Ithaca, NY Auto Insurance (2024)
The average Ithaca, NY auto insurance rates are $257 per month. The minimum auto insurance in Ithaca is at least 25/50/10 in coverage to comply with New York auto insurance laws. To find the best cheap auto insurance in Ithaca, New York, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto 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 Auto Insurance Agent
UPDATED: Jun 22, 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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: Jun 22, 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 Ithaca for teen drivers is Liberty Mutual
- The minimum auto insurance required in Ithaca, New York is 25/50/10
- The average commute length in Ithaca is 23.3 minutes
Ithaca, New York auto insurance requirements are 25/50/10 according to New York auto insurance laws. Finding cheap auto insurance in Ithaca can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Ithaca, New York, including driving record, credit, commute time, and more.
Compare auto insurance in Ithaca to other New York cities, including Rochester auto insurance rates, New Rochelle auto insurance rates, and New York auto insurance rates to see how Ithaca, New York auto insurance rates stack up.
Before you buy Ithaca, New York auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Ithaca, New York auto insurance quotes.
Minimum Auto Insurance in Ithaca, New York
Ithaca, New York auto insurance laws require that you have at least the New York minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Ithaca, 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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Cheap Ithaca, New York Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Ithaca, New York are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $1,426 | $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 | $1,536 | $1,449 | $1,246 | $1,261 | $5,073 | $5,658 | $1,978 | $1,932 |
| State Farm | $2,127 | $2,127 | $1,852 | $1,852 | $6,229 | $8,064 | $2,334 | $2,479 |
| Travelers | $2,526 | $2,568 | $2,293 | $2,476 | $5,755 | $6,822 | $2,692 | $2,822 |
| USAA | $1,529 | $1,503 | $1,379 | $1,382 | $6,103 | $7,296 | $1,953 | $2,154 |
Cheap Ithaca, New York Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Ithaca, New York is a challenge. Take a look at the annual teen auto insurance rates in Ithaca, New York.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,294 | $6,734 |
| Geico | $2,967 | $4,318 |
| Liberty Mutual | $6,426 | $10,422 |
| Nationwide | $3,454 | $5,122 |
| Progressive | $5,073 | $5,658 |
| State Farm | $6,229 | $8,064 |
| Travelers | $5,755 | $6,822 |
| USAA | $6,103 | $7,296 |
Cheap Ithaca, New York Auto Insurance for Seniors
What are senior auto insurance rates in Ithaca, New York? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,101 | $2,130 |
| Geico | $1,387 | $1,367 |
| Liberty Mutual | $3,095 | $3,095 |
| Nationwide | $1,874 | $1,874 |
| Progressive | $1,246 | $1,261 |
| State Farm | $1,852 | $1,852 |
| Travelers | $2,293 | $2,476 |
| USAA | $1,379 | $1,382 |
Cheap Ithaca, New York Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Ithaca, New York compared to the annual auto insurance rates with a clean record in Ithaca, New York.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,798 | $2,798 | $4,000 | $3,480 |
| 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 | $2,450 | $2,450 | $2,702 | $2,464 |
| State Farm | $3,226 | $3,226 | $3,540 | $3,540 |
| Travelers | $3,010 | $3,719 | $3,772 | $3,477 |
| USAA | $2,589 | $2,631 | $3,799 | $2,631 |
Cheap Ithaca, New York Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Ithaca, New York is not easy. Compare the annual rates for DUI auto insurance in Ithaca, New York to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,000 |
| Geico | $3,007 |
| Liberty Mutual | $7,251 |
| Nationwide | $4,360 |
| Progressive | $2,702 |
| State Farm | $3,540 |
| Travelers | $3,772 |
| USAA | $3,799 |
Cheap Ithaca, New York Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Ithaca, New York annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,672 | $2,750 | $2,385 |
| Geico | $2,420 | $1,779 | $1,596 |
| Liberty Mutual | $6,379 | $4,183 | $3,142 |
| Nationwide | $2,598 | $2,598 | $2,598 |
| Progressive | $3,969 | $2,064 | $1,516 |
| State Farm | $4,777 | $2,995 | $2,377 |
| Travelers | $4,772 | $3,048 | $2,663 |
| USAA | $4,512 | $2,242 | $1,983 |
