Buy Cheap South Plymouth, NY Auto Insurance in 2024
South Plymouth, NY auto insurance rates average $266 a month. Minimum auto insurance requirements in South Plymouth, New York are 25/50/10 to comply with New York laws. To buy cheap auto insurance in South Plymouth, NY, compare South Plymouth auto insurance quotes from top companies.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Nov 6, 2023
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: Nov 6, 2023
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
- The most expensive auto insurance company in South Plymouth is Liberty Mutual
- The most expensive auto insurance company in South Plymouth after a DUI is Liberty Mutual
- Average auto insurance rates in South Plymouth, NY for teens drivers are $5,490/year
Finding affordable South Plymouth, New York auto insurance can be challenging, but everything you need to know to buy cheap South Plymouth, NY auto insurance with confidence is right here. Auto insurance rates in South Plymouth are affected by local factors as well as personal ones like your driving record.
See how South Plymouth, NY car insurance rates compare to Utica auto insurance rates, New York auto insurance rates, and Yonkers auto insurance rates before you read more about the cost of auto insurance in South Plymouth.
Don’t buy South Plymouth, NY auto insurance until you’ve compared rates. Get free South Plymouth, New York auto insurance quotes when you enter your ZIP code above.
Table of Contents
South Plymouth, NY Minimum Auto Insurance Requirements
The required auto insurance in South Plymouth, NY is 25/50/10 according to the auto insurance laws in New York. The minimum auto insurance in South Plymouth, 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 South Plymouth, NY Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in South Plymouth, NY. Take a look at South Plymouth, New York auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,042 | $2,986 | $2,600 |
| Geico | $2,420 | $1,779 | $1,596 |
| Liberty Mutual | $6,379 | $4,183 | $3,142 |
| Nationwide | $2,598 | $2,598 | $2,598 |
| Progressive | $4,256 | $2,200 | $1,610 |
| State Farm | $5,253 | $3,293 | $2,613 |
| Travelers | $4,914 | $3,118 | $2,713 |
| USAA | $4,512 | $2,242 | $1,983 |
Buy Cheap South Plymouth, NY Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect South Plymouth, New York auto insurance rates? Find out how car insurance rates in South Plymouth, 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 | $2,414 | $2,290 | $2,247 | $2,285 | $6,845 | $7,350 | $2,438 | $2,476 |
| Geico | $1,426 | $1,374 | $1,387 | $1,367 | $2,967 | $4,318 | $1,288 | $1,324 |
| Liberty Mutual | $3,324 | $3,324 | $3,095 | $3,095 | $6,426 | $10,422 | $3,324 | $3,533 |
| Nationwide | $1,983 | $1,983 | $1,874 | $1,874 | $3,454 | $5,122 | $1,983 | $2,511 |
| Progressive | $1,660 | $1,573 | $1,347 | $1,363 | $5,358 | $5,983 | $2,134 | $2,093 |
| State Farm | $2,367 | $2,367 | $2,053 | $2,053 | $6,790 | $8,792 | $2,590 | $2,744 |
| Travelers | $2,549 | $2,587 | $2,334 | $2,512 | $5,979 | $7,134 | $2,715 | $2,842 |
| USAA | $1,529 | $1,503 | $1,379 | $1,382 | $6,103 | $7,296 | $1,953 | $2,154 |
Buy Cheap South Plymouth, NY Auto Insurance for Teen Drivers
Auto insurance for teenagers in South Plymouth can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in South Plymouth, NY are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,845 | $7,350 |
| Geico | $2,967 | $4,318 |
| Liberty Mutual | $6,426 | $10,422 |
| Nationwide | $3,454 | $5,122 |
| Progressive | $5,358 | $5,983 |
| State Farm | $6,790 | $8,792 |
| Travelers | $5,979 | $7,134 |
| USAA | $6,103 | $7,296 |
Buy Cheap South Plymouth, NY Auto Insurance for Seniors
