in Jefferson, New York are the cheapest? Compare the top Jefferson, New York auto insurance companies to find the best annual rates.

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

Insurance Company Average Annual Rates
Allstate $3,518
GEICO $2,182
Liberty Mutual $5,850
Nationwide $2,730
Progressive $3,225
State Farm $3,124
Travelers $3,464
USAA $3,339

What affects auto insurance rates in Jefferson, New York?

There are a lot of reasons why auto insurance rates in Jefferson, New York are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Jefferson, New York. Many local factors may affect your Jefferson auto insurance rates.

Jefferson Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Jefferson, New York commute length is 24.4 minutes according to City-Data.

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Compare Jefferson, New York Auto Insurance Quotes

Before you buy Jefferson, New York auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Jefferson, New York auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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