Get Affordable Medina, NY Auto Insurance Quotes (2024)

Key Statistics for Medina, NY

Looking for auto insurance in Medina, NY? New York auto insurance can be pricey, and no one likes to pay more than they have to. Whether you are a car owner looking for comprehensive levels of coverage or need quick-and-easy insurance, this guide will help you determine exactly where to look.

Finding the best car insurance for your area takes time and research, and the last thing you want to do is spend hours looking over the various Medina auto insurance options. Don’t worry, we’ve done it for you. This guide will tell you everything you need to know about auto insurance laws, costs, and the best auto insurance companies in Medina, New York.

If you’d like to compare new york auto insurance rates in Medina online, please enter your ZIP code at the top of this page to get the cheapest auto insurance quotes in the area.

Medina, NY Auto Insurance Agents

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Auto Insurance Rates in Medina

Auto insurance coverage is a hidden necessity. If you are found to be uninsured, your license may be suspended. Due to the heavy penalties instated by local and state governments in New York, it’s best to be covered in case you need to file a claim.

In the state of New York, minimum liability requirements for insurance must be fulfilled. These requirements are $10,000 property damage for a single accident and $25,000 per person for bodily injury, which doubles if a death occurs.

Read More: Cheap New York Auto Insurance

Certain factors, such as age, gender, and homeownership, may affect your rates more than you realize. We’ll explain how this works in more detail below.

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Read more: Cheap New York Auto Insurance

Do gender and age affect my auto insurance in Medina?

Insurance companies believe your gender and age may factor into your competency as a driver. As a result, your age affects your auto insurance rates. Even if you’ve never had an accident before, rate adjusters can draw conclusions based on how others in your demographic have performed in the past.

Take a look at this video explaining how age and gender affect car insurance rates.

For the largest demographic in Medina (those aged around 42 years old), auto insurance will cost around $2,000. This number is an average of rates issued by insurance companies to people ages 35-60. The rest of the age demographics and rates by insurance group are listed below.

Medina, NY Auto Insurance Rates by Age and Gender

Company	Single 17-Year-Old Female	Single 17-Year-Old Male	Single 25-Year-Old Female	Single 25-Year-Old Male	Married 35-Year-Old Female	Married 35-Year-Old Male	Married 60-Year-Old Female	Married 60-Year-Old Male	Average
Geico	$2,747.93	$3,988.43	$1,197.46	$1,226.56	$1,326.15	$1,276.94	$1,288.71	$1,269.80	$1,790.25
Progressive	$5,687.82	$6,338.49	$2,193.01	$2,139.58	$1,700.99	$1,598.07	$1,371.90	$1,390.63	$2,802.56
Nationwide	$3,829.65	$5,702.29	$2,196.89	$2,790.49	$2,196.89	$2,196.89	$2,074.64	$2,074.64	$2,882.80
USAA	$6,618.63	$7,894.69	$2,103.04	$2,321.32	$1,645.28	$1,616.47	$1,488.19	$1,490.07	$3,147.21
Allstate	$6,926.11	$7,446.90	$2,378.10	$2,383.81	$2,412.76	$2,267.95	$2,261.06	$2,292.13	$3,545.98
Travelers	$5,986.39	$7,157.49	$2,700.61	$2,792.37	$2,558.96	$2,561.88	$2,343.24	$2,496.46	$3,574.68
State Farm	$6,607.27	$8,523.06	$2,498.40	$2,632.95	$2,277.42	$2,277.42	$1,985.16	$1,985.16	$3,598.36
Liberty Mutual	$6,640.00	$10,769.11	$3,422.53	$3,636.67	$3,422.53	$3,422.53	$3,188.08	$3,188.08	$4,711.19

It’s important to note that auto insurance for teenagers is typically more expensive than any other age demographic. Due to unique risk factors such as experience level, male teen drivers in Medina may pay over $7,000 more than the next closest age demographic, 25-year-olds.

The company with the lowest average rate overall in Medina is Geico.

Which companies have the best auto insurance rates in Medina?

The first and probably primary factor you will take into account when searching for auto insurance is the cost of your coverage.

We’ve thoroughly studied the cost factors in the industry to give you a good idea of what you’ll pay and why.  Let’s explore the individual components that affect rates, such as your ZIP code, driving record, coverage level, and more.

