Best Cheap Auto Insurance in Pearl River, NY (2021)

The average Pearl River, NY auto insurance rates are $437 per month. The minimum auto insurance in Pearl River is at least 25/50/10 in coverage to comply with New York auto insurance laws. To find the best cheap auto insurance in Pearl River, 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

  • The most expensive auto insurance company in Pearl River for teen drivers is Progressive
  • The cheapest auto insurance company in Pearl River is GEICO
  • The average commute length in Pearl River is 34.8 minutes

Pearl River, New York auto insurance requirements are 25/50/10 according to New York auto insurance laws. Finding cheap auto insurance in Pearl River 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 Pearl River, New York, including driving record, credit, commute time, and more.

Compare auto insurance in Pearl River to other New York cities, including Schenectady auto insurance rates, Mount Vernon auto insurance rates, and Yonkers auto insurance rates to see how Pearl River, New York auto insurance rates stack up.

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

Minimum Auto Insurance in Pearl River, New York

Pearl River, 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 Pearl River, New York.

Minimum Required Auto Insurance Coverage in Pearl River, 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 Pearl River, New York Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Pearl River, 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 Pearl River, 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 $3,849 $3,586 $3,640 $3,700 $11,926 $12,832 $3,726 $3,747
GEICO $2,191 $2,110 $2,134 $2,102 $4,766 $7,089 $1,969 $2,027
Liberty Mutual $5,449 $5,449 $5,077 $5,077 $10,665 $15,392 $5,449 $5,781
Nationwide $3,750 $3,750 $3,525 $3,525 $7,010 $10,563 $3,750 $4,866
Progressive $3,774 $3,387 $2,899 $2,976 $12,616 $13,691 $4,736 $4,407
State Farm $3,157 $3,157 $2,768 $2,768 $9,314 $11,447 $3,489 $3,678
Travelers $3,845 $3,820 $3,532 $3,749 $9,284 $11,082 $4,062 $4,186
USAA $2,147 $2,104 $1,962 $1,952 $8,913 $10,561 $2,743 $3,024

Cheap Pearl River, New York Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Pearl River, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,926 $12,832
GEICO $4,766 $7,089
Liberty Mutual $10,665 $15,392
Nationwide $7,010 $10,563
Progressive $12,616 $13,691
State Farm $9,314 $11,447
Travelers $9,284 $11,082
USAA $8,913 $10,561

Cheap Pearl River, New York Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Pearl River, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,640 $3,700
GEICO $2,134 $2,102
Liberty Mutual $5,077 $5,077
Nationwide $3,525 $3,525
Progressive $2,899 $2,976
State Farm $2,768 $2,768
Travelers $3,532 $3,749
USAA $1,962 $1,952

Cheap Pearl River, 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 Pearl River, New York compared to the annual auto insurance rates with a clean record in Pearl River, New York.

Annual Pearl River, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,907 $4,907 $7,380 $6,310
GEICO $2,350 $2,564 $4,930 $2,350
Liberty Mutual $5,736 $5,736 $11,964 $5,736
Nationwide $3,836 $3,836 $8,770 $3,928
Progressive $5,878 $5,878 $6,564 $5,923
State Farm $4,724 $4,724 $5,221 $5,221
Travelers $4,598 $5,841 $5,926 $5,415
USAA $3,701 $3,764 $5,475 $3,764

Cheap Pearl River, New York Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Pearl River, New York

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,380
GEICO $4,930
Liberty Mutual $11,964
Nationwide $8,770
Progressive $6,564
State Farm $5,221
Travelers $5,926
USAA $5,475

Cheap Pearl River, New York Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Pearl River, New York

Insurance Company Poor Fair Good
Allstate $8,498 $4,916 $4,213
GEICO $3,821 $2,806 $2,519
Liberty Mutual $10,210 $6,673 $4,995
Nationwide $5,092 $5,092 $5,092
Progressive $9,961 $4,792 $3,429
State Farm $7,021 $4,402 $3,494
Travelers $7,586 $4,701 $4,048
USAA $6,382 $3,262 $2,883

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Cheap Pearl River, New York Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Pearl River, New York

ZIP Code Average Annual Rates
10965 $5,293

Cheap Pearl River, New York Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Pearl River, New York

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,793 $5,959
GEICO $2,957 $3,139
Liberty Mutual $7,082 $7,503
Nationwide $5,092 $5,092
Progressive $6,061 $6,061
State Farm $4,791 $5,154
Travelers $5,445 $5,445
USAA $4,134 $4,218

Cheap Pearl River, New York Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Pearl River, New York

Insurance Company Low Medium High
Allstate $5,501 $5,852 $6,274
GEICO $2,868 $3,037 $3,241
Liberty Mutual $6,915 $7,273 $7,690
Nationwide $4,743 $5,046 $5,489
Progressive $5,692 $6,013 $6,476
State Farm $4,681 $5,005 $5,231
Travelers $5,130 $5,383 $5,821
USAA $4,027 $4,149 $4,352

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Best By Category: Cheapest Auto Insurance in Pearl River, New York

Compare the cheapest auto insurance companies in Pearl River, 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 Pearl River, New York

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

The Cheapest Pearl River, New York Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Pearl River, New York

Insurance Company Average Annual Rates
Allstate $5,876
GEICO $3,048
Liberty Mutual $7,293
Nationwide $5,092
Progressive $6,061
State Farm $4,972
Travelers $5,445
USAA $4,176

What affects auto insurance rates in Pearl River, New York?

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

Pearl River Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Pearl River, New York commute length is 34.8 minutes according to City-Data.

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Compare Pearl River, New York Auto Insurance Quotes

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