Best Cheap Auto Insurance in Pelham, NY (2021)

The average Pelham, NY auto insurance rates are $442 per month. The minimum auto insurance in Pelham is at least 25/50/10 in coverage to comply with New York auto insurance laws. To find the best cheap auto insurance in Pelham, New York, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 cheapest auto insurance company in Pelham is GEICO
  • The average commute length in Pelham is 39.7 minutes
  • Average auto insurance rates in Pelham, NY for senior drivers are $3,243 per year

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

Compare auto insurance in Pelham to other New York cities, including Utica auto insurance rates, New Rochelle auto insurance rates, and New York auto insurance rates to see how Pelham, New York auto insurance rates stack up.

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

Minimum Auto Insurance in Pelham, New York

Pelham, 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 Pelham, New York.

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

Auto insurance rates in Pelham, 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 Pelham, 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 $3,746 $3,532 $3,532 $3,604 $11,375 $12,272 $3,695 $3,756
GEICO $1,948 $1,877 $1,898 $1,870 $4,223 $6,275 $1,750 $1,803
Liberty Mutual $5,239 $5,239 $4,877 $4,877 $10,203 $14,794 $5,239 $5,569
Nationwide $3,389 $3,389 $3,190 $3,190 $6,238 $9,362 $3,389 $4,371
Progressive $3,633 $3,315 $2,832 $2,904 $12,275 $13,455 $4,617 $4,386
State Farm $3,695 $3,695 $3,242 $3,242 $10,923 $13,416 $4,087 $4,309
Travelers $4,505 $4,474 $4,120 $4,371 $10,773 $12,818 $4,749 $4,893
USAA $2,279 $2,236 $2,073 $2,069 $9,382 $11,143 $2,920 $3,224

Cheap Pelham, New York Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,375 $12,272
GEICO $4,223 $6,275
Liberty Mutual $10,203 $14,794
Nationwide $6,238 $9,362
Progressive $12,275 $13,455
State Farm $10,923 $13,416
Travelers $10,773 $12,818
USAA $9,382 $11,143

Cheap Pelham, New York Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,532 $3,604
GEICO $1,898 $1,870
Liberty Mutual $4,877 $4,877
Nationwide $3,190 $3,190
Progressive $2,832 $2,904
State Farm $3,242 $3,242
Travelers $4,120 $4,371
USAA $2,073 $2,069

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

Annual Pelham, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,770 $4,770 $7,117 $6,101
GEICO $2,090 $2,280 $4,363 $2,090
Liberty Mutual $5,562 $5,562 $11,332 $5,562
Nationwide $3,456 $3,456 $7,808 $3,538
Progressive $5,754 $5,754 $6,406 $5,794
State Farm $5,534 $5,534 $6,118 $6,118
Travelers $5,360 $6,796 $6,896 $6,299
USAA $3,918 $3,983 $5,779 $3,983

Cheap Pelham, New York Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,117
GEICO $4,363
Liberty Mutual $11,332
Nationwide $7,808
Progressive $6,406
State Farm $6,118
Travelers $6,896
USAA $5,779

Cheap Pelham, New York Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $8,120 $4,795 $4,153
GEICO $3,391 $2,490 $2,235
Liberty Mutual $9,804 $6,411 $4,800
Nationwide $4,565 $4,565 $4,565
Progressive $9,609 $4,749 $3,423
State Farm $8,225 $5,159 $4,095
Travelers $8,873 $5,456 $4,684
USAA $6,792 $3,430 $3,026

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Cheap Pelham, New York Auto Insurance Rates By ZIP Code

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

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

ZIP Code Average Annual Rates
10803 $5,344

Cheap Pelham, New York Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,609 $5,770
GEICO $2,625 $2,786
Liberty Mutual $6,802 $7,208
Nationwide $4,565 $4,565
Progressive $5,927 $5,927
State Farm $5,614 $6,038
Travelers $6,338 $6,338
USAA $4,371 $4,460

Cheap Pelham, New York Auto Insurance Rates By Coverage Level

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

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

Insurance Company Low Medium High
Allstate $5,332 $5,654 $6,082
GEICO $2,545 $2,695 $2,876
Liberty Mutual $6,678 $6,987 $7,350
Nationwide $4,255 $4,521 $4,917
Progressive $5,563 $5,877 $6,341
State Farm $5,492 $5,863 $6,124
Travelers $5,962 $6,259 $6,793
USAA $4,254 $4,387 $4,607

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

Compare the cheapest auto insurance companies in Pelham, 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 Pelham, New York

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

The Cheapest Pelham, New York Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $5,689
GEICO $2,705
Liberty Mutual $7,005
Nationwide $4,565
Progressive $5,927
State Farm $5,826
Travelers $6,338
USAA $4,416

What affects auto insurance rates in Pelham, New York?

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

Pelham Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Pelham, New York commute length is 39.7 minutes according to City-Data.

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Compare Pelham, New York Auto Insurance Quotes

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