Cheapest Auto Insurance Rates in Medina by Company

Are you shopping around for auto insurance and hoping to learn which companies offer the best rates? Look no further, we’ve got the info you need.

Medina, NY Average Auto Insurance Rates by Company

The cheapest option for Medina residents is Geico, with Nationwide and Progressive coming in second and third respectively. Please note that while USAA offers affordable insurance options, its coverage is only available to military personnel and their families.

Best Auto Insurance in Medina for Commute Rates

The average New York driver travels around 11,421 miles per year. This is lower than the national average, likely because of the extensive public transportation system in New York City and the rail system available to commuters traveling from upstate to the city for work.

Whether you commuter, carpool, or work from home, you may be asking: Is your long commute increasing your auto insurance?

The table below shows how commute rates of 10 miles per day and 25 miles per day affect insurance rates from different companies.

Medina, NY Auto Insurance Rates by Commute

While Nationwide, Progressive, and Travelers insurance companies don’t raise their rates for longer commutes, a majority of New York insurers show significant increases. If you’ve got a long commute, it may be good to avoid Liberty Mutual, whose rates increase by $734.

Best Auto Insurance in Medina for Coverage Level Rates

Looking for high coverage insurance, or still deciding which policy level fits your needs? The table below displays the varied rates by insurance company for high, medium, and low coverage levels.

Medina, NY Auto Insurance Rates by Coverage Level

The greatest rate increase is with Allstate, where prices go up by $2,331 if you opt for high rather than low coverage.

Best Auto Insurance in Medina for Credit History Rates

Your credit score and auto insurance quotes — it doesn’t have to be a mystery. Insurance companies often use your credit score to calculate auto insurance rates. This is because a good credit score usually indicates that a client will be able to keep up with their insurance payments over time.

We’ve gathered data on companies’ rates for poor, fair, and good credit scores in the table below.

Medina, NY Auto Insurance Rates by Credit History

If you have Liberty Mutual, a drop from good to poor credit could cost you about $9,000. Geico has the lowest rate increase for the same, at only about $1,500. Surprisingly, Nationwide does not increase its rates at all for customers with poor or fair credit.

Wondering if your credit score is in the healthy range? According to Experian’s Credit Score Review, New Yorkers have an average credit score of 712, which is considered to be good credit.

Best Auto Insurance in Medina for Driving Record Rates

As you’ve already seen, many factors influence your insurance rates, but your driving record impacts your insurance rates more than most. After all, if your record shows you’re not a very safe driver, insurance companies could reasonably presume that you have an accident (and an expensive claim) in your future.

Just like with the other factors we’ve discussed, different companies will charge different rates when considering your driving record. Take a look at the table below to see what a speeding ticket, an accident, or a DUI might end up costing you.

Medina, NY Auto Insurance Rates by Driving Record

For Medina drivers who have recently garnered a DUI, the cheapest insurance company is Geico, but even then you’ll be looking at a $1,370 increase if you go from a clean record to DUI. Obviously, the message here is that you should never drink and drive. The good news for Medina residents is that most companies operating here do not increase rates at all for drivers with a single accident.

What affects auto insurance rates in Medina, NY?

We’ve gone over some of the personal factors that affect auto insurance rates, but did you know that your city’s economy and demographics are also taken into account? Let’s look at some information about Medina that insurance companies will consider when calculating your premium.

Medina Metro Report

Although city metro data is not available for Medina, we have pulled Buffalo’s information in its place. According to Brooking’s Metro Report, the Buffalo-Cheektown-Niagra area ranks 13th of 100 for all U.S. cities on the inclusion index. The metro area comes in 20th on the prosperity index, which marks productivity, increases in wage, and standards of living.

Unfortunately, Buffalo-Cheektown-Niagra ranks 95th of 100 for growth, a key category indicating economic health.

Median Household Income in Medina

According to Data USA, the median annual income for houses in Medina is $39,741. The U.S. median is $61,937, meaning that Medina residents are earning less than the average American.

A significant amount of our personal earned income goes towards necessities, one of which is auto insurance. Rather than letting the cost keep you up at night, it’s important to find a coverage level and a price that fits into your budget.

Medina residents spend an average of $3,256.63 on auto insurance, which is 8.19 percent of the median annual income. Want to know how much of your income you’re spending on auto insurance?

