Buy Cheap Cooperstown, NY Auto Insurance (2021)

Cooperstown, NY auto insurance rates average $286 a month. Minimum auto insurance requirements in Cooperstown, New York are 25/50/10 to comply with New York laws. To buy cheap auto insurance in Cooperstown, NY, compare Cooperstown auto insurance quotes from top companies.

Compare Quotes Now

 Secured with SHA-256 Encryption

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

Advertiser Disclosure

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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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.

A Concise Overview

  • The most expensive auto insurance company in Cooperstown after a DUI is Liberty Mutual
  • Average auto insurance rates in Cooperstown, NY for teens drivers are $5,843/year
  • Average auto insurance rates in Cooperstown, NY are $286/month

Finding affordable Cooperstown, New York auto insurance can be challenging, but everything you need to know to buy cheap Cooperstown, NY auto insurance with confidence is right here. Auto insurance rates in Cooperstown are affected by local factors as well as personal ones like your driving record.

See how Cooperstown, NY car insurance rates compare to Buffalo auto insurance rates, Utica auto insurance rates, and Rochester auto insurance rates before you read more about the cost of auto insurance in Cooperstown.

Don’t buy Cooperstown, NY auto insurance until you’ve compared rates. Get free Cooperstown, New York auto insurance quotes when you enter your ZIP code above.

Cooperstown, NY Minimum Auto Insurance Requirements

The required auto insurance in Cooperstown, NY is 25/50/10 according to the auto insurance laws in New York. The minimum auto insurance in Cooperstown, New York is outlined here.

Minimum Required Auto Insurance Coverage in Cooperstown, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Cooperstown, NY Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Cooperstown, NY. Take a look at Cooperstown, New York auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Cooperstown, New York

Insurance Company Poor Fair Good
Allstate $4,990 $2,954 $2,572
GEICO $2,734 $2,010 $1,803
Liberty Mutual $8,187 $5,354 $4,009
Nationwide $2,966 $2,966 $2,966
Progressive $4,433 $2,305 $1,690
State Farm $4,846 $3,038 $2,411
Travelers $4,595 $2,918 $2,545
USAA $5,185 $2,565 $2,265

Buy Cheap Cooperstown, NY Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Cooperstown, New York auto insurance rates? Find out how car insurance rates in Cooperstown, NY are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Cooperstown, New York

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,394 $2,271 $2,228 $2,265 $6,758 $7,248 $2,420 $2,459
GEICO $1,606 $1,546 $1,561 $1,538 $3,362 $4,907 $1,450 $1,489
Liberty Mutual $4,244 $4,244 $3,949 $3,949 $8,248 $13,407 $4,244 $4,515
Nationwide $2,260 $2,260 $2,133 $2,133 $3,937 $5,868 $2,260 $2,873
Progressive $1,716 $1,622 $1,396 $1,411 $5,652 $6,308 $2,209 $2,160
State Farm $2,170 $2,170 $1,886 $1,886 $6,296 $8,141 $2,380 $2,524
Travelers $2,438 $2,479 $2,208 $2,382 $5,502 $6,505 $2,592 $2,717
USAA $1,750 $1,722 $1,576 $1,583 $6,993 $8,362 $2,243 $2,480

Buy Cheap Cooperstown, NY Auto Insurance for Teen Drivers

Auto insurance for teenagers in Cooperstown can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Cooperstown, NY are listed here.

Annual Auto Insurance Rates for Teen Drivers in Cooperstown, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,758 $7,248
GEICO $3,362 $4,907
Liberty Mutual $8,248 $13,407
Nationwide $3,937 $5,868
Progressive $5,652 $6,308
State Farm $6,296 $8,141
Travelers $5,502 $6,505
USAA $6,993 $8,362

Buy Cheap Cooperstown, NY Auto Insurance for Seniors

You can save on senior auto insurance rates in Cooperstown, New York by comparing Cooperstown senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Cooperstown, NY here.

