Best Center Moriches, NY Car Insurance in 2025
Car insurance in Center Moriches, NY averages $428 a month. Center Moriches, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Center Moriches car insurance rates, compare quotes from the top car insurance companies in Center Moriches, NY.
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Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Melanie Musson
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
Joel Ohman
Updated December 2025
- The cheapest car insurance company in Center Moriches for teen drivers is Geico
- The cheapest ZIP code in Center Moriches is 11934
- The cheapest car insurance company in Center Moriches is Geico
If you need to buy Center Moriches, New York car insurance, the options can be confusing. Everything you need to know about car insurance in Center Moriches, NY is right here.
You’ll find Center Moriches car insurance rates, the cheapest Center Moriches, NY car insurance companies, and information on New York car insurance laws. You can also compare Center Moriches, New York car insurance rates to Mount Vernon car insurance rates, New Rochelle car insurance rates, and Syracuse car insurance rates.
Ready to find affordable Center Moriches, NY car insurance today? Enter your ZIP code for fast, free Center Moriches car insurance quotes.
Cheapest Center Moriches, NY Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Center Moriches, NY car insurance rates? Every Center Moriches, New York car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $3,508 | $3,218 | $3,305 | $3,314 | $10,007 | $10,583 | $3,334 | $3,292 |
| Geico | $2,327 | $2,237 | $2,259 | $2,226 | $5,020 | $7,421 | $2,090 | $2,136 |
| Liberty Mutual | $6,047 | $6,047 | $5,633 | $5,633 | $11,845 | $17,111 | $6,047 | $6,418 |
| Nationwide | $3,894 | $3,894 | $3,662 | $3,662 | $7,249 | $10,911 | $3,894 | $5,043 |
| Progressive | $3,018 | $2,730 | $2,343 | $2,404 | $10,232 | $11,164 | $3,813 | $3,586 |
| State Farm | $2,806 | $2,806 | $2,456 | $2,456 | $8,106 | $9,968 | $3,091 | $3,253 |
| Travelers | $4,163 | $4,077 | $3,796 | $3,988 | $9,818 | $11,631 | $4,356 | $4,434 |
| USAA | $2,290 | $2,254 | $2,085 | $2,091 | $9,224 | $10,935 | $2,946 | $3,267 |
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Minimum Car Insurance in Center Moriches, NY
Every driver must carry the minimum car insurance in Center Moriches, NY. Take a look at the New York car insurance requirements.
| 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 |
Cheapest Center Moriches, NY Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Center Moriches, NY. Compare credit history car insurance rates in Center Moriches from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,404 | $4,217 | $3,590 |
| Geico | $4,029 | $2,959 | $2,656 |
| Liberty Mutual | $11,345 | $7,408 | $5,540 |
| Nationwide | $5,276 | $5,276 | $5,276 |
| Progressive | $7,976 | $3,925 | $2,832 |
| State Farm | $6,162 | $3,869 | $3,073 |
| Travelers | $8,145 | $4,959 | $4,244 |
| USAA | $6,717 | $3,426 | $3,016 |
Cheapest Center Moriches, NY Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Center Moriches, NY to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,306 | $4,306 | $6,257 | $5,412 |
| Geico | $2,479 | $2,705 | $5,195 | $2,479 |
| Liberty Mutual | $6,367 | $6,367 | $13,289 | $6,367 |
| Nationwide | $3,981 | $3,981 | $9,066 | $4,076 |
| Progressive | $4,766 | $4,766 | $5,312 | $4,801 |
| State Farm | $4,156 | $4,156 | $4,579 | $4,579 |
| Travelers | $4,879 | $6,209 | $6,293 | $5,749 |
| USAA | $3,912 | $3,976 | $5,682 | $3,976 |
Cheapest Center Moriches, NY Car Insurance for Teen Drivers
Teen car insurance in Center Moriches, NY can be expensive. Take a look at rates from the top car insurance companies in Center Moriches for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,007 | $10,583 |
| Geico | $5,020 | $7,421 |
| Liberty Mutual | $11,845 | $17,111 |
| Nationwide | $7,249 | $10,911 |
| Progressive | $10,232 | $11,164 |
| State Farm | $8,106 | $9,968 |
| Travelers | $9,818 | $11,631 |
| USAA | $9,224 | $10,935 |
Cheapest Center Moriches, NY Car Insurance for Seniors
Take a look at Center Moriches, NY senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,305 | $3,314 |
| Geico | $2,259 | $2,226 |
| Liberty Mutual | $5,633 | $5,633 |
| Nationwide | $3,662 | $3,662 |
| Progressive | $2,343 | $2,404 |
| State Farm | $2,456 | $2,456 |
| Travelers | $3,796 | $3,988 |
| USAA | $2,085 | $2,091 |
Cheapest Center Moriches, NY Car Insurance Rates After a DUI
A DUI in Center Moriches, NY increases car insurance rates. Compare Center Moriches, New York DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,257 |
| Geico | $5,195 |
| Liberty Mutual | $13,289 |
| Nationwide | $9,066 |
| Progressive | $5,312 |
| State Farm | $4,579 |
| Travelers | $6,293 |
| USAA | $5,682 |
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Cheapest Center Moriches, NY Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Center Moriches, NY by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,999 | $5,141 |
| Geico | $3,120 | $3,309 |
| Liberty Mutual | $7,863 | $8,332 |
| Nationwide | $5,276 | $5,276 |
| Progressive | $4,911 | $4,911 |
| State Farm | $4,208 | $4,528 |
| Travelers | $5,783 | $5,783 |
| USAA | $4,342 | $4,431 |
Cheapest Center Moriches, NY Car Insurance Rates by ZIP Code
Center Moriches car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Center Moriches, NY.
| ZIP Code | Average Annual Rates |
|---|---|
| 11934 | $5,101 |
| 11955 | $5,240 |
The Best Cheap Car Insurance Companies in Center Moriches, NY
Take a look at a side-by-side comparison of the top car insurance companies in Center Moriches, NY to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,070 |
| Geico | $3,215 |
| Liberty Mutual | $8,098 |
| Nationwide | $5,276 |
| Progressive | $4,911 |
| State Farm | $4,368 |
| Travelers | $5,783 |
| USAA | $4,387 |
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Category Winners: Cheapest Car Insurance in Center Moriches, New York
Find the cheapest car insurance companies in Center Moriches, NY for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
Cheapest Center Moriches, NY Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Center Moriches car insurance rates. Find the cheapest Center Moriches, NY car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,668 | $5,043 | $5,499 |
| Geico | $3,001 | $3,194 | $3,448 |
| Liberty Mutual | $7,665 | $8,075 | $8,553 |
| Nationwide | $4,894 | $5,222 | $5,712 |
| Progressive | $4,596 | $4,870 | $5,267 |
| State Farm | $4,113 | $4,394 | $4,596 |
| Travelers | $5,416 | $5,708 | $6,224 |
| USAA | $4,224 | $4,357 | $4,579 |
What affects car insurance rates in Center Moriches, New York?
What factors can have an impact on Center Moriches, NY car insurance? There are several reasons why Center Moriches car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Center Moriches, New York.
Commute Time in Center Moriches
The more time you spend in your car the higher the risk of an accident. The average commute length in Center Moriches, NY is 32.2 minutes according to City-Data.
Compare Car Insurance Quotes in Center Moriches, NY
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