Cheapest Car Insurance In Binghamton, NY 2024
CSAA is the most affordable choice in Binghamton, offering minimum coverage for an average of $103 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for budget-friendly car insurance in Binghamton, NY, rates can differ significantly.
For drivers needing the lowest-cost liability-only insurance, Binghamton comes out on top. At the same time, those seeking full coverage will find CSAA provides the best deals. Additionally, New York Central Mutual Fire stands out as the least expensive option for younger drivers.
Cheapest Car Insurance Companies In Binghamton, NY 2024
Cheapest For Seniors: New York Central Mutual Fire
New York Central Mutual Fire provides the lowest car insurance rates for seniors in Binghamton, with an average monthly cost of $48.
| Provider | Average Monthly Cost | Average Annual Cost |
| New York Central Mutual Fire | $48 | $576 |
| Preferred Mutual | $92 | $1,104 |
| USAA | $92 | $1,104 |
| Travelers | $103 | $1,236 |
| Erie | $92 | $1,104 |
Cheapest Full Coverage Rates In Binghamton: CSAA
CSAA offers the most affordable full coverage car insurance in Binghamton, with average rates of $92 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| CSAA | $92 | $1,286 |
| Liberty Mutual | $230 | $2,760 |
| Safeco | $164 | $1,968 |
| Progressive | $280 | $3,360 |
| Midvale Home & Auto | $204 | $2,448 |
Most Affordable Rates In Binghamton For Teenagers: New York Central Mutual Fire
Teen drivers in Binghamton can get the most affordable rates from New York Central Mutual Fire, with average monthly premiums of $100.
| Provider | Average Monthly Cost | Average Annual Cost |
| New York Central Mutual Fire | $100 | $1,200 |
| Metropolitan | $153 | $1,836 |
| Tower Insurance Company of New York | $116 | $1,392 |
| Travelers | $157 | $1,884 |
| Erie | $134 | $1,608 |
Cheapest Minimum Coverage Car Insurance In Binghamton: CSAA
In Binghamton, CSAA offers the lowest rates for minimum coverage, averaging $103 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| CSAA | $103 | $1,236 |
| Liberty Mutual | $177 | $2,124 |
| Safeco | $121 | $1,452 |
| Progressive | $105 | $1,260 |
| Midvale Home & Auto | $162 | $1,944 |
Cheapest For Young Adults: New York Central Mutual Fire
New York Central Mutual Fire provides the lowest rates for young adults in Binghamton, with quotes averaging $80 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| New York Central Mutual Fire | $80 | $960 |
| Erie | $123 | $1,476 |
| Direct Auto | $90 | $1,080 |
| Travelers | $130 | $1,560 |
| USAA | $111 | $1,332 |
Cheapest Car Insurance In Binghamton After A Speeding Ticket: CSAA
CSAA is significantly more affordable than other insurers, with average monthly rates of $138.
| Provider | Average Monthly Cost | Average Annual Cost |
| CSAA | $138 | $1,656 |
| Liberty Mutual | $232 | $2,784 |
| Safeco | $158 | $1,896 |
| Progressive | $266 | $3,192 |
| Midvale Home & Auto | $201 | $2,412 |
Cheapest For Drivers With After At-Fault Accident: CSAA
For drivers with an at-fault accident, CSAA provides the lowest car insurance quotes, averaging $148 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| CSAA | $148 | $1,776 |
| Liberty Mutual | $250 | $3,000 |
| Safeco | $166 | $1,992 |
| Progressive | $280 | $3,360 |
| Midvale Home & Auto | $230 | $2,760 |
Cheapest Car Insurance In Binghamton For Drivers After A DUI: CSAA
CSAA offers the lowest rates for drivers with a DUI in Binghamton, with average monthly premiums of $167.
| Provider | Average Monthly Cost | Average Annual Cost |
| CSAA | $167 | $2,004 |
| Liberty Mutual | $280 | $3,360 |
| Safeco | $185 | $2,220 |
| Liberty Mutual | $312 | $3,744 |
| Midvale Home & Auto | $254 | $3,048 |
Best Car Insurance Companies In Binghamton
Here are the top 10 car insurance providers in Binghamton, NY, listed by their average monthly premiums.
| Company | Monthly Premium |
| Preferred Mutual | $140 |
| New York Central Mutual Fire | $66 |
| Liberty Mutual | $153 |
| Direct Auto | $90 |
| Nationwide | $147 |
| USAA | $109 |
| State Farm | $140 |
| Erie | $113 |
| Safeco | $127 |
| Travelers | $117 |
Average Rates In Binghamton – By Vehicle
| Vehicle | Average Monthly Rate |
| 2012 Chevrolet Silverado | $65 |
| 2016 Hyundai Sonata | $97 |
| 2012 Honda Accord | $54 |
| 2020 Honda Civic | $71 |
| 2011 Honda Cr-V | $181 |
How Much Is Car Insurance In Other Cities in New York?
| City | Average Monthly Rate |
| Elmira | $97 |
| Albany | $150 |
| Flushing | $188 |
| Binghamton | $122 |
| Jamaica | $252 |
| Bronx | $293 |
| New York | $245 |
| Brooklyn | $308 |
| Rochester | $132 |
| Buffalo | $167 |
Average Cost Of Auto Insurance In Binghamton – By Zip Code
| City | Average Monthly Rate |
| 13904 | $95 |
| 13905 | $147 |
| 13902 | $108 |
| 13901 | $117 |
| 13790 | $114 |
Average Rates In Binghamton – By Age
| Age | Average Yearly Rate |
| Teenagers | $1,452 |
| 20s | $1,296 |
| 30s | $3,144 |
| 40s | $3,330 |
| 50s | $1,476 |
| 60s | $984 |
| 70s | $2,126 |
Our Methodology
Based on a detailed analysis that includes customer service ratings, product offerings, pricing, and reviews from various online sources, I’ve created a thorough overview of car insurance providers in Binghamton, NY.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Binghamton?
In Binghamton, CSAA provides the lowest rates for both minimum coverage required by New York State and full coverage, which includes comprehensive and collision protection.
What is the average cost of car insurance in Binghamton?
In Binghamton, the average car insurance cost is approximately $124 per month. However, rates can vary depending on factors such as your zip code, the year and model of your vehicle, and your driving record.