Homeownership in Medina

As previously noted, the average age of residents of Medina is 42 years old.

Typically, older residents are more likely to have an established income and own their own home.

In Medina’s case, though, the median age does not translate to a greater level of homeownership. In fact, Data USA tells us that 62.2 percent of Medina’s population owns their own home, which is 1.7 percent below the national average.

Another factor for insurance rates is the average home value in Medina. Data USA notes that the average cost of a home in Medina is $71,300 as of 2017. That average dropped by about $1,000 from the previous year.

Education in Medina

Medina has a thriving public school system, and New York as a whole offers ample higher education opportunities.

Suny GCC, or Genesee Community College is one option for professional certificates and degrees. A branch of SUNY (State University of New York), students there have access to the wide network of connections provided by the system.

Genesee Community College has an extensive catalog of programs and classes, including 65 academic programs of study.

Driving in Medina, NY

Now that we’ve covered the basics of insurance rates, regional demographics, and culture, it’s time to address driving in Medina. From the shores of Lake Ontario to the nature preserves surrounding this town, staying attuned to driving conditions is always a good idea.

What are the major roads in Medina, NY?

Each region has its own types of roadways and unique infrastructure. Let’s talk about Medina’s major roadways, road conditions, the use of red-light or speeding cameras, and popular tourist destinations along the way.

Major Highways in Medina

There are 31 active routes running through the state of New York, totaling 1,730 miles of open roadway. Planning trips and assessing the potential for traffic is a task in itself. Luckily, there are no interstates running through Medina to worry about.

What about toll roads? While you won’t encounter any in Medina, according to TurnpikeInfo, New York has three major toll roads and five bridges or tunnels, along with four toll bridges and tunnels and four major toll roads in connecting states.

Your nearest toll road as a Medina resident is the New York State Thruway, which begins in Yonkers and passes through the major cities of Syracuse and Rochester, eventually ending in Erie, Pennsylvania.

If you travel around the state a lot, you may need an EZ Pass for turnpikes, available through the New York State Thruway Authority. You can also reload your EZ Pass on the website.

Road Conditions in Medina

The closest large city to Medina with roadway condition data available on transportation research website TripNet is Buffalo-Niagra Falls. The share of roads in poor, mediocre, fair, and good condition are listed below.
Roadway Conditions in Buffalo-Niagra Falls, NY

Whether your city has a problem with potholes or poor infrastructure, each region has its own roadway problems. The Buffalo area measures up pretty well in the grand scheme of things, but weather usually becomes an issue in the winter months.

If you find yourself on the roads during a winter storm advisory warning, be sure to consult the online traffic resource 511 New York.

Does Medina use speeding or red-light cameras?

In Medina, red-light cameras are not currently being used. The state of New York, however, does actively use red-light and speeding cameras. Albany, Mount Vernon, Nassau County, New Rochelle, New York City, Port Jefferson Station, Suffolk County, Utica, White Plains, and Yonkers all have active red-light cameras.

According to the Insurance Institute for Highway Safety (IIHS), in 2018 alone, 846 people were killed in accidents in which a driver ran a red light.

Red-light cameras are often a controversial topic of discussion. Drivers tend to hate them, but they do provide a source of revenue for the cities that use them, and the people issued tickets are breaking the law and putting others’ safety at risk by running a red light.

What type of vehicles are in Medina?

Each city has its own quirks, and this is often reflected in the type of cars seen in and around town. Whether you deal with city driving or need 4-wheel drive for winter conditions, your vehicle reflects your commuting style.

Most Popular Vehicles Owned in Medina

The city of Medina is only an hour from Buffalo. Considering that 61 percent of the vehicles driven in Buffalo are American made, it should come as no surprise that the most popular vehicle is the Chevy Silverado.

Other top-selling cars in the area include the Chevy Equinox, Ford F Series, and Ford Escape. The most “unusually popular” car is the Chevrolet Malibu.

How many cars per household in Medina?

Next, let’s take a look at the average number of vehicles per household in Medina. After that, we’ll dig into other key info, such as speed traps and vehicle theft rates in your area.

Data USA’s recent study revealed that in 2017, residents in Medina have two cars on average.

The next greatest number of households owned one vehicle, while an even smaller margin of people owned three cars.

