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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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • The cheapest car insurance company in Berlin after a DUI is State Farm
  • Average car insurance rates in Berlin, NY for senior drivers are $2,014/year
  • Average car insurance rates in Berlin, NY are $273/month

Average car insurance rates in Berlin, New York are $273 a month. But with a little research you can get a great deal from the top car insurance companies in Berlin, NY. Before you buy Berlin, New York car insurance, make sure your coverage meets or exceeds the New York minimum of 25/50/10.

It may even be helpful to compare Berlin car insurance rates with Syracuse car insurance rates, Yonkers car insurance rates, or Mount Vernon car insurance rates to make sure you’re getting the best Berlin, NY car insurance quotes available.

Need affordable Berlin, NY car insurance? Enter your ZIP code to compare Berlin car insurance quotes from multiple car insurance companies near you.

Berlin, NY Minimum Car Insurance Coverage

Berlin, New York law requires drivers carry a minimum of 25/50/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Berlin, 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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Berlin, NY Car Insurance Rates by Coverage Level

Some Berlin drivers can get by with the New York minimum coverage of 25/50/10. Other drivers may need more. See how much your Berlin, New York car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Berlin, New York

Insurance Company Low Medium High
Allstate $3,548 $3,720 $3,926
GEICO $1,953 $2,059 $2,184
Liberty Mutual $4,785 $4,986 $5,237
Nationwide $2,614 $2,754 $2,955
Progressive $2,865 $3,003 $3,193
State Farm $2,867 $3,029 $3,143
Travelers $3,419 $3,560 $3,792
USAA $2,917 $2,994 $3,115

Berlin, NY Car Insurance Rates by Age, Gender, and Marital Status

Berlin, New York car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Berlin, NY car insurance, get quotes from multiple car insurance companies in the Berlin area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Berlin, 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 $2,482 $2,345 $2,330 $2,374 $7,384 $7,982 $2,462 $2,491
GEICO $1,510 $1,455 $1,470 $1,449 $3,192 $4,685 $1,361 $1,401
Liberty Mutual $3,624 $3,624 $3,377 $3,377 $7,078 $11,473 $3,624 $3,844
Nationwide $2,096 $2,096 $1,980 $1,980 $3,734 $5,548 $2,096 $2,667
Progressive $1,790 $1,660 $1,417 $1,447 $6,275 $6,978 $2,327 $2,270
State Farm $1,889 $1,889 $1,645 $1,645 $5,564 $7,190 $2,075 $2,207
Travelers $2,574 $2,599 $2,351 $2,523 $5,975 $7,109 $2,736 $2,854
USAA $1,571 $1,543 $1,427 $1,426 $6,338 $7,543 $2,007 $2,213

Berlin, NY Car Insurance Rates for Teens

How much is Berlin, New York car insurance for teens? Compare rates from top Berlin car insurance companies below to help find the cheapest teen car insurance in Berlin, NY.

Annual Car Insurance Rates for Teen Drivers in Berlin, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,384 $7,982
GEICO $3,192 $4,685
Liberty Mutual $7,078 $11,473
Nationwide $3,734 $5,548
Progressive $6,275 $6,978
State Farm $5,564 $7,190
Travelers $5,975 $7,109
USAA $6,338 $7,543

Berlin, NY Car Insurance Rates for Seniors

Before seniors buy Berlin, New York car insurance, they should make sure to shop around. Some Berlin, NY car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Berlin, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,330 $2,374
GEICO $1,470 $1,449
Liberty Mutual $3,377 $3,377
Nationwide $1,980 $1,980
Progressive $1,417 $1,447
State Farm $1,645 $1,645
Travelers $2,351 $2,523
USAA $1,427 $1,426

Berlin, NY Car Insurance Rates by Credit History

How does your credit history affect Berlin, NY car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Berlin, New York

Insurance Company Poor Fair Good
Allstate $5,324 $3,145 $2,725
GEICO $2,588 $1,902 $1,707
Liberty Mutual $6,992 $4,580 $3,436
Nationwide $2,775 $2,775 $2,775
Progressive $4,784 $2,469 $1,808
State Farm $4,253 $2,668 $2,118
Travelers $4,924 $3,125 $2,722
USAA $4,627 $2,334 $2,064

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Berlin, NY Car Insurance Rates by Driver History

How does a single speeding ticket affect your Berlin, New York car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Berlin.

Annual Berlin, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,152 $3,152 $4,630 $3,990
GEICO $1,619 $1,765 $3,259 $1,619
Liberty Mutual $3,990 $3,990 $8,041 $3,990
Nationwide $2,128 $2,128 $4,667 $2,176
Progressive $2,935 $2,935 $3,260 $2,953
State Farm $2,871 $2,871 $3,155 $3,155
Travelers $3,074 $3,830 $3,884 $3,573
USAA $2,670 $2,713 $3,937 $2,713

Berlin, NY Car Insurance Rates With a DUI

Even a single DUI can increase your Berlin, NY car insurance rates. Compare rates below to see which Berlin car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Berlin, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,630
GEICO $3,259
Liberty Mutual $8,041
Nationwide $4,667
Progressive $3,260
State Farm $3,155
Travelers $3,884
USAA $3,937

Berlin, NY Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Berlin, NY car insurance rates may be. Let’s take a look at average car insurance rates from top Berlin companies based on commute time.

Annual Car Insurance Rates by Commute Length in Berlin, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,681 $3,782
GEICO $2,004 $2,126
Liberty Mutual $4,863 $5,142
Nationwide $2,775 $2,775
Progressive $3,020 $3,020
State Farm $2,909 $3,117
Travelers $3,590 $3,590
USAA $2,978 $3,038

Berlin, NY Cheapest Car Insurance Rates

How do the top Berlin, New York car insurance companies’ average rates stack up against the Berlin average monthly car insurance rates of $273? Take a look and see.

Best Annual Car Insurance Rates by Company in Berlin, New York

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

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Berlin, NY Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Berlin, New York car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Berlin, New York

Insurance Company Average Annual Rates
Allstate $3,731
GEICO $2,065
Liberty Mutual $5,003
Nationwide $2,775
Progressive $3,020
State Farm $3,013
Travelers $3,590
USAA $3,008

Other Factors Affecting Berlin, NY Car Insurance Rates

Before you buy Berlin, New York car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Berlin, NY Commute Time

How does your Berlin, NY commute time compare with the average driver? In Berlin, the average commute is 18.8 minutes.

Berlin, NY Traffic

Spending time in Berlin traffic can lead to higher car insurance rates. According to INRIX data, Berlin, NY ranks as the 41st-most congested with traffic in the world.

Berlin, NY Car Insurance Quotes

Compare Berlin, NY car insurance quotes from multiple companies by entering your ZIP code now.