Buy Cheap Putnam Valley, NY Auto Insurance in 2024
Putnam Valley, NY auto insurance rates average $394 a month. Minimum auto insurance requirements in Putnam Valley, New York are 25/50/10 to comply with New York laws. To buy cheap auto insurance in Putnam Valley, NY, compare Putnam Valley auto insurance quotes from top companies.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Aug 26, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page 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: Aug 26, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Putnam Valley, NY for teens drivers are $8,246/year
- Average auto insurance rates in Putnam Valley, NY are $394/month
- The most expensive auto insurance company in Putnam Valley after a DUI is Liberty Mutual
Finding affordable Putnam Valley, New York auto insurance can be challenging, but everything you need to know to buy cheap Putnam Valley, NY auto insurance with confidence is right here. Auto insurance rates in Putnam Valley are affected by local factors as well as personal ones like your driving record.
See how Putnam Valley, NY car insurance rates compare to Syracuse auto insurance rates, Rochester auto insurance rates, and Mount Vernon auto insurance rates before you read more about the cost of auto insurance in Putnam Valley.
Don’t buy Putnam Valley, NY auto insurance until you’ve compared rates. Get free Putnam Valley, New York auto insurance quotes when you enter your ZIP code above.
Putnam Valley, NY Minimum Auto Insurance Requirements
The required auto insurance in Putnam Valley, NY is 25/50/10 according to the auto insurance laws in New York. The minimum auto insurance in Putnam Valley, New York is outlined here.
| 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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Find Cheap Putnam Valley, NY Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Putnam Valley, NY. Take a look at Putnam Valley, New York auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,060 | $4,117 | $3,545 |
| Geico | $3,401 | $2,498 | $2,242 |
| Liberty Mutual | $9,898 | $6,459 | $4,827 |
| Nationwide | $4,696 | $4,696 | $4,696 |
| Progressive | $6,197 | $3,170 | $2,309 |
| State Farm | $7,234 | $4,535 | $3,599 |
| Travelers | $7,094 | $4,392 | $3,783 |
| USAA | $6,671 | $3,321 | $2,933 |
Buy Cheap Putnam Valley, NY Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Putnam Valley, New York auto insurance rates? Find out how car insurance rates in Putnam Valley, NY are impacted by demographics.
| 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 | $3,277 | $3,066 | $3,081 | $3,127 | $9,773 | $10,508 | $3,205 | $3,220 |
| Geico | $1,963 | $1,890 | $1,911 | $1,882 | $4,226 | $6,255 | $1,765 | $1,816 |
| Liberty Mutual | $5,267 | $5,267 | $4,903 | $4,903 | $10,333 | $14,958 | $5,267 | $5,595 |
| Nationwide | $3,488 | $3,488 | $3,283 | $3,283 | $6,411 | $9,629 | $3,488 | $4,501 |
| Progressive | $2,354 | $2,199 | $1,882 | $1,912 | $7,956 | $8,847 | $3,036 | $2,949 |
| State Farm | $3,186 | $3,186 | $2,782 | $2,782 | $9,531 | $12,279 | $3,510 | $3,724 |
| Travelers | $3,635 | $3,613 | $3,322 | $3,526 | $8,612 | $10,223 | $3,833 | $3,953 |
| USAA | $2,230 | $2,188 | $2,016 | $2,015 | $9,122 | $10,884 | $2,857 | $3,153 |
Buy Cheap Putnam Valley, NY Auto Insurance for Teen Drivers
Auto insurance for teenagers in Putnam Valley can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Putnam Valley, NY are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,773 | $10,508 |
| Geico | $4,226 | $6,255 |
| Liberty Mutual | $10,333 | $14,958 |
| Nationwide | $6,411 | $9,629 |
| Progressive | $7,956 | $8,847 |
| State Farm | $9,531 | $12,279 |
| Travelers | $8,612 | $10,223 |
| USAA | $9,122 | $10,884 |
Buy Cheap Putnam Valley, NY Auto Insurance for Seniors
You can save on senior auto insurance rates in Putnam Valley, New York by comparing Putnam Valley senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Putnam Valley, NY here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,081 | $3,127 |
| Geico | $1,911 | $1,882 |
| Liberty Mutual | $4,903 | $4,903 |
| Nationwide | $3,283 | $3,283 |
| Progressive | $1,882 | $1,912 |
| State Farm | $2,782 | $2,782 |
| Travelers | $3,322 | $3,526 |
| USAA | $2,016 | $2,015 |
Find Cheap Auto Insurance Rates in Putnam Valley, NY by Coverage Level
The amount of coverage you choose is a big factor in the cost of Putnam Valley, New York auto insurance. Compare Putnam Valley, NY auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,598 | $4,886 | $5,237 |
| Geico | $2,567 | $2,703 | $2,870 |
| Liberty Mutual | $6,747 | $7,040 | $7,398 |
| Nationwide | $4,381 | $4,652 | $5,056 |
| Progressive | $3,696 | $3,871 | $4,109 |
| State Farm | $4,856 | $5,152 | $5,359 |
| Travelers | $4,807 | $5,031 | $5,431 |
| USAA | $4,181 | $4,287 | $4,457 |
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Find Cheap Putnam Valley, NY Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Putnam Valley. Compare auto insurance rates in Putnam Valley, NY by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,839 | $4,976 |
| Geico | $2,633 | $2,794 |
| Liberty Mutual | $6,856 | $7,267 |
| Nationwide | $4,696 | $4,696 |
| Progressive | $3,892 | $3,892 |
| State Farm | $4,944 | $5,301 |
| Travelers | $5,090 | $5,090 |
| USAA | $4,265 | $4,352 |
Find Cheap Putnam Valley, NY Auto Insurance Rates by Driving Record
Auto insurance rates in Putnam Valley, New York are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Putnam Valley, NY, take a look at the average cost for various violations versus rates for a clean driving record in Putnam Valley.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,139 | $4,139 | $6,100 | $5,251 |
