Car insurance rates in Binghamton October 2025

The auto insurance rates published in this guide are based on the results of research completed by Way.com‘s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.

– NYCM provides the cheapest liability coverage at $32 per month in Binghamton.

– NYCM offers the cheapest rates for full coverage insurance in Binghamton at $70 per month.

Read on to learn more about car insurance price trends in Binghamton. More car insurance rate data is available in the original article at Way.com.

Cheapest liability insurance in Binghamton

For drivers looking to meet Binghamton minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.

Cheapest liability insurance in Binghamton

#1. NYCM: $32

#2. New York Central Mutual Fire: $33

#3. Kemper: $40

#4. American Family: $47

#5. Progressive: $54

Cheap full coverage in Binghamton

Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.

Cheapest full coverage insurance in Binghamton

#1. Kemper: $70

#2. New York Central Mutual Fire: $92

#2. NYCM: $92

#4. American Family: $100

#5. Progressive: $103

Impact of traffic violations on Binghamton auto insurance rates

In Binghamton, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer’s policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in Binghamton may differ from the national average due to regional risks and rules.

Here’s a breakdown of average auto insurance rates in Binghamton after common driving violations.

– No violation: $158

– Not-at-fault accident: $162

– Failure to wear a seat belt: $165

– Speeding 6 – 10 MPH over limit: $172

– Speeding 21 – 25 MPH over limit: $194

– DUI: $248

– Reckless driving: $224

– Driving with a suspended license: $241

– Leaving scene of an accident/hit and run: $252

This story was produced by Way and reviewed and distributed by Stacker.