Auto Insurance Price Comparison Tables and Notes
APPENDIX I
Territory Descriptions
Note: The Price Comparison Tables in PDF format require the Adobe Acrobat Reader to view, print or download. See below to find out how to obtain the Adobe Acrobat Reader.
NYS AUTOMOBILE INSURANCE PRICE COMPARISON TABLEDOWNSTATE REGION
The following table shows the Downstate Territory Number in Column One and the Downstate Territory in Column Two.
DOWNSTATE TERRITORY NUMBER
DOWNSTATE TERRITORY
03
BRONX SUBURBAN
01
BRONX URBAN
17
KINGS (KINGS COUNTY)
20
HEMPSTEAD TOWNSHIP
18
MANHATTAN
64
MIDDLETOWN
94
MOUNT VERNON AND YONKERS
32
NEWBURGH
55
QUEENS SUBURBAN
19
QUEENS URBAN
68
ROCKLAND
05
STATEN ISLAND (RICHMOND COUNTY)
75
SUFFOLK COUNTY WEST
NYS AUTOMOBILE INSURANCE PRICE COMPARISON TABLEUPSTATE REGION
The following table shows the Upstate Territory Number in Column One and the Upstate Territory in Column Two.
UPSTATE TERRITORY NUMBER
UPSTATE TERRITORY
13
ALBANY
72
ALBANY COUNTY (BALANCE)
28
BINGHAMTON
07
BUFFALO & LACKAWANNA
42
BUFFALO SUBURBAN
67
CLINTON, ESSEX, FRANKLIN, HAMILTON, LEWIS, ST. LAWRENCE, WARREN (BALANCE) & WASHINGTON (BALANCE) COUNTIES
59
COLUMBIA & CATSKILL
54
CORTLAND, CHENANGO, CHEMUNG COUNTY (BALANCE), TIOGA, SCHUYLER & TOMPKINS COUNTIES
61
DELAWARE, HERKIMER SOUTH, OTSEGO & SCHOHARIE COUNTIES
27
ELMIRA
51
ONTARIO
33
POUGHKEEPSIE
11
ROCHESTER
39
ROCHESTER SUBURBAN
82
SULLIVAN COUNTY
12
SYRACUSE
38
SYRACUSE SUBURBAN
34
TROY
15
UTICA
NOTES TO APPENDIX I
The rates contained in Appendix I represent the following six specific types of drivers (classifications), each of which are rated as owner and principal operator of the vehicle:
an unmarried male age 20 (with driver education) for pleasure use only;
an unmarried female age 20 (with driver education) for pleasure use only;
an adult male driver age 35 driving to work 10 miles away; and
an adult female driver age 35 driving to work 10 miles away; and
a retired male adult age 69 for pleasure use only
a retired female adult age 69 for pleasure use only.
All of these are rated as driving 10,000 miles annually.
All are rated as having been licensed three years at the effective date of the policy.
All of these are rated with no surchargeable accidents or violations. Such surcharges would increase the premium (see Chapter VIII “The Importance of Highway Safety & Safe Driving”).
For each male classification presented, rates for females with the same characteristics would be slightly lower with the majority of insurers; otherwise they would be equal. None of these insurers charge a higher premium for a female with the same characteristics.
For all classifications presented, any discounts for which a person meeting these definitions (such as a senior citizen) under a particular company’s rating manual would qualify are incorporated into the rates.
In reference to the fifth and sixth classifications cited above, the majority of insurers do not charge a higher rate as age increases for those above this age. Age 69 was chosen for representative purposes. However, please note that under some insurers’ rating plans, premiums may increase as a policyholder enters higher age classifications.
Please note that under most insurers’ rating plans, the rating classification assigned to an insured vehicle is that of the highest-rated youthful operator regardless of the age of the other operators (typically at a lower “occasional operator” rate).
Some insurers use territory definitions that are different from those used in this Guide. Where they differ, the territories in Appendix 1 that most closely corresponded to the territories submitted by insurers were used.
NOTES TO PRICE COMPARISON TABLES
More specifically, certain companies’ rates reflect slight differences in coverage as follows (as keyed to the price comparison tables):
Multi-tiering
These companies use a multi-tier rating structure (see Chapter IV).
Combined Single Limits
These insurers only write single limits of coverage at a $60,000 minimum level. This means a policyholder is not limited to $25,000 per person or $10,000 for property damage (the minimum limits set by law). Rather, an aggregate limit of $60,000 will cover claims resulting from bodily injuries to one or more persons and/or claims for property damage. Rates for these insurers reflect the higher levels of coverage.
