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

  • Average car insurance rates in Orchard Park, NY for senior drivers are $2,192/year
  • The cheapest car insurance company in Orchard Park for teen drivers is GEICO
  • The cheapest car insurance company in Orchard Park after a DUI is GEICO

Average car insurance rates in Orchard Park, New York are $297 a month. But with a little research you can get a great deal from the top car insurance companies in Orchard Park, NY. Before you buy Orchard Park, 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 Orchard Park car insurance rates with Yonkers car insurance rates, Schenectady car insurance rates, or Buffalo car insurance rates to make sure you’re getting the best Orchard Park, NY car insurance quotes available.

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

Orchard Park, NY Minimum Car Insurance Coverage

Orchard Park, 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 Orchard Park, 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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Orchard Park, NY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Orchard Park, New York

Insurance Company Low Medium High
Allstate $3,786 $4,040 $4,342
GEICO $1,876 $1,990 $2,116
Liberty Mutual $4,605 $4,838 $5,127
Nationwide $3,268 $3,488 $3,812
Progressive $2,897 $3,055 $3,268
State Farm $3,940 $4,257 $4,477
Travelers $3,503 $3,704 $4,060
USAA $2,962 $3,038 $3,157

Orchard Park, NY Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Orchard Park, 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 $2,758 $2,567 $2,596 $2,622 $8,007 $8,565 $2,672 $2,663
GEICO $1,452 $1,399 $1,414 $1,394 $3,091 $4,553 $1,307 $1,344
Liberty Mutual $3,523 $3,523 $3,283 $3,283 $6,859 $11,120 $3,523 $3,740
Nationwide $2,624 $2,624 $2,473 $2,473 $4,806 $7,187 $2,624 $3,372
Progressive $1,840 $1,709 $1,476 $1,499 $6,356 $7,052 $2,369 $2,285
State Farm $2,626 $2,626 $2,303 $2,303 $7,880 $10,121 $2,897 $3,045
Travelers $2,652 $2,660 $2,448 $2,609 $6,335 $7,634 $2,805 $2,903
USAA $1,591 $1,561 $1,447 $1,444 $6,444 $7,661 $2,031 $2,239

Orchard Park, NY Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Orchard Park, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,007 $8,565
GEICO $3,091 $4,553
Liberty Mutual $6,859 $11,120
Nationwide $4,806 $7,187
Progressive $6,356 $7,052
State Farm $7,880 $10,121
Travelers $6,335 $7,634
USAA $6,444 $7,661

Orchard Park, NY Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Orchard Park, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,596 $2,622
GEICO $1,414 $1,394
Liberty Mutual $3,283 $3,283
Nationwide $2,473 $2,473
Progressive $1,476 $1,499
State Farm $2,303 $2,303
Travelers $2,448 $2,609
USAA $1,447 $1,444

Orchard Park, NY Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Orchard Park, New York

Insurance Company Poor Fair Good
Allstate $5,860 $3,395 $2,913
GEICO $2,499 $1,836 $1,648
Liberty Mutual $6,786 $4,447 $3,337
Nationwide $3,523 $3,523 $3,523
Progressive $4,861 $2,514 $1,844
State Farm $5,963 $3,741 $2,970
Travelers $5,221 $3,245 $2,801
USAA $4,681 $2,375 $2,101

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Orchard Park, NY Car Insurance Rates by Driver History

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

Annual Orchard Park, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,441 $3,441 $5,012 $4,332
GEICO $1,555 $1,696 $3,171 $1,555
Liberty Mutual $3,884 $3,884 $7,775 $3,884
Nationwide $2,680 $2,680 $5,989 $2,742
Progressive $2,989 $2,989 $3,308 $3,007
State Farm $4,017 $4,017 $4,432 $4,432
Travelers $3,194 $4,018 $4,074 $3,737
USAA $2,708 $2,753 $3,995 $2,753

Orchard Park, NY Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Orchard Park, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,012
GEICO $3,171
Liberty Mutual $7,775
Nationwide $5,989
Progressive $3,308
State Farm $4,432
Travelers $4,074
USAA $3,995

Orchard Park, NY Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Orchard Park, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,001 $4,112
GEICO $1,936 $2,053
Liberty Mutual $4,721 $4,992
Nationwide $3,523 $3,523
Progressive $3,073 $3,073
State Farm $4,073 $4,377
Travelers $3,756 $3,756
USAA $3,022 $3,083

Orchard Park, NY Cheapest Car Insurance Rates

How do the top Orchard Park, New York car insurance companies’ average rates stack up against the Orchard Park average monthly car insurance rates of $297? Take a look and see.

Best Annual Car Insurance Rates by Company in Orchard Park, 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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Orchard Park, NY Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Orchard Park, New York

Insurance Company Average Annual Rates
Allstate $4,056
GEICO $1,994
Liberty Mutual $4,857
Nationwide $3,523
Progressive $3,073
State Farm $4,225
Travelers $3,756
USAA $3,052

Other Factors Affecting Orchard Park, NY Car Insurance Rates

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

Orchard Park, NY Commute Time

How does your Orchard Park, NY commute time compare with the average driver? In Orchard Park, the average commute is 21.2 minutes.

Orchard Park, NY Car Insurance Quotes

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