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Cheap Ithaca, New York Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Ithaca, New York can vary. Compare the annual cost of auto insurance by ZIP code in Ithaca, New York to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 14853 | $3,123 |
Cheap Ithaca, New York Auto Insurance Rates By Commute
Commute length and annual mileage affect Ithaca, New York auto insurance. Find the cheapest annual Ithaca, New York auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,226 | $3,312 |
| Geico | $1,875 | $1,988 |
| Liberty Mutual | $4,440 | $4,696 |
| Nationwide | $2,598 | $2,598 |
| Progressive | $2,517 | $2,517 |
| State Farm | $3,265 | $3,500 |
| Travelers | $3,494 | $3,494 |
| USAA | $2,883 | $2,941 |
Cheap Ithaca, New York Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Ithaca, New York? Check out the comparison of annual Ithaca, New York auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,086 | $3,258 | $3,463 |
| Geico | $1,838 | $1,926 | $2,031 |
| Liberty Mutual | $4,396 | $4,554 | $4,754 |
| Nationwide | $2,461 | $2,579 | $2,754 |
| Progressive | $2,399 | $2,505 | $2,645 |
| State Farm | $3,203 | $3,403 | $3,542 |
| Travelers | $3,344 | $3,469 | $3,670 |
| USAA | $2,839 | $2,901 | $2,997 |
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Best By Category: Cheapest Auto Insurance in Ithaca, New York
Compare the cheapest auto insurance companies in Ithaca, New York in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Progressive |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | Geico |
The Cheapest Ithaca, New York Auto Insurance Companies
What auto insurance companies in Ithaca, New York are the cheapest? Compare the top Ithaca, New York auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,269 |
| Geico | $1,931 |
| Liberty Mutual | $4,568 |
| Nationwide | $2,598 |
| Progressive | $2,517 |
| State Farm | $3,383 |
| Travelers | $3,494 |
| USAA | $2,912 |
What affects auto insurance rates in Ithaca, New York?
There are a lot of reasons why auto insurance rates in Ithaca, New York are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Ithaca, New York. Many local factors may affect your Ithaca auto insurance rates.
Ithaca Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Ithaca, New York commute length is 23.3 minutes according to City-Data.
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Compare Ithaca, New York Auto Insurance Quotes
Before you buy Ithaca, New York auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Ithaca, New York auto insurance quotes.
Frequently Asked Questions
What are the minimum auto insurance requirements in Ithaca, New York?
According to New York auto insurance laws, the minimum auto insurance requirements in Ithaca, New York are 25/50/10 in coverage. This 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 the best cheap auto insurance in Ithaca, New York?
To find the best cheap auto insurance in Ithaca, New York, it is recommended to compare quotes from multiple companies. By comparing rates, you can find insurance providers that offer competitive prices and suitable coverage for your needs. Enter your ZIP code to use the free quote tool and compare quotes from different companies.
How do age, gender, and marital status affect auto insurance rates in Ithaca, New York?
Age, gender, and marital status can impact auto insurance rates in Ithaca, New York. Generally, younger drivers, particularly teenagers, may have higher rates due to their lack of driving experience. Gender and marital status can also be factors considered by insurance companies when determining rates.
Are there any specific challenges in finding cheap auto insurance for teen drivers in Ithaca, New York?
Yes, finding cheap auto insurance for teen drivers in Ithaca, New York can be challenging. Teenagers often have higher rates due to their limited driving experience and higher risk of accidents. However, comparing quotes from different insurance companies and exploring options such as good student discounts or adding them to a family policy can help in finding more affordable coverage.
How does driving record affect auto insurance rates in Ithaca, New York?
Driving record plays a significant role in determining auto insurance rates in Ithaca, New York. Drivers with a clean record typically qualify for lower rates, while those with a history of accidents, violations, or DUIs may face higher premiums. It’s important to maintain a good driving record to secure affordable auto insurance coverage.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto 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 Auto 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.