CarInsurance.com Insights
- CarInsurance.com’s research shows that Progressive and Erie Insurance offer the lowest state minimum car insurance rates in Ithaca, with yearly premiums of $319 and $395, respectively.
- By shopping around and comparing quotes from multiple insurers, drivers in Ithaca can save an average of $3,124 per year on full coverage car insurance.
- Drivers in Ithaca with a speeding ticket can find the cheapest full coverage car insurance with Progressive, at an average annual cost of $1,187.
- Progressive stands out as an affordable option for drivers with a DUI in Ithaca, with average full coverage cost of $1,101 per year.
Based on a detailed data analysis, Progressive, NYCM Insurance, and Erie Insurance are the insurers that offer cheap full coverage car insurance rates for drivers in Ithaca, New York.
In Ithaca, an adult with a clean driving record and good insurance score typically pays $770 per year for a state minimum car insurance policy and expect to pay $2,263 on average if you choose to purchase a full coverage policy.
Insurance companies take various factors into account, including age, driving history and car make and model, to determine premiums.
Location is another important factor that helps insurers calculate your insurance rates. Premiums vary significantly between cities and even by ZIP codes within the same city. High-traffic areas generally lead to more accidents and claims, so insurers also consider population density, road conditions and weather to determine rates.
That’s why our team of experts has created this guide to help you make smart decisions about car insurance. It also highlights the cheapest insurance companies in Ithaca.
Who offers the cheapest car insurance rates in Ithaca, New York?
Progressive offers cheap car insurance rates in Ithaca at an average annual cost of $319 or $27 per month for state minimum coverage and $88 per month for a full coverage policy, based on our data study.
Below, you’ll find the companies that offer cheap car insurance to Ithaca drivers.
| Insurance company | Annual premium |
|---|---|
| Progressive | $1,060 |
| NYCM Insurance | $1,655 |
| Erie Insurance | $1,655 |
| GEICO | $1,867 |
| Allstate | $2,167 |
| State Farm | $2,219 |
| Travelers | $3,066 |
| Chubb | $3,335 |
| The Hanover | $4,184 |
| USAA | $1,425 |
Average car insurance rates in Ithaca
According to our rate analysis, the average cost of car insurance for state minimum coverage in Ithaca is $770. For liability-only coverage with limits of 50/100/50, you would pay $7 more a month or $82 more a year.
You can get full coverage (100/300/100) by paying $124 more a month or an additional $1,493 a year. However, a full coverage policy is worth the extra cost because it provides added protection for your vehicle and against potential liability claims.
| Coverage type | Annual premium |
|---|---|
| State minimum | $770 |
| Liability only (50/100/50) | $852 |
| Full coverage (100/300/100, $500 ded.) | $2,263 |
| Full Coverage – 100/300/100 BI/PD – 250 Comp/Coll | $2,471 |
| Full Coverage – 100/300/100 BI/PD – 1000 Comp/Coll | $2,012 |
| Non-owners | $454 |
Cheapest rates for drivers in Ithaca, New York, by age
Age is an important factor that insurance companies take into account when determining car insurance rates for drivers.
Teen drivers (ages 16 to 19) are at a higher risk of accidents due to their inexperience. The Centers for Disease Control and Prevention (CDC) reports that teen drivers are much more likely to be involved in fatal accidents compared to adults. As the risk of accidents rises, so do car insurance rates.
Drivers in their 40s, 50s and 60s typically pay less for car insurance than teen drivers because they are more likely to adhere to traffic laws and have more driving experience.
| Age group | Insurance company | Annual premium |
|---|---|---|
| Teens (16-19) | Progressive | $3,198 |
| Young adults (20-24) | Progressive | $1,710 |
| Adults (25-60) | Progressive | $1,024 |
| Seniors (65-75) | Progressive | $938 |
Speak with a friendly agent and get your quote in minutes!
Cheapest car insurance rates for Ithaca drivers after a speeding ticket
According to our data analysis, Progressive offers the cheapest car insurance rates for drivers in Ithaca with speeding tickets, at an average annual cost of $1,187 or $99 per month. Erie Insurance and State Farm also provide affordable insurance rates following a speeding ticket.
Below are the car insurance companies that offer cheap insurance premiums for Ithaca drivers with speeding tickets.
| Insurance company | Rate before ticket | Rate with speeding ticket | Rate increase (%) |
|---|---|---|---|
| Progressive | $1,060 | $1,187 | 12% |
| Erie Insurance | $1,655 | $2,112 | 28% |
| State Farm | $2,219 | $2,420 | 9% |
| GEICO | $1,867 | $2,529 | 35% |
| Allstate | $2,167 | $2,602 | 20% |
| Travelers | $3,066 | $3,553 | 16% |
| USAA | $1,425 | $1,587 | 11% |
Cheap car insurance for drivers with a DUI in Ithaca
If you’re a driver with a DUI in Ithaca, finding affordable car insurance can be challenging. However, Progressive, State Farm and Erie Insurance offer cheap car insurance rates for drivers in Ithaca after a DUI conviction.
The table below lists affordable car insurance companies in Ithaca that offer coverage to individuals with a DUI.
| Insurance company | Rate before DUI | Rate with DUI | Rate increase (%) |
|---|---|---|---|
| Progressive | $1,060 | $1,101 | 4% |
| State Farm | $2,219 | $2,420 | 9% |
| Erie Insurance | $1,655 | $2,640 | 60% |
| Allstate | $2,167 | $2,934 | 35% |
| Travelers | $3,066 | $3,638 | 19% |
| GEICO | $1,867 | $4,728 | 153% |
| USAA | $1,425 | $2,033 | 43% |
Affordable car insurers for Ithaca drivers after an at-fault accident
An at-fault accident in Ithaca can lead to higher car insurance rates, but don’t worry – some insurers offer affordable car insurance rates. In Ithaca, Progressive offers the cheapest car insurance rates for drivers with an accident on their records. Other insurers that offer affordable premiums include Erie Insurance and GEICO.
The table below shows affordable auto insurance options for drivers in Ithaca with a history of at-fault accidents.
| Insurance company | Rate before at-fault accident | Rate with at-fault accident | Rate increase (%) |
|---|---|---|---|
| Progressive | $1,060 | $1,591 | 50% |
| Erie Insurance | $1,655 | $2,509 | 52% |
| GEICO | $1,867 | $2,529 | 35% |
| State Farm | $2,219 | $2,555 | 15% |
| Allstate | $2,167 | $2,806 | 30% |
| Travelers | $3,066 | $3,639 | 19% |
| USAA | $1,425 | $1,697 | 19% |
How you can save on your car insurance policy
You can save an average of $3,124 annually or $260 monthly on a full coverage policy in Ithaca, New York, by comparing car insurance quotes, according to CarInsurance.com’s rate analysis. While savings will depend on your location, age and driving record, this shows a significant benefit to shopping for your policy.
Expert’s take on getting car insurance in Ithaca
Shopping for a new auto insurance policy at renewal time is the best way to ensure you have the cheapest car insurance in Ithaca, New York. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.
Resources and methodology
Sources
- Centers for Disease Control and Prevention. ‘Teen drivers.’ Accessed March 2026.
- Insurance Information Institute. ‘Senior driving safety and insurance tips.’ Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 40-year-old male and female drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles. Read the detailed methodology for more information.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
We're not here to sell you a policy. Instead, we empower you to choose wisely by offering real-world insights and support. Everything we create is built on trust, transparency and a commitment to clarity so that you can move forward with confidence every step of the way. We help you make smarter decisions — quickly, clearly and on your terms. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.