Best Binghamton, NY Car Insurance in 2024
Car insurance in Binghamton, NY averages $244 a month. Binghamton, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Binghamton car insurance rates, compare quotes from the top car insurance companies in Binghamton, NY.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Binghamton is Geico
- The cheapest car insurance company in Binghamton for teen drivers is Geico
- Average car insurance rates in Binghamton, NY are $2,924/year
If you need to buy Binghamton, New York car insurance, the options can be confusing. Everything you need to know about car insurance in Binghamton, NY is right here.
You’ll find Binghamton car insurance rates, the cheapest Binghamton, NY car insurance companies, and information on New York car insurance laws. You can also compare Binghamton, New York car insurance rates to New York City car insurance rates, Buffalo car insurance rates, and Mount Vernon car insurance rates.
Ready to find affordable Binghamton, NY car insurance today? Enter your ZIP code for fast, free Binghamton car insurance quotes.
Cheapest Binghamton, NY Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Binghamton, NY car insurance rates? Every Binghamton, New York car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $2,250 | $2,125 | $2,101 | $2,130 | $6,294 | $6,734 | $2,248 | $2,270 |
| Geico | $1,454 | $1,403 | $1,418 | $1,398 | $3,104 | $4,584 | $1,309 | $1,352 |
| Liberty Mutual | $2,831 | $2,831 | $2,640 | $2,640 | $5,476 | $8,856 | $2,831 | $3,003 |
| Nationwide | $2,011 | $2,011 | $1,901 | $1,901 | $3,570 | $5,296 | $2,011 | $2,555 |
| Progressive | $1,558 | $1,454 | $1,244 | $1,266 | $5,324 | $5,928 | $2,017 | $1,970 |
| State Farm | $1,894 | $1,894 | $1,652 | $1,652 | $5,595 | $7,212 | $2,083 | $2,209 |
| Travelers | $2,408 | $2,442 | $2,193 | $2,360 | $5,514 | $6,536 | $2,563 | $2,681 |
| USAA | $1,380 | $1,355 | $1,251 | $1,252 | $5,495 | $6,548 | $1,758 | $1,937 |
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Minimum Car Insurance in Binghamton, NY
Every driver must carry the minimum car insurance required by the state in Binghamton, NY. Take a look at the New York car insurance requirements.
| 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 |
Cheapest Binghamton, NY Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Binghamton, NY. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Binghamton from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,672 | $2,750 | $2,385 |
| Geico | $2,510 | $1,844 | $1,655 |
| Liberty Mutual | $5,421 | $3,563 | $2,682 |
| Nationwide | $2,657 | $2,657 | $2,657 |
| Progressive | $4,101 | $2,125 | $1,559 |
| State Farm | $4,269 | $2,678 | $2,126 |
| Travelers | $4,565 | $2,908 | $2,538 |
| USAA | $4,033 | $2,033 | $1,800 |
Cheapest Binghamton, NY Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Binghamton, NY to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,798 | $2,798 | $4,000 | $3,480 |
| Geico | $1,563 | $1,704 | $3,181 | $1,563 |
| Liberty Mutual | $3,113 | $3,113 | $6,216 | $3,113 |
| Nationwide | $2,042 | $2,042 | $4,458 | $2,087 |
| Progressive | $2,523 | $2,523 | $2,795 | $2,539 |
| State Farm | $2,880 | $2,880 | $3,168 | $3,168 |
| Travelers | $2,868 | $3,554 | $3,606 | $3,319 |
| USAA | $2,329 | $2,367 | $3,424 | $2,367 |
Cheapest Binghamton, NY Car Insurance for Teen Drivers
Teen car insurance in Binghamton, NY can be expensive. Take a look at rates from the top car insurance companies in Binghamton for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,294 | $6,734 |
| Geico | $3,104 | $4,584 |
| Liberty Mutual | $5,476 | $8,856 |
| Nationwide | $3,570 | $5,296 |
| Progressive | $5,324 | $5,928 |
| State Farm | $5,595 | $7,212 |
| Travelers | $5,514 | $6,536 |
| USAA | $5,495 | $6,548 |
Cheapest Binghamton, NY Car Insurance for Seniors
Take a look at Binghamton, NY rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,101 | $2,130 |