Households Without a Car in Medina

Only 166 households in Medina did not own a car in 2017, but this was 6.24 percent of Medina’s total households. Nationwide, 4.37 percent of households do not own a car.

Speed Traps in Medina

SpeedTrap.org lists the top 10 worst cities in New York for unwanted speeding tickets. They’ve broken down the number of speed traps in each of these cities.

• Brooklyn — 29 speed traps
• Staten Island — 15 speed traps
• Rochester — 10 speed traps
• Greenwich — five speed traps
• New York City —  three speed traps

Remember, the best way to avoid getting a speeding ticket is to drive the speed limit at all times, no matter where you are.

Vehicle Theft in Medina

Grand theft auto is a serious crime, and part of protecting yourself is finding the right insurance policy. Below, we’ve provided recent FBI statistics regarding crime rates in Medina, including vehicle thefts.

FBI Crime Statistics for Medina, NY

Despite Medina’s relatively small population, the town experienced a fairly large number of property crimes (149 cases). On the other hand, there were only three motor vehicle thefts.

According to Neighborhood Scout’s data, Medina is safer than 27 percent of U.S. cities. Neighborhood Scout has also indicated that the following neighborhoods are the safest parts of Medina:

• Knowlesville / Knowlesville Station
• Millville / East Shelby
• Village Center
• S Main St / Maple Ridge Road

Violent and Property Crime Statistics for Medina, NY

The table above shows the rates of violent crime and property crime per 1,000 residents for Medina, Manhattan, and statewide. Although Medina has a lower rate of violent crime than New York State, the town has a significantly higher rate of property crime.

How is traffic in Medina?

Just like any city or town, Medina has its own unique traffic patterns. New York State has one of the largest commuting networks in the country. In this section, we’ll cover everything from traffic congestion to the safest highways and roads.

We’ve also included significant factors (crash types, BAC of the driver, and types of vehicles involved) that increase the potential of a fatal accident. We include these statistics from Medina’s Orleans County not to scare you, but to help you make informed, safe decisions on the road.

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Traffic Congestion in New York

Medina isn’t on traffic scorecards like Inrix or TomTom, but this doesn’t mean you will never encounter traffic. If you travel to more populated metro areas in the state, you’re likely to find yourself among thousands of others at peak hours.

The table below shows congestion data provided by TomTom, as well as levels for Buffalo, New York, Medina’s closest metro area.

Buffalo, NY Congestion Level

As you can see, Buffalo residents spend an average of two days, 21 hours in traffic per year. If you live in Medina and commute to Buffalo for business or other purposes, it’s good to be aware of the time spent in traffic.

Transportation in Medina

Everyone has their own way of commuting in style. Take a look at the next table to see how Medina residents are getting around.

Medina, NY Common Commuter Options

In Medina, as of 2017, the majority of commuters (70.5 percent) reported driving alone to work. The second-largest portion of commuters (11.8 percent) reported carpooling to work.

Busiest Highways in Medina

Because Medina is not intersected by any major New York interstates or highways, there aren’t really any busy highways to discuss. However, toll roads such as the New York Thruway may rank amongst the busiest highways in the area.

How safe are Medina’s streets and roads?

Have you ever wondered about the likelihood of getting into an accident while driving in your hometown? For most of us, this is the last thing we worry about before getting behind the wheel. However, it’s important to be aware of the risks involved with driving so we can make every necessary precaution.

Let’s look at data from the National Highway Traffic Safety Administration (NHTSA) about accident fatalities in Orleans County.

NHTSA Auto Accident Fatality Data for Orleans County

The table above shows total fatalities for the years 2014-2018. As you can see, the number of fatalities peaked in 2017, but then fell dramatically in 2018.

Driving while intoxicated has more potential consequences than just harming oneself. Based on the fatalities listed above, as well as statewide statistics, we can see that drunk driving is never a good idea.

Orleans County Auto Crash Fatalities with a High BAC

While Orleans County saw no alcohol-impaired fatalities in 2018, there were two in the county the previous year. Next, we’ll look at fatal accidents involving a single vehicle.

Orleans County Auto Crash Fatalities Involving a Single Vehicle

Single-vehicle crashes reached a high in 2017, with a total of five deaths. Speeding is also a factor that increases the risk of fatalities.

