Best Irving, NY Car Insurance in 2024
Car insurance in Irving, NY averages $272 a month. Irving, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Irving car insurance rates, compare quotes from the top car insurance companies in Irving, NY.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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
- Average car insurance rates in Irving, NY are $3,260/year
- The cheapest car insurance company in Irving is Geico
- The cheapest car insurance company in Irving for teen drivers is Geico
If you need to buy Irving, New York car insurance, the options can be confusing. Everything you need to know about car insurance in Irving, NY is right here.
You’ll find Irving car insurance rates, the cheapest Irving, NY car insurance companies, and information on New York car insurance laws. You can also compare Irving, New York car insurance rates to Schenectady car insurance rates, Mount Vernon car insurance rates, and Rochester car insurance rates.
Ready to find affordable Irving, NY car insurance today? Enter your ZIP code for fast, free Irving car insurance quotes.
Cheapest Irving, NY Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Irving, NY car insurance rates? Every Irving, 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 | $2,346 | $2,209 | $2,188 | $2,216 | $6,607 | $7,075 | $2,337 | $2,360 |
| Geico | $1,653 | $1,591 | $1,604 | $1,581 | $3,393 | $4,897 | $1,496 | $1,533 |
| Liberty Mutual | $3,093 | $3,093 | $2,879 | $2,879 | $5,939 | $9,636 | $3,093 | $3,293 |
| Nationwide | $2,078 | $2,078 | $1,963 | $1,963 | $3,618 | $5,377 | $2,078 | $2,635 |
| Progressive | $1,787 | $1,680 | $1,444 | $1,464 | $5,927 | $6,597 | $2,296 | $2,235 |
| State Farm | $2,455 | $2,455 | $2,141 | $2,141 | $7,183 | $9,243 | $2,698 | $2,837 |
| Travelers | $2,514 | $2,549 | $2,289 | $2,462 | $5,788 | $6,887 | $2,670 | $2,790 |
| USAA | $1,656 | $1,628 | $1,501 | $1,503 | $6,647 | $7,915 | $2,119 | $2,341 |
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Minimum Car Insurance in Irving, NY
Every driver must carry the minimum car insurance in Irving, 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 Irving, NY Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Irving, NY. Compare credit history car insurance rates in Irving from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,877 | $2,877 | $2,497 |
| Geico | $2,779 | $2,043 | $1,833 |
| Liberty Mutual | $5,914 | $3,882 | $2,918 |
| Nationwide | $2,724 | $2,724 | $2,724 |
| Progressive | $4,637 | $2,396 | $1,753 |
| State Farm | $5,500 | $3,447 | $2,735 |
| Travelers | $4,809 | $3,035 | $2,638 |
| USAA | $4,876 | $2,450 | $2,164 |
Cheapest Irving, NY Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Irving, NY to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,919 | $2,919 | $4,190 | $3,640 |
| Geico | $1,766 | $1,923 | $3,417 | $1,766 |
| Liberty Mutual | $3,431 | $3,431 | $6,659 | $3,431 |
| Nationwide | $2,088 | $2,088 | $4,585 | $2,135 |
| Progressive | $2,851 | $2,851 | $3,146 | $2,867 |
| State Farm | $3,710 | $3,710 | $4,078 | $4,078 |
| Travelers | $3,000 | $3,723 | $3,777 | $3,474 |
| USAA | $2,815 | $2,860 | $4,120 | $2,860 |
Cheapest Irving, NY Car Insurance for Teen Drivers
Teen car insurance in Irving, NY can be expensive. Take a look at rates from the top car insurance companies in Irving for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,607 | $7,075 |
| Geico | $3,393 | $4,897 |
| Liberty Mutual | $5,939 | $9,636 |
| Nationwide | $3,618 | $5,377 |
| Progressive | $5,927 | $6,597 |
| State Farm | $7,183 | $9,243 |
| Travelers | $5,788 | $6,887 |
| USAA | $6,647 | $7,915 |
Cheapest Irving, NY Car Insurance for Seniors
Take a look at Irving, NY senior car insurance rates 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 | $2,188 | $2,216 |
| Geico | $1,604 | $1,581 |
| Liberty Mutual | $2,879 | $2,879 |
| Nationwide | $1,963 | $1,963 |
| Progressive | $1,444 | $1,464 |
| State Farm | $2,141 | $2,141 |
| Travelers | $2,289 | $2,462 |
| USAA | $1,501 | $1,503 |
Cheapest Irving, NY Car Insurance Rates After a DUI
A DUI in Irving, NY increases car insurance rates. Compare Irving, New York DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,190 |
| Geico | $3,417 |
