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 Mount Vernon after a DUI is GEICO
  • The cheapest car insurance company in Mount Vernon for teen drivers is GEICO
  • Average car insurance rates in Mount Vernon, NY for senior drivers are $3,999/year

Average car insurance rates in Mount Vernon, New York are $537 a month. But with a little research you can get a great deal from the top car insurance companies in Mount Vernon, NY. Before you buy Mount Vernon, 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 Mount Vernon car insurance rates with Albany car insurance rates, Buffalo car insurance rates, or Rochester car insurance rates to make sure you’re getting the best Mount Vernon, NY car insurance quotes available.

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

Mount Vernon, NY Minimum Car Insurance Coverage

Mount Vernon, 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 Mount Vernon, 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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Mount Vernon, NY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Mount Vernon, New York

Insurance Company Low Medium High
Allstate $7,135 $7,954 $8,961
GEICO $3,584 $3,786 $4,054
Liberty Mutual $8,470 $8,881 $9,361
Nationwide $5,498 $5,839 $6,352
Progressive $5,634 $5,947 $6,407
State Farm $5,892 $6,270 $6,535
Travelers $6,629 $6,969 $7,588
USAA $5,413 $5,575 $5,849

Mount Vernon, NY Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Mount Vernon, 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 $5,514 $5,019 $5,236 $5,248 $16,046 $16,859 $5,154 $5,059
GEICO $2,753 $2,645 $2,671 $2,631 $5,956 $8,810 $2,473 $2,525
Liberty Mutual $6,649 $6,649 $6,189 $6,189 $13,001 $18,841 $6,649 $7,066
Nationwide $4,383 $4,383 $4,123 $4,123 $8,032 $12,085 $4,383 $5,660
Progressive $3,692 $3,364 $2,875 $2,946 $12,402 $13,575 $4,681 $4,432
State Farm $3,971 $3,971 $3,483 $3,483 $11,668 $14,285 $4,392 $4,607
Travelers $5,097 $4,994 $4,638 $4,873 $11,992 $14,138 $5,331 $5,434
USAA $2,904 $2,855 $2,632 $2,638 $11,869 $14,112 $3,741 $4,148

Mount Vernon, NY Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Mount Vernon, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $16,046 $16,859
GEICO $5,956 $8,810
Liberty Mutual $13,001 $18,841
Nationwide $8,032 $12,085
Progressive $12,402 $13,575
State Farm $11,668 $14,285
Travelers $11,992 $14,138
USAA $11,869 $14,112

Mount Vernon, NY Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Mount Vernon, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,236 $5,248
GEICO $2,671 $2,631
Liberty Mutual $6,189 $6,189
Nationwide $4,123 $4,123
Progressive $2,875 $2,946
State Farm $3,483 $3,483
Travelers $4,638 $4,873
USAA $2,632 $2,638

Mount Vernon, NY Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Mount Vernon, New York

Insurance Company Poor Fair Good
Allstate $11,859 $6,618 $5,574
GEICO $4,773 $3,505 $3,146
Liberty Mutual $12,482 $8,144 $6,086
Nationwide $5,896 $5,896 $5,896
Progressive $9,745 $4,793 $3,449
State Farm $8,800 $5,518 $4,379
Travelers $9,972 $6,049 $5,165
USAA $8,660 $4,349 $3,828

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Mount Vernon, NY Car Insurance Rates by Driver History

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

Annual Mount Vernon, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $6,761 $6,761 $9,966 $8,579
GEICO $2,932 $3,199 $6,169 $2,932
Liberty Mutual $7,029 $7,029 $14,528 $7,029
Nationwide $4,450 $4,450 $10,129 $4,556
Progressive $5,821 $5,821 $6,481 $5,861
State Farm $5,920 $5,920 $6,545 $6,545
Travelers $5,959 $7,583 $7,691 $7,016
USAA $5,002 $5,084 $7,279 $5,084

Mount Vernon, NY Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Mount Vernon, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $9,966
GEICO $6,169
Liberty Mutual $14,528
Nationwide $10,129
Progressive $6,481
State Farm $6,545
Travelers $7,691
USAA $7,279

Mount Vernon, NY Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Mount Vernon, New York

ZIP Code Average Annual Rates
10550 $6,604
10552 $6,117
10553 $6,613

Mount Vernon, NY Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Mount Vernon, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,901 $8,133
GEICO $3,696 $3,920
Liberty Mutual $8,645 $9,163
Nationwide $5,896 $5,896
Progressive $5,996 $5,996
State Farm $6,001 $6,464
Travelers $7,062 $7,062
USAA $5,555 $5,670

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Mount Vernon, NY Cheapest Car Insurance Rates

How do the top Mount Vernon, New York car insurance companies’ average rates stack up against the Mount Vernon average monthly car insurance rates of $537? Take a look and see.

Best Annual Car Insurance Rates by Company in Mount Vernon, 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

Mount Vernon, NY Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Mount Vernon, New York

Insurance Company Average Annual Rates
Allstate $8,017
GEICO $3,808
Liberty Mutual $8,904
Nationwide $5,896
Progressive $5,996
State Farm $6,233
Travelers $7,062
USAA $5,612

Other Factors Affecting Mount Vernon, NY Car Insurance Rates

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

Mount Vernon, NY Commute Time

How does your Mount Vernon, NY commute time compare with the average driver? In Mount Vernon, the average commute is 36.6 minutes.

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Mount Vernon, NY Car Insurance Quotes

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