Annual Auto Insurance Rates for Senior Drivers in Cooperstown, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,228 $2,265
GEICO $1,561 $1,538
Liberty Mutual $3,949 $3,949
Nationwide $2,133 $2,133
Progressive $1,396 $1,411
State Farm $1,886 $1,886
Travelers $2,208 $2,382
USAA $1,576 $1,583

Find Cheap Auto Insurance Rates in Cooperstown, NY by Coverage Level

The amount of coverage you choose is a big factor in the cost of Cooperstown, New York auto insurance. Compare Cooperstown, NY auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Cooperstown, New York

Insurance Company Low Medium High
Allstate $3,338 $3,495 $3,683
GEICO $2,072 $2,173 $2,302
Liberty Mutual $5,608 $5,832 $6,111
Nationwide $2,822 $2,945 $3,129
Progressive $2,674 $2,795 $2,959
State Farm $3,277 $3,449 $3,569
Travelers $3,203 $3,323 $3,532
USAA $3,250 $3,324 $3,442

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Cooperstown, NY Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Cooperstown. Compare auto insurance rates in Cooperstown, NY by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Cooperstown, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,458 $3,552
GEICO $2,118 $2,247
Liberty Mutual $5,686 $6,015
Nationwide $2,966 $2,966
Progressive $2,809 $2,809
State Farm $3,312 $3,551
Travelers $3,353 $3,353
USAA $3,305 $3,372

Find Cheap Cooperstown, NY Auto Insurance Rates by Driving Record

Auto insurance rates in Cooperstown, New York are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Cooperstown, NY, take a look at the average cost for various violations versus rates for a clean driving record in Cooperstown.

Annual Cooperstown, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,995 $2,995 $4,297 $3,734
GEICO $1,719 $1,873 $3,419 $1,719
Liberty Mutual $4,698 $4,698 $9,308 $4,698
Nationwide $2,264 $2,264 $5,017 $2,316
Progressive $2,736 $2,736 $3,015 $2,751
State Farm $3,274 $3,274 $3,590 $3,590
Travelers $2,893 $3,566 $3,618 $3,334
USAA $2,972 $3,020 $4,343 $3,020

Find Cheap Cooperstown, NY Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Cooperstown, New York is higher than for a clean driving record. You can buy auto insurance after a DUI in Cooperstown for less when you shop around and compare rates from multiple Cooperstown, NY auto insurance companies.

Annual Auto Insurance Rates After a DUI in Cooperstown, New York

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,297
GEICO $3,419
Liberty Mutual $9,308
Nationwide $5,017
Progressive $3,015
State Farm $3,590
Travelers $3,618
USAA $4,343

Winners by Category: Where to Buy Cheap Auto Insurance in Cooperstown, NY

Compare rates from the cheapest auto insurance companies in Cooperstown, NY for your needs. Take a look at how Cooperstown, New York auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Cooperstown, New York

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Progressive
With 1 Speeding Violation GEICO

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Cooperstown, New York Auto Insurance Companies

If you’re looking for the cheapest Cooperstown, NY auto insurance companies overall, you can compare them here. Find the best price for Cooperstown, New York car insurance by company.

Average Annual Auto Insurance Rates by Company in Cooperstown, New York

Insurance Company Average Annual Rates
Allstate $3,505
GEICO $2,182
Liberty Mutual $5,850
Nationwide $2,966
Progressive $2,809
State Farm $3,432
Travelers $3,353
USAA $3,339

What affects Cooperstown, New York auto insurance rates?

Local factors affect auto insurance rates in Cooperstown, NY, including traffic, theft statistics, and commute length. Take a look at the things that impact Cooperstown auto insurance rates.

Commute Times in Cooperstown

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Cooperstown, NY is 12.0 minutes according to City-Data.

Compare Auto Insurance Quotes in Cooperstown, NY

You can buy cheap Cooperstown, NY auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Cooperstown, New York auto insurance quotes from top companies.

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption