Cheapest Car Insurance In Binghamton, NY 2025
GEICO leads the pack in Binghamton for low-cost minimum car insurance, offering rates that average $37 each month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Trying to find affordable auto insurance in Binghamton, NY? The cost can swing a lot depending on the provider.
Looking for cheap liability coverage? GEICO is usually the most cost-effective. Need full coverage instead? Progressive has you covered. Young drivers tend to save the most with State Farm.
Cheapest Car Insurance Companies In Binghamton, NY 2025
Cheapest Liability-only Car Insurance In Binghamton: GEICO
The most affordable car insurance for minimum coverage in Binghamton comes from GEICO, with an average monthly premium of $37.
Below is a breakdown of rates from multiple insurers so you can see how they compare.
| 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 Full Coverage Insurance Rates In Binghamton: Progressive
Progressive leads in Binghamton for affordable full coverage car insurance, offering quotes that average $92 a month.
Check out the table below to compare average rates from affordable car insurance companies in Binghamton.
| 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 |
Cheapest Car Insurance Rates For Seniors: State Farm
Seniors looking for budget-friendly car insurance in Binghamton will find State Farm offers rates averaging $87 per month.
Check out the table below to compare average prices from the cheapest car insurance companies for seniors.
| 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 Rates In Binghamton For Teenagers: State Farm
Binghamton teens looking for budget-friendly car insurance will find State Farm offers rates averaging $313 per month.
Check out the table below to see which companies offer the cheapest teen insurance rates.
| 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 Auto Insurance For Young Adults in Binghamton: State Farm
State Farm leads in Binghamton for affordable insurance rates for young adults, with an average premium of $238 each month.
The table below shows a comparison of the cheapest car insurance rates available to young adults in Binghamton.
| 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 For Good Drivers: GEICO
For safe drivers in Binghamton, GEICO’s car insurance averages about $37 a month, making it the cheapest option.
For good drivers, the table below offers a comparison of average rates from the cheapest insurers.
| 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: State Farm
For those with speeding tickets in Binghamton, State Farm offers affordable car insurance at about $176 per month.
The following table lists average insurance rates for drivers with speeding tickets.
| 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: State Farm
Drivers who’ve had an at-fault accident can get affordable insurance from State Farm, with average rates near $193 each month.
Here are the top insurance companies with the most budget-friendly rates for drivers who have an at-fault accident.
| 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 Rates In Binghamton For Drivers After A DUI: State Farm
For Binghamton drivers facing a DUI, State Farm provides the cheapest car insurance at around $188 a month.
Drivers with a DUI in Binghamton can use the table below to find the lowest car insurance rates.
| 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
Binghamton drivers can find affordable coverage with AAA for $83 a month, and may also look at Progressive and GEICO, which charge about $90 and $93 per month.
Below you’ll find the leading 10 car insurance companies in Binghamton, NY, ranked by the average monthly rate they charge.
| 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 Auto Insurance Rates In Binghamton – By Age
The age of a driver heavily influences car insurance rates. Younger drivers usually pay more due to higher risks linked to inexperience and accidents. For teenagers, the average annual insurance premium can be around $7,599.
Drivers can expect cheaper insurance starting at age 25, as long as they have a clean driving record.
People in their 50s and early 60s typically get the lowest insurance premiums because companies see them as experienced drivers with lower risk.
| Age | Average Yearly Rate |
| Teenagers | $1,452 |
| 20s | $1,296 |
| 30s | $3,144 |
| 40s | $3,330 |
| 50s | $1,476 |
| 60s | $984 |
| 70s | $2,126 |
Average Rates In Binghamton – By Vehicle
Your car’s details, like make, model, year, and type, play a key role in how much insurance you pay. Typically, newer luxury cars with costly repairs have higher insurance prices.
The following table provides average car insurance rates in Binghamton for different kinds of vehicles.
| 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?
Your location plays a key part in how much you pay for car insurance. Areas with higher accident and theft rates, like cities, usually face higher premiums.
Car insurance rates average $243 a month in Los Angeles, while San Diego drivers pay about $176 each month.
| 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
The crime rate in your zip code influences your car insurance cost, so rates differ across zip codes.
Refer to the table below to find out how car insurance rates differ across Binghamton zip codes.
| City | Average Monthly Rate |
| 13904 | $95 |
| 13905 | $147 |
| 13902 | $108 |
| 13901 | $117 |
| 13790 | $114 |
Our Methodology
Using a broad range of factors—including customer service, pricing, products, and online reviews—I’ve created a deep dive into Binghamton, NY car insurance providers.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Binghamton?
In Binghamton, drivers can find the lowest minimum coverage rates with GEICO and the best deals on full coverage, including comprehensive and collision, from Progressive.
What is the average cost of car insurance in Binghamton?
Binghamton drivers typically pay around $180 each month for car insurance, though your rate will depend on your zip code, car, and driving history.
