Best Goshen, New York Auto Insurance in 2024
The average Goshen, NY auto insurance rates are $391 per month. The minimum auto insurance in Goshen is at least 25/50/10 in coverage to comply with New York auto insurance laws. To find the best cheap auto insurance in Goshen, New York, compare quotes from multiple companies.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Sep 9, 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 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: Sep 9, 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 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 Goshen for teen drivers is Liberty Mutual
- Average auto insurance rates in Goshen, NY for senior drivers are $2,887 per year
- The average commute length in Goshen is 35.2 minutes
Goshen, New York auto insurance requirements are 25/50/10 according to New York auto insurance laws. Finding cheap auto insurance in Goshen 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 Goshen, New York, including driving record, credit, commute time, and more.
Compare auto insurance in Goshen to other New York cities, including Rochester auto insurance rates, Mount Vernon auto insurance rates, and Schenectady auto insurance rates to see how Goshen, New York auto insurance rates stack up.
Before you buy Goshen, New York auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Goshen, New York auto insurance quotes.
Minimum Auto Insurance in Goshen, New York
Goshen, 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 Goshen, 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 Goshen, New York Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Goshen, 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 | $3,793 | $3,532 | $3,572 | $3,620 | $11,443 | $12,288 | $3,682 | $3,688 |
| Geico | $1,973 | $1,898 | $1,917 | $1,889 | $4,235 | $6,248 | $1,775 | $1,816 |
| Liberty Mutual | $4,925 | $4,925 | $4,584 | $4,584 | $9,622 | $15,635 | $4,925 | $5,233 |
| Nationwide | $3,294 | $3,294 | $3,100 | $3,100 | $6,028 | $9,066 | $3,294 | $4,252 |
| Progressive | $2,495 | $2,308 | $1,973 | $2,012 | $8,331 | $9,195 | $3,187 | $3,063 |
| State Farm | $3,042 | $3,042 | $2,656 | $2,656 | $8,916 | $11,438 | $3,347 | $3,508 |
| Travelers | $3,595 | $3,549 | $3,256 | $3,444 | $8,279 | $9,748 | $3,775 | $3,868 |
| USAA | $2,108 | $2,070 | $1,914 | $1,914 | $8,632 | $10,262 | $2,704 | $2,990 |
Cheap Goshen, New York Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Goshen, New York is a challenge. Take a look at the annual teen auto insurance rates in Goshen, New York.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,443 | $12,288 |
| Geico | $4,235 | $6,248 |
| Liberty Mutual | $9,622 | $15,635 |
| Nationwide | $6,028 | $9,066 |
| Progressive | $8,331 | $9,195 |
| State Farm | $8,916 | $11,438 |
| Travelers | $8,279 | $9,748 |
| USAA | $8,632 | $10,262 |
Cheap Goshen, New York Auto Insurance for Seniors
What are senior auto insurance rates in Goshen, 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 | $3,572 | $3,620 |
| Geico | $1,917 | $1,889 |
| Liberty Mutual | $4,584 | $4,584 |
| Nationwide | $3,100 | $3,100 |
| Progressive | $1,973 | $2,012 |
| State Farm | $2,656 | $2,656 |
| Travelers | $3,256 | $3,444 |
| USAA | $1,914 | $1,914 |
Cheap Goshen, 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 Goshen, New York compared to the annual auto insurance rates with a clean record in Goshen, New York.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,796 | $4,796 | $7,109 | $6,108 |
| Geico | $2,106 | $2,297 | $4,367 | $2,106 |
| Liberty Mutual | $5,426 | $5,426 | $10,939 | $5,426 |
| Nationwide | $3,344 | $3,344 | $7,603 | $3,424 |
| Progressive | $3,956 | $3,956 | $4,389 | $3,981 |
| State Farm | $4,595 | $4,595 | $5,056 | $5,056 |
| Travelers | $4,197 | $5,289 | $5,361 | $4,911 |
| USAA | $3,623 | $3,683 | $5,308 | $3,683 |
Cheap Goshen, New York Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Goshen, New York is not easy. Compare the annual rates for DUI auto insurance in Goshen, New York to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,109 |
| Geico | $4,367 |
| Liberty Mutual | $10,939 |
| Nationwide | $7,603 |
| Progressive | $4,389 |
| State Farm | $5,056 |
| Travelers | $5,361 |
| USAA | $5,308 |
Cheap Goshen, New York Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Goshen, New York annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,241 | $4,772 | $4,094 |
| Geico | $3,407 | $2,503 | $2,246 |
| Liberty Mutual | $9,532 | $6,225 | $4,655 |
| Nationwide | $4,429 | $4,429 | $4,429 |
| Progressive | $6,551 | $3,285 | $2,376 |
| State Farm | $6,814 | $4,272 | $3,391 |
| Travelers | $6,900 | $4,254 | $3,664 |
| USAA | $6,270 | $3,162 | $2,791 |
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Cheap Goshen, New York Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Goshen, New York can vary. Compare the annual cost of auto insurance by ZIP code in Goshen, New York to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 10924 | $4,760 |