| Liberty Mutual | $6,659 |
| Nationwide | $4,585 |
| Progressive | $3,146 |
| State Farm | $4,078 |
| Travelers | $3,777 |
| USAA | $4,120 |
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Cheapest Irving, NY Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Irving, 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 | $3,371 | $3,463 |
| Geico | $2,153 | $2,283 |
| Liberty Mutual | $4,120 | $4,357 |
| Nationwide | $2,724 | $2,724 |
| Progressive | $2,929 | $2,929 |
| State Farm | $3,754 | $4,034 |
| Travelers | $3,494 | $3,494 |
| USAA | $3,132 | $3,195 |
The Best Cheap Car Insurance Companies in Irving, NY
Take a look at a side-by-side comparison of the top car insurance companies in Irving, NY to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,417 |
| Geico | $2,218 |
| Liberty Mutual | $4,238 |
| Nationwide | $2,724 |
| Progressive | $2,929 |
| State Farm | $3,894 |
| Travelers | $3,494 |
| USAA | $3,164 |
Category Winners: Cheapest Car Insurance in Irving, New York
Find the cheapest car insurance companies in Irving, NY for each category right here.
| 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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Cheapest Irving, NY Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Irving car insurance rates. Find the cheapest Irving, NY car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,260 | $3,408 | $3,584 |
| Geico | $2,104 | $2,212 | $2,339 |
| Liberty Mutual | $4,063 | $4,224 | $4,427 |
| Nationwide | $2,574 | $2,704 | $2,893 |
| Progressive | $2,776 | $2,911 | $3,098 |
| State Farm | $3,688 | $3,918 | $4,076 |
| Travelers | $3,315 | $3,457 | $3,709 |
| USAA | $3,066 | $3,147 | $3,278 |
What affects car insurance rates in Irving, New York?
What factors can have an impact on Irving, NY car insurance? There are several reasons why Irving car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Irving, New York.
Commute Time in Irving
The more time you spend in your car the higher the risk of an accident. The average commute length in Irving, NY is 39.0 minutes according to City-Data.
Compare Car Insurance Quotes in Irving, NY
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Frequently Asked Questions
What are the car insurance requirements in Irving, NY?
In Irving, NY, the minimum car insurance requirements are 25/50/10, which means you must have at least $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $10,000 in property damage liability coverage.
How can I find cheap car insurance rates in Irving, NY?
To find cheap car insurance rates in Irving, NY, it’s recommended to compare quotes from the top car insurance companies in the area. By comparing multiple quotes, you can find the most affordable option for your needs.
How does age, gender, and marital status affect car insurance rates in Irving, NY?
Every car insurance company in Irving, NY weighs age, gender, and marital status differently when determining rates. Generally, younger drivers, male drivers, and unmarried drivers tend to have higher insurance rates compared to older drivers, female drivers, and married drivers. It’s best to compare rates from different companies to find the most favorable options for your specific demographic.
Does my credit score impact car insurance costs in Irving, NY?
Yes, your credit score can affect your car insurance costs in Irving, NY. Car insurance companies often consider credit history as a factor when determining rates. Having a good credit score can lead to lower insurance premiums, while a poor credit score may result in higher rates. It’s advisable to compare car insurance rates for different credit score ranges to find the most affordable options.
How can I find affordable car insurance for teen drivers in Irving, NY?
Car insurance for teen drivers in Irving, NY can be expensive, but you can still find affordable options. It’s recommended to compare rates from multiple car insurance companies that offer specific discounts for teen drivers, such as good student discounts or driver training discounts. Shopping around and exploring different discounts can help you find more affordable car insurance for teen drivers.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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.