You can save on senior auto insurance rates in South Plymouth, New York by comparing South Plymouth senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in South Plymouth, NY here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,247 | $2,285 |
| Geico | $1,387 | $1,367 |
| Liberty Mutual | $3,095 | $3,095 |
| Nationwide | $1,874 | $1,874 |
| Progressive | $1,347 | $1,363 |
| State Farm | $2,053 | $2,053 |
| Travelers | $2,334 | $2,512 |
| USAA | $1,379 | $1,382 |
Find Cheap Auto Insurance Rates in South Plymouth, NY by Coverage Level
The amount of coverage you choose is a big factor in the cost of South Plymouth, New York auto insurance. Compare South Plymouth, NY auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,376 | $3,533 | $3,720 |
| Geico | $1,838 | $1,926 | $2,031 |
| Liberty Mutual | $4,396 | $4,554 | $4,754 |
| Nationwide | $2,461 | $2,579 | $2,754 |
| Progressive | $2,573 | $2,677 | $2,816 |
| State Farm | $3,552 | $3,738 | $3,868 |
| Travelers | $3,406 | $3,548 | $3,791 |
| USAA | $2,839 | $2,901 | $2,997 |
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Find Cheap South Plymouth, NY Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in South Plymouth. Compare auto insurance rates in South Plymouth, 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 | $3,495 | $3,591 |
| Geico | $1,875 | $1,988 |
| Liberty Mutual | $4,440 | $4,696 |
| Nationwide | $2,598 | $2,598 |
| Progressive | $2,689 | $2,689 |
| State Farm | $3,589 | $3,850 |
| Travelers | $3,581 | $3,581 |
| USAA | $2,883 | $2,941 |
Find Cheap South Plymouth, NY Auto Insurance Rates by Driving Record
Auto insurance rates in South Plymouth, New York are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in South Plymouth, NY, take a look at the average cost for various violations versus rates for a clean driving record in South Plymouth.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,025 | $3,025 | $4,347 | $3,775 |
| Geico | $1,527 | $1,664 | $3,007 | $1,527 |
| Liberty Mutual | $3,674 | $3,674 | $7,251 | $3,674 |
| Nationwide | $1,996 | $1,996 | $4,360 | $2,041 |
| Progressive | $2,618 | $2,618 | $2,885 | $2,633 |
| State Farm | $3,551 | $3,551 | $3,888 | $3,888 |
| Travelers | $3,066 | $3,820 | $3,877 | $3,562 |
| USAA | $2,589 | $2,631 | $3,799 | $2,631 |
Find Cheap South Plymouth, NY Auto Insurance Rates After a DUI
The cost of DUI auto insurance in South Plymouth, New York is higher than for a clean driving record. You can buy auto insurance after a DUI in South Plymouth for less when you shop around and compare rates from multiple South Plymouth, NY auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,347 |
| Geico | $3,007 |
| Liberty Mutual | $7,251 |
| Nationwide | $4,360 |
| Progressive | $2,885 |
| State Farm | $3,888 |
| Travelers | $3,877 |
| USAA | $3,799 |
Winners by Category: Where to Buy Cheap Auto Insurance in South Plymouth, NY
Compare rates from the cheapest auto insurance companies in South Plymouth, NY for your needs. Take a look at how South Plymouth, New York auto insurance companies stack up for each category.
| 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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Find Cheap South Plymouth, New York Auto Insurance Companies
If you’re looking for the cheapest South Plymouth, NY auto insurance companies overall, you can compare them here. Find the best price for South Plymouth, New York car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,543 |
| Geico | $1,931 |
| Liberty Mutual | $4,568 |
| Nationwide | $2,598 |
| Progressive | $2,689 |
| State Farm | $3,719 |
| Travelers | $3,581 |
| USAA | $2,912 |
Compare Auto Insurance Quotes in South Plymouth, NY
You can buy cheap South Plymouth, NY auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free South Plymouth, New York auto insurance quotes from top companies.