Cheap Goshen, New York Auto Insurance Rates By Commute
Commute length and annual mileage affect Goshen, New York auto insurance. Find the cheapest annual Goshen, New York auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,622 | $5,783 |
| Geico | $2,639 | $2,799 |
| Liberty Mutual | $6,613 | $6,996 |
| Nationwide | $4,429 | $4,429 |
| Progressive | $4,071 | $4,071 |
| State Farm | $4,651 | $5,001 |
| Travelers | $4,939 | $4,939 |
| USAA | $4,033 | $4,115 |
Cheap Goshen, New York Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Goshen, New York? Check out the comparison of annual Goshen, New York auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,328 | $5,678 | $6,101 |
| Geico | $2,564 | $2,706 | $2,885 |
| Liberty Mutual | $6,496 | $6,783 | $7,134 |
| Nationwide | $4,156 | $4,391 | $4,739 |
| Progressive | $3,845 | $4,042 | $4,325 |
| State Farm | $4,577 | $4,853 | $5,047 |
| Travelers | $4,673 | $4,886 | $5,258 |
| USAA | $3,942 | $4,051 | $4,230 |
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Best By Category: Cheapest Auto Insurance in Goshen, New York
Compare the cheapest auto insurance companies in Goshen, New York in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Geico |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Geico |
| With 1 Speeding Violation | Geico |
The Cheapest Goshen, New York Auto Insurance Companies
What auto insurance companies in Goshen, New York are the cheapest? Compare the top Goshen, New York auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,702 |
| Geico | $2,719 |
| Liberty Mutual | $6,804 |
| Nationwide | $4,429 |
| Progressive | $4,071 |
| State Farm | $4,826 |
| Travelers | $4,939 |
| USAA | $4,074 |
What affects auto insurance rates in Goshen, New York?
There are a lot of reasons why auto insurance rates in Goshen, New York are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Goshen, New York. Many local factors may affect your Goshen auto insurance rates.
Goshen Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Goshen, New York commute length is 35.2 minutes according to City-Data.
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Compare Goshen, New York Auto Insurance Quotes
Before you buy Goshen, New York auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Goshen, New York auto insurance quotes.
Frequently Asked Questions
How can I find the right auto insurance policy in Goshen, NY?
To find the right auto insurance policy in Goshen, NY, consider the following steps:
- Determine your coverage needs and budget.
- Shop around and compare quotes from multiple insurance providers.
- Review the coverage options, policy terms, and exclusions of each quote.
- Check the financial stability and customer satisfaction ratings of the insurance companies.
- Consider seeking advice from an insurance agent or broker who can help you navigate the options and find the best policy for your needs.
What should I do after an auto accident in Goshen, NY?
After an auto accident in Goshen, NY, it’s important to take the following steps:
- Check for injuries and call for medical assistance if needed.
- Move to a safe location if possible and exchange information with the other driver(s) involved.
- Contact the police to report the accident.
- Gather evidence, including photos of the accident scene and damaged vehicles.
- Notify your insurance company and provide them with accurate and detailed information about the accident.
- Follow any instructions given by your insurance company regarding repairs, medical treatment, or filing a claim.
How can I lower my auto insurance premiums?
There are several ways to potentially lower your auto insurance premiums in Goshen, NY:
- Maintain a clean driving record with no accidents or moving violations.
- Opt for a higher deductible, but ensure you can afford to pay it in case of a claim.
- Bundle your auto insurance policy with other insurance policies, such as homeowners or renters insurance.
- Take advantage of available discounts, such as safe driver discounts, multi-vehicle discounts, or good student discounts.
- Install safety features in your vehicle, such as anti-theft devices or anti-lock brakes.
How are auto insurance premiums determined in Goshen, NY?
Several factors influence auto insurance premiums in Goshen, NY, including:
- Driver’s age, gender, and marital status
- Driving history and claims record
- Type of vehicle and its age
- Coverage limits and deductibles chosen
- Credit history
- Annual mileage
- Location (Goshen, NY) and where the vehicle is parked
- Additional drivers listed on the policy
What is personal injury protection (PIP) coverage?
Personal injury protection (PIP) coverage, also known as no-fault insurance, is a type of auto insurance coverage that pays for medical expenses, lost wages, and other related costs for the policyholder and their passengers, regardless of who is at fault in an accident.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
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.