Buy Cheap Schenectady, NY Auto Insurance (2021)

Schenectady, NY auto insurance rates average $276 a month. Minimum auto insurance requirements in Schenectady, New York are 25/50/10 to comply with New York laws. To buy cheap auto insurance in Schenectady, NY, compare Schenectady auto insurance quotes from top companies.

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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...

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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.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Schenectady, NY are $276/month
  • The most expensive auto insurance company in Schenectady after a DUI is Liberty Mutual
  • Average auto insurance rates in Schenectady, NY for teens drivers are $5,807/year

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

See how Schenectady, NY car insurance rates compare to Mount Vernon auto insurance rates, Syracuse auto insurance rates, and New York auto insurance rates before you read more about the cost of auto insurance in Schenectady.

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

Schenectady, NY Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Schenectady, 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

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Find Cheap Schenectady, NY Auto Insurance by Credit History

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

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

Insurance Company Poor Fair Good
Allstate $5,294 $3,126 $2,707
GEICO $2,662 $1,955 $1,755
Liberty Mutual $6,702 $4,393 $3,297
Nationwide $2,736 $2,736 $2,736
Progressive $5,071 $2,633 $1,934
State Farm $4,480 $2,810 $2,230
Travelers $5,056 $3,226 $2,813
USAA $4,608 $2,365 $2,093

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Schenectady, 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 $2,461 $2,325 $2,314 $2,358 $7,354 $7,952 $2,438 $2,467
GEICO $1,530 $1,476 $1,493 $1,471 $3,309 $4,918 $1,375 $1,421
Liberty Mutual $3,474 $3,474 $3,239 $3,239 $6,794 $11,001 $3,474 $3,683
Nationwide $2,063 $2,063 $1,949 $1,949 $3,694 $5,484 $2,063 $2,626
Progressive $1,885 $1,745 $1,496 $1,521 $6,720 $7,485 $2,458 $2,393
State Farm $1,960 $1,960 $1,716 $1,716 $5,933 $7,639 $2,163 $2,299
Travelers $2,602 $2,625 $2,400 $2,573 $6,242 $7,472 $2,777 $2,895
USAA $1,570 $1,539 $1,434 $1,428 $6,408 $7,594 $2,001 $2,204

Buy Cheap Schenectady, NY Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,354 $7,952
GEICO $3,309 $4,918
Liberty Mutual $6,794 $11,001
Nationwide $3,694 $5,484
Progressive $6,720 $7,485
State Farm $5,933 $7,639
Travelers $6,242 $7,472
USAA $6,408 $7,594

Buy Cheap Schenectady, NY Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,314 $2,358
GEICO $1,493 $1,471
Liberty Mutual $3,239 $3,239
Nationwide $1,949 $1,949
Progressive $1,496 $1,521
State Farm $1,716 $1,716
Travelers $2,400 $2,573
USAA $1,434 $1,428

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

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

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

Insurance Company Low Medium High
Allstate $3,525 $3,698 $3,903
GEICO $2,004 $2,121 $2,248
Liberty Mutual $4,564 $4,780 $5,049
Nationwide $2,582 $2,719 $2,908
Progressive $3,057 $3,200 $3,381
State Farm $2,998 $3,193 $3,329
Travelers $3,525 $3,672 $3,899
USAA $2,922 $3,006 $3,139

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Find Cheap Schenectady, NY Auto Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,659 $3,759
GEICO $2,061 $2,188
Liberty Mutual $4,664 $4,931
Nationwide $2,736 $2,736
Progressive $3,213 $3,213
State Farm $3,064 $3,283
Travelers $3,698 $3,698
USAA $2,992 $3,052

Find Cheap Schenectady, NY Auto Insurance Rates by ZIP Code

Auto insurance rates in Schenectady, New York can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Schenectady, NY to see how much where you live in Schenectady affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Schenectady, New York

ZIP Code Average Annual Rates
12304 $3,352
12305 $3,390
12306 $3,343
12307 $3,390
12308 $3,391
12309 $3,314

Find Cheap Schenectady, NY Auto Insurance Rates by Driving Record

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

Annual Schenectady, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,130 $3,130 $4,607 $3,968
GEICO $1,645 $1,795 $3,412 $1,645
Liberty Mutual $3,817 $3,817 $7,740 $3,817
Nationwide $2,101 $2,101 $4,596 $2,147
Progressive $3,121 $3,121 $3,466 $3,141
State Farm $3,017 $3,017 $3,329 $3,329
Travelers $3,145 $3,954 $4,012 $3,682
USAA $2,676 $2,721 $3,972 $2,721

Find Cheap Schenectady, NY Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,607
GEICO $3,412
Liberty Mutual $7,740
Nationwide $4,596
Progressive $3,466
State Farm $3,329
Travelers $4,012
USAA $3,972

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

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

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

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation GEICO

Find Cheap Schenectady, New York Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $3,709
GEICO $2,124
Liberty Mutual $4,797
Nationwide $2,736
Progressive $3,213
State Farm $3,173
Travelers $3,698
USAA $3,022

What affects Schenectady, New York auto insurance rates?

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

Commute Times in Schenectady

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Schenectady, NY is 21.3 minutes according to City-Data.

Traffic in Schenectady

How is traffic in Schenectady, New York? Inrix data shows that Schenectady, NY traffic makes it the 787th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Schenectady, NY

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

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