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: Aug 2, 2021

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Just What's Essential

  • Average car insurance rates in Elmsford, NY for senior drivers are $2,971/year
  • The cheapest car insurance company in Elmsford after a DUI is GEICO
  • The cheapest car insurance company in Elmsford for teen drivers is GEICO

Average car insurance rates in Elmsford, New York are $404 a month. But with a little research you can get a great deal from the top car insurance companies in Elmsford, NY. Before you buy Elmsford, 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 Elmsford car insurance rates with New York car insurance rates, Yonkers car insurance rates, or Buffalo car insurance rates to make sure you’re getting the best Elmsford, NY car insurance quotes available.

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

Elmsford, NY Minimum Car Insurance Coverage

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

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

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

Insurance Company Low Medium High
Allstate $4,598 $4,886 $5,237
GEICO $2,545 $2,695 $2,876
Liberty Mutual $6,678 $6,987 $7,350
Nationwide $4,255 $4,521 $4,917
Progressive $4,743 $5,000 $5,360
State Farm $4,545 $4,877 $5,112
Travelers $5,002 $5,260 $5,712
USAA $4,254 $4,387 $4,607

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Elmsford, 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 $3,277 $3,066 $3,081 $3,127 $9,773 $10,508 $3,205 $3,220
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 $3,027 $2,763 $2,362 $2,419 $10,524 $11,586 $3,882 $3,712
State Farm $3,064 $3,064 $2,688 $2,688 $9,082 $11,194 $3,386 $3,589
Travelers $3,743 $3,746 $3,447 $3,674 $9,055 $10,858 $3,965 $4,108
USAA $2,279 $2,236 $2,073 $2,069 $9,382 $11,143 $2,920 $3,224

Elmsford, NY Car Insurance Rates for Teens

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,773 $10,508
GEICO $4,223 $6,275
Liberty Mutual $10,203 $14,794
Nationwide $6,238 $9,362
Progressive $10,524 $11,586
State Farm $9,082 $11,194
Travelers $9,055 $10,858
USAA $9,382 $11,143

Elmsford, NY Car Insurance Rates for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,081 $3,127
GEICO $1,898 $1,870
Liberty Mutual $4,877 $4,877
Nationwide $3,190 $3,190
Progressive $2,362 $2,419
State Farm $2,688 $2,688
Travelers $3,447 $3,674
USAA $2,073 $2,069

Elmsford, NY Car Insurance Rates by Credit History

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

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

Insurance Company Poor Fair Good
Allstate $7,060 $4,117 $3,545
GEICO $3,391 $2,490 $2,235
Liberty Mutual $9,804 $6,411 $4,800
Nationwide $4,565 $4,565 $4,565
Progressive $8,088 $4,064 $2,951
State Farm $6,836 $4,290 $3,407
Travelers $7,410 $4,600 $3,963
USAA $6,792 $3,430 $3,026

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Elmsford, NY Car Insurance Rates by Driver History

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

Annual Elmsford, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,139 $4,139 $6,100 $5,251
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 $4,887 $4,887 $5,443 $4,921
State Farm $4,603 $4,603 $5,086 $5,086
Travelers $4,508 $5,705 $5,789 $5,296
USAA $3,918 $3,983 $5,779 $3,983

Elmsford, NY Car Insurance Rates With a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,100
GEICO $4,363
Liberty Mutual $11,332
Nationwide $7,808
Progressive $5,443
State Farm $5,086
Travelers $5,789
USAA $5,779

Elmsford, NY Car Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,839 $4,976
GEICO $2,625 $2,786
Liberty Mutual $6,802 $7,208
Nationwide $4,565 $4,565
Progressive $5,035 $5,035
State Farm $4,671 $5,018
Travelers $5,324 $5,324
USAA $4,371 $4,460

Elmsford, NY Cheapest Car Insurance Rates

How do the top Elmsford, New York car insurance companies’ average rates stack up against the Elmsford average monthly car insurance rates of $404? Take a look and see.

Best Annual Car Insurance Rates by Company in Elmsford, 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

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Elmsford, NY Top Car Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $4,907
GEICO $2,705
Liberty Mutual $7,005
Nationwide $4,565
Progressive $5,035
State Farm $4,845
Travelers $5,324
USAA $4,416

Other Factors Affecting Elmsford, NY Car Insurance Rates

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

Elmsford, NY Commute Time

How does your Elmsford, NY commute time compare with the average driver? In Elmsford, the average commute is 28.9 minutes.

Elmsford, NY Car Insurance Quotes

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