A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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: Jun 7, 2022

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Just What's Essential

  • The cheapest car insurance company in Congers after a DUI is GEICO
  • The cheapest car insurance company in Congers for teen drivers is GEICO
  • Average car insurance rates in Congers, NY are $440/month

Average car insurance rates in Congers, New York are $440 a month. But with a little research you can get a great deal from the top car insurance companies in Congers, NY. Before you buy Congers, 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 Congers car insurance rates with Buffalo car insurance rates, Schenectady car insurance rates, or Albany car insurance rates to make sure you’re getting the best Congers, NY car insurance quotes available.

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

Congers, NY Minimum Car Insurance Coverage

Congers, 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 Congers, 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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Congers, NY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Congers, 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 $4,914 $5,255 $5,492
Travelers $5,130 $5,383 $5,821
USAA $4,027 $4,149 $4,352

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Congers, 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 $3,307 $3,307 $2,899 $2,899 $9,787 $12,044 $3,656 $3,864
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

Congers, NY Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Congers, 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 $9,787 $12,044
Travelers $9,284 $11,082
USAA $8,913 $10,561

Congers, NY Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Congers, 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 $2,899 $2,899
Travelers $3,532 $3,749
USAA $1,962 $1,952

Congers, NY Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Congers, 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 $7,372 $4,622 $3,667
Travelers $7,586 $4,701 $4,048
USAA $6,382 $3,262 $2,883

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Congers, NY Car Insurance Rates by Driver History

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

Annual Congers, New York Car 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 $4,960 $4,960 $5,481 $5,481
Travelers $4,598 $5,841 $5,926 $5,415
USAA $3,701 $3,764 $5,475 $3,764

Congers, NY Car Insurance Rates With a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,380
GEICO $4,930
Liberty Mutual $11,964
Nationwide $8,770
Progressive $6,564
State Farm $5,481
Travelers $5,926
USAA $5,475

Congers, NY Car Insurance Rates by ZIP Code

Just like Congers car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Congers, NY car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Congers, New York

ZIP Code Average Annual Rates
10920 $5,325
10989 $5,324

Congers, NY Car Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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 $5,031 $5,410
Travelers $5,445 $5,445
USAA $4,134 $4,218

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Congers, NY Cheapest Car Insurance Rates

How do the top Congers, New York car insurance companies’ average rates stack up against the Congers average monthly car insurance rates of $440? Take a look and see.

Best Annual Car Insurance Rates by Company in Congers, 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

Congers, NY Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Congers, 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 $5,220
Travelers $5,445
USAA $4,176

Other Factors Affecting Congers, NY Car Insurance Rates

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

Congers, NY Commute Time

How does your Congers, NY commute time compare with the average driver? In Congers, the average commute is 32.8 minutes.

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Congers, NY Car Insurance Quotes

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