| Geico | $1,418 | $1,398 |
| Liberty Mutual | $2,640 | $2,640 |
| Nationwide | $1,901 | $1,901 |
| Progressive | $1,244 | $1,266 |
| State Farm | $1,652 | $1,652 |
| Travelers | $2,193 | $2,360 |
| USAA | $1,251 | $1,252 |
Cheapest Binghamton, NY Car Insurance Rates After a DUI
A DUI in Binghamton, NY increases car insurance rates. Compare Binghamton, New York car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,000 |
| Geico | $3,181 |
| Liberty Mutual | $6,216 |
| Nationwide | $4,458 |
| Progressive | $2,795 |
| State Farm | $3,168 |
| Travelers | $3,606 |
| USAA | $3,424 |
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Cheapest Binghamton, NY Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Binghamton, NY by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,226 | $3,312 |
| Geico | $1,943 | $2,062 |
| Liberty Mutual | $3,781 | $3,996 |
| Nationwide | $2,657 | $2,657 |
| Progressive | $2,595 | $2,595 |
| State Farm | $2,919 | $3,129 |
| Travelers | $3,337 | $3,337 |
| USAA | $2,596 | $2,648 |
Cheapest Binghamton, NY Car Insurance Rates by ZIP Code
Binghamton car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Binghamton, NY.
| ZIP Code | Average Annual Rates |
|---|---|
| 13901 | $2,962 |
| 13903 | $2,986 |
| 13904 | $2,984 |
| 13905 | $2,985 |
The Best Cheap Car Insurance Companies in Binghamton, NY
Take a look at a side-by-side comparison of the top car insurance companies in Binghamton, NY to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,269 |
| Geico | $2,003 |
| Liberty Mutual | $3,889 |
| Nationwide | $2,657 |
| Progressive | $2,595 |
| State Farm | $3,024 |
| Travelers | $3,337 |
| USAA | $2,622 |
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Category Winners: Cheapest Car Insurance in Binghamton, New York
Find the cheapest car insurance companies in Binghamton, NY for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | Geico |
Cheapest Binghamton, NY Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Binghamton car insurance rates. Find the cheapest Binghamton, NY car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,086 | $3,258 | $3,463 |
| Geico | $1,905 | $2,000 | $2,104 |
| Liberty Mutual | $3,714 | $3,875 | $4,078 |
| Nationwide | $2,521 | $2,640 | $2,811 |
| Progressive | $2,473 | $2,583 | $2,729 |
| State Farm | $2,880 | $3,040 | $3,153 |
| Travelers | $3,188 | $3,311 | $3,512 |
| USAA | $2,551 | $2,611 | $2,704 |
What affects car insurance rates in Binghamton, New York?
What are the factors that affect car insurance rates in Binghamton, NY? There are several reasons why Binghamton car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Binghamton, New York.
Commute Time in Binghamton
The more time you spend in your car the higher the risk of an accident. The average commute length in Binghamton, NY is 12.4 minutes according to City-Data.
Traffic in Binghamton
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Binghamton, NY traffic data from INRIX ranks Binghamton as the 831st-most congested in the world.
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Compare Car Insurance Quotes in Binghamton, NY
Ready to find affordable Binghamton, New York car insurance today? Enter your ZIP code for fast, free Binghamton, NY car insurance quotes.
Frequently Asked Questions
What is the average monthly car insurance rate in Binghamton, NY?
The average monthly rate is $244.
What are the car insurance requirements in Binghamton, NY?
The requirements are 25/50/10 coverage.
Do I need full coverage insurance if my car is financed in Binghamton, NY?
If your car is financed, full coverage may be required by the lender.
How can I find cheap car insurance rates in Binghamton, NY?
Compare quotes from top insurance companies in the area.
How do age, gender, and marital status affect car insurance rates in Binghamton, NY?
Rates vary by company, so compare quotes for personalized rates.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.