| Geico | $2,103 | $2,294 | $4,353 | $2,103 |
| Liberty Mutual | $5,576 | $5,576 | $11,520 | $5,576 |
| Nationwide | $3,553 | $3,553 | $8,044 | $3,636 |
| Progressive | $3,785 | $3,785 | $4,190 | $3,808 |
| State Farm | $4,875 | $4,875 | $5,370 | $5,370 |
| Travelers | $4,313 | $5,453 | $5,533 | $5,059 |
| USAA | $3,819 | $3,882 | $5,650 | $3,882 |
Find Cheap Putnam Valley, NY Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Putnam Valley, New York is higher than for a clean driving record. You can buy auto insurance after a DUI in Putnam Valley for less when you shop around and compare rates from multiple Putnam Valley, NY auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,100 |
| Geico | $4,353 |
| Liberty Mutual | $11,520 |
| Nationwide | $8,044 |
| Progressive | $4,190 |
| State Farm | $5,370 |
| Travelers | $5,533 |
| USAA | $5,650 |
Winners by Category: Where to Buy Cheap Auto Insurance in Putnam Valley, NY
Compare rates from the cheapest auto insurance companies in Putnam Valley, NY for your needs. Take a look at how Putnam Valley, New York auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Geico |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | Geico |
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Find Cheap Putnam Valley, New York Auto Insurance Companies
If you’re looking for the cheapest Putnam Valley, NY auto insurance companies overall, you can compare them here. Find the best price for Putnam Valley, New York car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,907 |
| Geico | $2,713 |
| Liberty Mutual | $7,062 |
| Nationwide | $4,696 |
| Progressive | $3,892 |
| State Farm | $5,123 |
| Travelers | $5,090 |
| USAA | $4,308 |
Compare Auto Insurance Quotes in Putnam Valley, NY
You can buy cheap Putnam Valley, NY auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Putnam Valley, New York auto insurance quotes from top companies.
Frequently Asked Questions
How can I find cheap auto insurance in Putnam Valley, NY in 2023?
To find cheap auto insurance in Putnam Valley, NY in 2023, you can follow these steps:
- Shop around and compare quotes from different insurance companies.
- Consider bundling your auto insurance with other policies, such as home or renters insurance, to potentially get a discount.
- Maintain a clean driving record and avoid traffic violations to qualify for lower premiums.
- Opt for a higher deductible, which can lower your premium but will require you to pay more out of pocket in the event of a claim.
- Look for any available discounts, such as safe driver discounts, good student discounts, or discounts for certain safety features in your vehicle.
Are there any disadvantages to buying cheap auto insurance?
While cheap auto insurance can be attractive due to lower premiums, it’s important to consider the following disadvantages:
- Limited coverage options: Cheaper policies may offer less coverage, which could leave you exposed to financial risks in case of an accident or damage.
- Higher deductibles: Cheap policies often come with higher deductibles, meaning you’ll have to pay more out of pocket before your insurance kicks in.
- Limited customer service: Some cheaper insurance providers may offer limited customer service or slower claims processing, which can be frustrating when you need assistance.
- Inadequate coverage for specific needs: Cheap policies may not provide adequate coverage for specific circumstances, such as rental car coverage or coverage for custom modifications.
What are the benefits of buying cheap auto insurance?
There are several benefits to buying cheap auto insurance, including:
- Lower premiums: Cheap auto insurance policies typically come with lower premiums, saving you money on your monthly or annual insurance costs.
- Compliance with legal requirements: Cheap insurance still fulfills the state’s minimum insurance requirements, ensuring you’re driving legally on the roads.
- Basic coverage: Cheap policies generally provide basic coverage, which may be sufficient if you have an older or less valuable vehicle.
- Access to discounts: Cheap insurance providers often offer discounts for various factors, such as safe driving, good grades, or multiple policies.
How can I ensure I’m getting a good deal on cheap auto insurance?
To ensure you’re getting a good deal on cheap auto insurance, consider the following:
- Compare multiple quotes: Obtain quotes from different insurance companies and compare the coverage, deductibles, and premiums they offer.
- Read customer reviews: Check online reviews and ratings for the insurance companies you’re considering to gauge their reputation and customer satisfaction.
- Understand the coverage: Carefully review the policy documents to ensure the coverage meets your needs and provides adequate protection.
- Assess the insurer’s financial strength: Verify the financial stability of the insurance company by checking their ratings with independent rating agencies.
Can I switch to a cheaper auto insurance policy in the middle of my current policy term?
Yes, you can switch to a cheaper auto insurance policy even if you’re in the middle of your current policy term. However, keep in mind that there may be cancellation fees or other charges associated with canceling your current policy. It’s advisable to compare the potential savings with the costs of switching before making a decision.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
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.