Orleans County Speeding-Related Auto Crash Fatalities

A roadway departure is a crash that involves a vehicle crossing a defined line or otherwise leaving the traveled way (as defined by the Federal Highway Administration).

Orleans County Roadway Departure-Related Auto Crash Fatalities

The final fatal crash type we will examine is crashes involving an intersection in Orleans County.

Orleans County Intersection-Related Auto Crash Fatalities

In 2017, intersection-related crashes accounted for 45 percent of the traffic fatalities in Medina/Orleans County.

Next, we’ll look at fatalities by person type for Orleans County. The table below shows fatalities for passenger cars, pedestrians, and pedal cyclists.

Orleans County Auto Crash Fatalities by Person Type

There were no cyclist or pedestrian deaths in Medina over this five-year period, which is great news.

Last but not least, we’ve gathered data from the NHTSA on the total number of traffic fatalities for New York State.

2017-2018 New York State Traffic Fatalities

The table above shows a reduction in statewide traffic fatalities between 2017 and 2018. The six percent difference may not be a big deal, but any lessening of fatalities signals that traffic enforcement is making good headway.

Allstate America’s Best Drivers Report

Each year, Allstate releases a report ranking driving safety in 200 U.S. cities. It’s called the Allstate America’s Best Drivers Report.

Buffalo, New York ranked 148th on Allstate’s report for 2019, falling four places from the previous year.

Buffalo drivers had an average of 7.9 years between claims. The national average is 10.57 years between claims.

Ridesharing

Ridesharing is an umbrella term for anything from Uber to carpool services. Larger cities typically have multiple ridesharing services, such as deluxe Uber and Lyft.

Medina currently offers the following ridesharing options.

• Lyft
• UberX
• Taxi
• Lyft XL
• UberXL

The above services are ranked from least to most expensive.

Military and Veterans Auto Insurance in Medina

It’s important to recognize those who have served or are currently serving our country. Many auto insurance companies help in this effort by offering discounts to military personnel and veterans.

There is currently a strong community of military veterans in Medina, and the following section will break down this demographic by the time period served.

According to Data USA, the largest portion of veterans in Medina (a total of 148 people) served in the Gulf War (2001-). The second- and third-largest demographics are veterans of the Vietnam War (107 people) and the Korean War (65 people).

There are no military bases within an hour of Medina. The table below displays companies that offer military discounts.
Military Discounts Offered by Medina, NY Auto Insurance Companies

As you can see in the table above, not every company released its discount percentages. To get an idea of your rates, simply contact your insurance provider and ask about military discounts.

You may also have heard of USAA. This company only services members of the military and their families and their rates are inexpensive. However, USAA is not the cheapest option for Medina residents. The table below displays the cheapest options for insurance in Medina by provider, compared to the state average.

Medina, NY Auto Insurance Rates Compared to State Average

Geico’s average rate is well below the New York average — 76 percent cheaper. The second-cheapest option is USAA, provided you are eligible.

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Medina Auto Insurance FAQs

We’ve covered a lot of topics in this guide, but it’s hard to cover everything. That’s why we’ve included some frequently asked questions about living and driving in Medina.

Where can I find an insurance agency in Medina?

Are you looking for the best auto insurance in Medina, New York? If so, check out our list of auto insurance agents below. To get rates for your vehicle, contact these agents directly.
Medina NY Auto Insurance Agents

An extensive list of providers will help you to narrow down your options. We hope that it also helps you find the best policy for your needs.

How do I register my car in Medina?

Are you a new resident of New York State? If so, you’ll need to register your vehicle within 180 days of the effective date on your insurance ID card. Otherwise, you may face fines or other penalties that could affect your insurance rates.

Visiting your local DMV is the first step. You should bring the following documents in order to register your car in the state:

• The original title (or other proof of ownership)
• The current NY State insurance ID card (auto liability insurance)
• The bill of sale and proof of sales tax payment/sales tax form
• Your NY State driver’s license, permit, non-driver ID, or other proof of identity
• Payment for fees and taxes or proof of an exemption
• A completed Vehicle Registration Application (PDF)

Once you acquire your registration, the necessary materials will be sent to you within two weeks. Vehicle inspection is also necessary to complete your registration process in Medina.

Have we answered all of your questions about auto insurance in Medina, NY? We’ve covered a lot of ground, and hopefully, you feel ready to shop for your auto insurance.

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