The amount of premium required to raise Property Damage liability coverage to $50,000 is included in the amount shown for “Bodily Injury Coverage to $100,000/$300,000” (as this amount represents aggregate liability coverage of $300,000).
AutoOne insurance
This insurer only underwrites those who have been in the New York Automobile Insurance Plan (NYAIP) for at least six-months.
These insurers use a multi-tier rating structure and have different liability limits requirements for each tier. For all classes, liability limits of 100/300/50 will result in a different rating tier.
State Farm Companies
State Farm does not sell bodily injury and property damage liability coverages separately. Therefore, the rates shown under the "BI" columns are the combined BI/PD Liability rates.
USAA
This insurer generally only underwrites those who are present or former United States military officers or their family members.
Preferred Mutual
This insurer uses a multi-tier rating structure and has different liability limits requirements for each tier. For adult male (age 35) and Retired male or female (age 69) classes, liability limits of 100/300/50 will result in a different rating tier.
These insurers provide rate quotes for a private passenger automobile policy on their Web Site (See below for web addresses).
Response Worldwide Direct
This insurer generally only underwrites teachers.
INSURER
Web Address
Allstate Indemnity Company
www.allstate.com
Amica Mutual Insurance Companhy
www.amica.com
Erie Insurance Company
www.erieinsurance.com
Erie Insurance Company of New York
www.erieinsurance.com
GEICO General Insurance Company
GEICO.com
GEICO Indemnity Company
GEICO.com
GEICO
GEICO.com
Liberty Mutual Fire Insurance Company
www.libertymutual.com
Metropolitan Casualty Ins. Co
www.metlife.com
Metropolitan Group Property & Casualty Ins. Co
www.metlife.com
Nationwide Insurance Company of America
www.nationwide.com
Progressive Direct Insurance Co
progressive.com
Progressive Preferred Insurance Co
driveinsurance.com
Response Worldwide Direct Auto Insurance Compnay
teachers.com
State Farm Fire and Casualty Company
www.statefarm.com
State Farm Mutual Automobile Insurance Company
www.statefarm.com
United Services Automobile Association
www.usaa.com
USAA Casualty Insurance Company
www.usaa.com
Warner Insurance Company
www.response.com
APPENDIX I
Territory Descriptions
Note: The Price Comparison Tables in PDF format require the Adobe Acrobat Reader to view, print or download. See below to find out how to obtain the Adobe Acrobat Reader.
NYS AUTOMOBILE INSURANCE PRICE COMPARISON TABLEDOWNSTATE REGION
The following table shows the Downstate Territory Number in Column One and the Downstate Territory in Column Two.
DOWNSTATE TERRITORY NUMBER
DOWNSTATE TERRITORY
03
BRONX SUBURBAN
01
BRONX URBAN
17
KINGS (KINGS COUNTY)
20
HEMPSTEAD TOWNSHIP
18
MANHATTAN
64
MIDDLETOWN
94
MOUNT VERNON AND YONKERS
32
NEWBURGH
55
QUEENS SUBURBAN
19
QUEENS URBAN
68
ROCKLAND
05
STATEN ISLAND (RICHMOND COUNTY)
75
SUFFOLK COUNTY WEST
NYS AUTOMOBILE INSURANCE PRICE COMPARISON TABLEUPSTATE REGION
The following table shows the Upstate Territory Number in Column One and the Upstate Territory in Column Two.
UPSTATE TERRITORY NUMBER
UPSTATE TERRITORY
13
ALBANY
72
ALBANY COUNTY (BALANCE)
28
BINGHAMTON
07
BUFFALO & LACKAWANNA
42
BUFFALO SUBURBAN
67
CLINTON, ESSEX, FRANKLIN, HAMILTON, LEWIS, ST. LAWRENCE, WARREN (BALANCE) & WASHINGTON (BALANCE) COUNTIES
59
COLUMBIA & CATSKILL
54
CORTLAND, CHENANGO, CHEMUNG COUNTY (BALANCE), TIOGA, SCHUYLER & TOMPKINS COUNTIES
61
DELAWARE, HERKIMER SOUTH, OTSEGO & SCHOHARIE COUNTIES
27
ELMIRA
51
ONTARIO
33
POUGHKEEPSIE
11
ROCHESTER
39
ROCHESTER SUBURBAN
82
SULLIVAN COUNTY
12
SYRACUSE
38
SYRACUSE SUBURBAN
34
TROY
15
UTICA
NOTES TO APPENDIX I
The rates contained in Appendix I represent the following six specific types of drivers (classifications), each of which are rated as owner and principal operator of the vehicle:
an unmarried male age 20 (with driver education) for pleasure use only;
an unmarried female age 20 (with driver education) for pleasure use only;
an adult male driver age 35 driving to work 10 miles away; and
an adult female driver age 35 driving to work 10 miles away; and
a retired male adult age 69 for pleasure use only
a retired female adult age 69 for pleasure use only.
