Get Affordable Otto, NY Auto Insurance Quotes (2025)
Otto, NY auto insurance averages $245/mo, which is much higher than the state average of $103/mo. New York requires drivers to carry auto insurance, but you can lower your Otto car insurance rates by adjusting your coverage, raising your deductibles, and bundling discounts like multi-policy and safe driver.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
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UPDATED: Jun 14, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 14, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- New York State requires that a driver carry auto insurance
- Auto insurance in Otto, NY is higher than the state average
- Many factors affect auto insurance rates, such as type of coverage, age, and driving record
Otto, NY auto insurance must meet the same requirements as the rest of the state and actually comes in a bit higher than the New York state average.
Otto, New York is a small town in the western part of the state, but that doesn’t mean residents are limited in their car insurance options.
You can shop around for the best deals on Otto, NY car insurance and get instant auto insurance quotes with no hassle.
Ready to buy Otto, NY auto insurance. please enter your ZIP code at the top of this page to find affordable Otto, NY auto insurance quotes.
What is the cost of Otto, NY auto insurance?
New York requires drivers to carry at least a minimum amount of auto insurance. Drivers have to carry liability, personal injury protection, and underinsured and uninsured motorist coverages to drive legally.
These are the legal requirements:
- Bodily Injury: $25,000 per person and $50,000 per accident
- Property Damage: $10,000 per accident
- Personal Injury Protection: $50,000 per person
- Underinsured or Uninsured Motorist: $25,000 per person and $50,000 per accident
But that doesn’t mean that every driver obeys the law. The Insurance Information Institute reports that just over six percent of New York drivers are uninsured.
Those drivers are open to fines, driver’s license suspension, and possible jail time. Not to mention being financially liable for any damages they cause in a crash.
Now that you know what car insurance coverages you need to have, let’s look at rates. Average auto insurance rates in New York are $1,234.84 annually or about $103 a month.
Since we were unable to find rates for Otto, we will use the average rates for a nearby town. This table will show you the average annual auto insurance rates for Cattaraugus, NY so that you get an idea of what rates are like near you.
Average Annual Cattaraugus, NY Auto Insurance Rates Based on Coverage Type| Company | High Coverage | Low Coverage | Medium Coverage | Average Rates |
|---|---|---|---|---|
| Geico | $2,010.54 | $1,822.35 | $1,907.20 | $1,913.36 |
| Progressive | $2,600.29 | $2,380.67 | $2,476.26 | $2,485.74 |
| Nationwide | $2,893.45 | $2,574.18 | $2,704.18 | $2,723.94 |
| USAA | $3,114.51 | $2,951.84 | $3,014.62 | $3,026.99 |
| Allstate | $3,589.47 | $3,265.33 | $3,413.29 | $3,422.70 |
| State Farm | $3,573.70 | $3,276.65 | $3,451.31 | $3,433.89 |
| Travelers | $3,709.11 | $3,315.40 | $3,456.74 | $3,493.75 |
| Liberty Mutual | $4,292.25 | $3,976.04 | $4,114.41 | $4,127.57 |
Low coverage near Otto averages $2,945.31 a year or about $245 a month. That’s much higher than the state average.
The type of coverage you select will influence your auto insurance rates. While low coverage will fulfill your auto insurance requirements, you will be left having to cover any damages to your vehicle in the case of an accident.
Sometimes it’s better to pay a little more and know you are completely covered.
Are you looking for the best auto insurance rates in Otto? The best way to compare quickly is to get car insurance quotes online and compare multiple companies at once.
It’s important to note that there is also an Otto Insurance company, but that’s not to be confused with auto insurance in Otto, NY.
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What factors affect the cost of auto insurance?
There are many different factors that affect the cost of car insurance. The major factors that affect rates are age, coverage type, and driving history, but even things like your credit history can cost or save you money.
Although some factors like age and gender can’t be changed, there are some changes you can make to lower your Otto car insurance rates.
One of the most important factors to change is your driving record. You might be surprised to learn just how your driving record impacts your insurance rates.
Obeying the speed limit, avoiding accidents, and not getting DUIs can keep thousands of dollars a year in your pocket.
How can you save money on auto insurance in Otto, NY?
If you are looking to save money on your auto insurance there are several things you can do:
- Lower your coverage – Less coverage will mean lower rates. Keep in mind that will also mean more out of pocket costs for you in an accident.
- Raise your deductibles – You will have to pay more out of pocket at the time of a claim, but you will get lower car insurance rates.
- Ask for discounts – Most auto insurance companies will offer discounts for things like multi-car policies. You can also usually bundle your discounts to save even more.
- Compare quotes – Each company will charge different rates so it’s important to compare quotes from multiple companies to get the best rate.
Even if you already have car insurance, you can compare quotes with your Otto, NY car insurance rates to make sure you are getting the best deal.
If you’d like to speak to an agent to help choose coverage, check out the list below.
Auto Insurance Agents in Otto, NY| MarkhamBixby Agency 50 W Main St, Gowanda, NY 14070 (716) 532-3336 | Evans Bank Insurance 25 Buffalo St, Gowanda, NY 14070 (716) 549-3500 |
| WeedRoss Agency 4 Monroe St, Ellicottville, NY 14731 (716) 699-2388 | Grant L Getzoni Agency 5085 Route 353, Salamanca, NY 14779 (716) 938-6232 |
| Scott Danahy Naylon Insurance Brokerage 316 Pine St, South Dayton, NY 14138 (716) 988-3263 | Haddad Agency 410 Waverly St, Springville, NY 14141 (716) 592-9337 |
| Jim Merenick 91 E Main St, Springville, NY 14141 (716) 592-3363 | The Fornes Agency 268 E Main St, Springville, NY 14141 (716) 592-4813 |
The best way to compare auto insurance quotes quickly is online. Enter your ZIP code to get a free quote today for affordable Otto, NY auto insurance.
Frequently Asked Questions
What is the average cost of auto insurance in Otto, NY?
The average cost of auto insurance in Otto, NY is higher than the state average. While we couldn’t find specific rates for Otto, the nearby town of Cattaraugus, NY, has an average monthly rate of $245. This is significantly higher than the state average of $103 per month.
What are the legal requirements for auto insurance in Otto, NY?
Auto insurance in Otto, NY must meet the same requirements as the rest of the state. The legal requirements include liability coverage, personal injury protection, and underinsured/uninsured motorist coverage. These coverages are necessary for driving legally in New York.
What factors affect the cost of auto insurance?
Several factors influence the cost of auto insurance. The major factors include age, coverage type, driving history, and even credit history. While some factors cannot be changed, such as age and gender, you can make changes to lower your rates. Maintaining a clean driving record, obeying traffic laws, and avoiding accidents and DUIs can help reduce your insurance costs.
How can I save money on auto insurance in Otto, NY?
There are several ways to save money on auto insurance in Otto, NY:
- Compare quotes from multiple insurance companies to find the best deal.
- Consider raising your deductibles, which can lower your premium.
- Bundle your auto insurance with other policies, such as home or renters insurance, to qualify for multi-policy discounts.
- Maintain a good credit score, as it can impact your insurance rates.
- Take advantage of any safe driver discounts or other discounts offered by insurance companies.
How can I get affordable auto insurance quotes in Otto, NY?
The best way to get affordable auto insurance quotes in Otto, NY is to compare quotes online. By entering your ZIP code, you can use a free quote tool to receive quotes from multiple insurance companies at once. This allows you to easily compare rates and find the most affordable option for your needs.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.