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 Sidney, NY for senior drivers are $2,133/year
  • The cheapest car insurance company in Sidney after a DUI is Progressive
  • Average car insurance rates in Sidney, NY are $286/month

Average car insurance rates in Sidney, New York are $286 a month. But with a little research you can get a great deal from the top car insurance companies in Sidney, NY. Before you buy Sidney, 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 Sidney car insurance rates with Rochester car insurance rates, Syracuse car insurance rates, or Albany car insurance rates to make sure you’re getting the best Sidney, NY car insurance quotes available.

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

Sidney, NY Minimum Car Insurance Coverage

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

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

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

Insurance Company Low Medium High
Allstate $3,106 $3,263 $3,450
GEICO $2,072 $2,173 $2,302
Liberty Mutual $5,608 $5,832 $6,111
Nationwide $2,822 $2,945 $3,129
Progressive $2,845 $2,954 $3,101
State Farm $3,292 $3,460 $3,578
Travelers $3,292 $3,411 $3,617
USAA $3,250 $3,324 $3,442

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Sidney, 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 $2,263 $2,143 $2,103 $2,133 $6,255 $6,698 $2,281 $2,307
GEICO $1,606 $1,546 $1,561 $1,538 $3,362 $4,907 $1,450 $1,489
Liberty Mutual $4,244 $4,244 $3,949 $3,949 $8,248 $13,407 $4,244 $4,515
Nationwide $2,260 $2,260 $2,133 $2,133 $3,937 $5,868 $2,260 $2,873
Progressive $1,835 $1,732 $1,477 $1,497 $5,924 $6,602 $2,359 $2,308
State Farm $2,180 $2,180 $1,894 $1,894 $6,314 $8,164 $2,390 $2,534
Travelers $2,499 $2,528 $2,268 $2,436 $5,678 $6,686 $2,652 $2,771
USAA $1,750 $1,722 $1,576 $1,583 $6,993 $8,362 $2,243 $2,480

Sidney, NY Car Insurance Rates for Teens

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,255 $6,698
GEICO $3,362 $4,907
Liberty Mutual $8,248 $13,407
Nationwide $3,937 $5,868
Progressive $5,924 $6,602
State Farm $6,314 $8,164
Travelers $5,678 $6,686
USAA $6,993 $8,362

Sidney, NY Car Insurance Rates for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,103 $2,133
GEICO $1,561 $1,538
Liberty Mutual $3,949 $3,949
Nationwide $2,133 $2,133
Progressive $1,477 $1,497
State Farm $1,894 $1,894
Travelers $2,268 $2,436
USAA $1,576 $1,583

Sidney, NY Car Insurance Rates by Credit History

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

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

Insurance Company Poor Fair Good
Allstate $4,660 $2,758 $2,401
GEICO $2,734 $2,010 $1,803
Liberty Mutual $8,187 $5,354 $4,009
Nationwide $2,966 $2,966 $2,966
Progressive $4,725 $2,416 $1,759
State Farm $4,863 $3,049 $2,420
Travelers $4,723 $2,993 $2,604
USAA $5,185 $2,565 $2,265

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Sidney, NY Car Insurance Rates by Driver History

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

Annual Sidney, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,811 $2,811 $3,990 $3,480
GEICO $1,719 $1,873 $3,419 $1,719
Liberty Mutual $4,698 $4,698 $9,308 $4,698
Nationwide $2,264 $2,264 $5,017 $2,316
Progressive $2,887 $2,887 $3,188 $2,904
State Farm $3,285 $3,285 $3,602 $3,602
Travelers $2,957 $3,665 $3,719 $3,419
USAA $2,972 $3,020 $4,343 $3,020

Sidney, NY Car Insurance Rates With a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,990
GEICO $3,419
Liberty Mutual $9,308
Nationwide $5,017
Progressive $3,188
State Farm $3,602
Travelers $3,719
USAA $4,343

Sidney, NY Car Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,230 $3,316
GEICO $2,118 $2,247
Liberty Mutual $5,686 $6,015
Nationwide $2,966 $2,966
Progressive $2,967 $2,967
State Farm $3,324 $3,564
Travelers $3,440 $3,440
USAA $3,305 $3,372

Sidney, NY Cheapest Car Insurance Rates

How do the top Sidney, New York car insurance companies’ average rates stack up against the Sidney average monthly car insurance rates of $286? Take a look and see.

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

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Progressive
With 1 Speeding Violation GEICO

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Sidney, NY Top Car Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $3,273
GEICO $2,182
Liberty Mutual $5,850
Nationwide $2,966
Progressive $2,967
State Farm $3,444
Travelers $3,440
USAA $3,339

Other Factors Affecting Sidney, NY Car Insurance Rates

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

Sidney, NY Commute Time

How does your Sidney, NY commute time compare with the average driver? In Sidney, the average commute is 20.0 minutes.

Sidney, NY Car Insurance Quotes

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