All of these are rated as driving 10,000 miles annually.
All are rated as having been licensed three years at the effective date of the policy.
All of these are rated with no surchargeable accidents or violations. Such surcharges would increase the premium (see Chapter VIII “The Importance of Highway Safety & Safe Driving”).
For each male classification presented, rates for females with the same characteristics would be slightly lower with the majority of insurers; otherwise they would be equal. None of these insurers charge a higher premium for a female with the same characteristics.
For all classifications presented, any discounts for which a person meeting these definitions (such as a senior citizen) under a particular company’s rating manual would qualify are incorporated into the rates.
In reference to the fifth and sixth classifications cited above, the majority of insurers do not charge a higher rate as age increases for those above this age. Age 69 was chosen for representative purposes. However, please note that under some insurers’ rating plans, premiums may increase as a policyholder enters higher age classifications.
Please note that under most insurers’ rating plans, the rating classification assigned to an insured vehicle is that of the highest-rated youthful operator regardless of the age of the other operators (typically at a lower “occasional operator” rate).
Some insurers use territory definitions that are different from those used in this Guide. Where they differ, the territories in Appendix 1 that most closely corresponded to the territories submitted by insurers were used.
NOTES TO PRICE COMPARISON TABLES
More specifically, certain companies’ rates reflect slight differences in coverage as follows (as keyed to the price comparison tables):
Multi-tiering
These companies use a multi-tier rating structure (see Chapter IV).
Combined Single Limits
These insurers only write single limits of coverage at a $60,000 minimum level. This means a policyholder is not limited to $25,000 per person or $10,000 for property damage (the minimum limits set by law). Rather, an aggregate limit of $60,000 will cover claims resulting from bodily injuries to one or more persons and/or claims for property damage. Rates for these insurers reflect the higher levels of coverage.
The amount of premium required to raise Property Damage liability coverage to $50,000 is included in the amount shown for “Bodily Injury Coverage to $100,000/$300,000” (as this amount represents aggregate liability coverage of $300,000).
AutoOne insurance
This insurer only underwrites those who have been in the New York Automobile Insurance Plan (NYAIP) for at least six-months.
These insurers use a multi-tier rating structure and have different liability limits requirements for each tier. For all classes, liability limits of 100/300/50 will result in a different rating tier.
State Farm Companies
State Farm does not sell bodily injury and property damage liability coverages separately. Therefore, the rates shown under the "BI" columns are the combined BI/PD Liability rates.
USAA
This insurer generally only underwrites those who are present or former United States military officers or their family members.
Preferred Mutual
This insurer uses a multi-tier rating structure and has different liability limits requirements for each tier. For adult male (age 35) and Retired male or female (age 69) classes, liability limits of 100/300/50 will result in a different rating tier.
These insurers provide rate quotes for a private passenger automobile policy on their Web Site (See below for web addresses).
Response Worldwide Direct
This insurer generally only underwrites teachers.
INSURER
Web Address
Allstate Indemnity Company
www.allstate.com
Amica Mutual Insurance Companhy
www.amica.com
Erie Insurance Company
www.erieinsurance.com
Erie Insurance Company of New York
www.erieinsurance.com
GEICO General Insurance Company
GEICO.com
GEICO Indemnity Company
GEICO.com
GEICO
GEICO.com
Liberty Mutual Fire Insurance Company
www.libertymutual.com
Metropolitan Casualty Ins. Co
www.metlife.com
Metropolitan Group Property & Casualty Ins. Co
www.metlife.com
Nationwide Insurance Company of America
www.nationwide.com
Progressive Direct Insurance Co
progressive.com
Progressive Preferred Insurance Co
driveinsurance.com
Response Worldwide Direct Auto Insurance Compnay
teachers.com
State Farm Fire and Casualty Company
www.statefarm.com
State Farm Mutual Automobile Insurance Company
www.statefarm.com
United Services Automobile Association
www.usaa.com
USAA Casualty Insurance Company
www.usaa.com
Warner Insurance Company
www.response.com
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