Frequently Asked Questions
How can I find cheap auto insurance in South Plymouth, NY?
To find cheap auto insurance in South Plymouth, NY, you can consider the following tips:
- Shop around and compare quotes from multiple insurance companies to find the best rate.
- Maintain a clean driving record and avoid accidents or traffic violations.
- Opt for higher deductibles, but ensure you can afford to pay them if needed.
- Take advantage of discounts offered by insurance companies, such as safe driver discounts, good student discounts, or bundling discounts for insuring multiple vehicles or policies.
- Consider installing safety features in your vehicle, such as anti-theft devices or airbags, which may lead to lower premiums.
- Review your coverage needs and adjust them accordingly to avoid overpaying for unnecessary coverage.
Are there any specific auto insurance requirements in South Plymouth, NY?
Yes, South Plymouth, NY follows the auto insurance requirements set by the state of New York. The minimum required coverage includes:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $10,000 property damage liability per accident
- $50,000 personal injury protection (PIP)
Can I legally drive without auto insurance in South Plymouth, NY?
No, it is illegal to drive without auto insurance in South Plymouth, NY, as it is in most states. New York requires all drivers to carry at least the minimum required insurance coverage. Failing to maintain proper insurance can result in penalties, fines, license suspension, and potential legal consequences.
Are there any discounts available for auto insurance in South Plymouth, NY?
Yes, there are various discounts available for auto insurance in South Plymouth, NY. Insurance companies may offer discounts for factors such as:
- Safe driving record: Maintaining a clean driving history without accidents or violations.
- Bundling: Insuring multiple vehicles or combining auto insurance with other policies, such as home or renters insurance.
- Safety features: Installing anti-theft devices, airbags, or other safety features in your vehicle.
- Good student: If you or a covered driver on the policy is a student with good grades.
- Low mileage: If you drive fewer miles annually, you may be eligible for a discount.
- Affiliation: Some insurance companies offer discounts to members of certain organizations or alumni associations.
- Defensive driving courses: Completing an approved defensive driving course may qualify you for a discount.
- Loyalty: Many insurers offer discounts to long-term customers who renew their policies.
Can I get auto insurance coverage if I have a poor driving record in South Plymouth, NY?
Yes, even if you have a poor driving record in South Plymouth, NY, you can still get auto insurance coverage. However, it’s important to note that having a poor driving record may result in higher insurance premiums. Some insurance companies specialize in providing coverage to high-risk drivers, but the rates may be higher than those for drivers with clean records. Shopping around and comparing quotes from different insurers can help you find the most affordable option for your specific situation.
Should I consider additional coverage options beyond the minimum requirements in South Plymouth, NY?
While the minimum auto insurance requirements in South Plymouth, NY provide a basic level of coverage, it’s often advisable to consider additional coverage options. Minimum liability coverage may not be sufficient to fully protect you in the event of a severe accident or damage to your vehicle. Additional coverage options to consider include:
- Collision coverage: Covers damage to your vehicle caused by a collision, regardless of fault.
- Comprehensive coverage: Provides coverage for damage to your vehicle caused by non-collision incidents, such as theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with a driver who doesn’t have insurance or lacks sufficient coverage.
- Medical payments coverage: Helps cover medical expenses for you and your passengers after an accident, regardless of fault.
- Rental car reimbursement: Covers the cost of renting a vehicle while your car is being repaired due to a covered claim.
What factors can affect the cost of auto insurance in South Plymouth, NY?
Several factors can influence the cost of auto insurance in South Plymouth, NY. These factors include your driving record, age, gender, marital status, type of vehicle, coverage limits, deductible amount, and even your credit history. Additionally, the area where you live, such as South Plymouth, NY, can also impact insurance rates due to factors like local crime rates, traffic patterns, and the frequency of accidents.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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.