Best Cheap Auto Insurance in Cohoes, NY (2021)

The average Cohoes, NY auto insurance rates are $263 per month. The minimum auto insurance in Cohoes is at least 25/50/10 in coverage to comply with New York auto insurance laws. To find the best cheap auto insurance in Cohoes, New York, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Cohoes, New York is 25/50/10
  • Average auto insurance rates in Cohoes, NY for senior drivers are $1,934 per year
  • The cheapest auto insurance company in Cohoes is GEICO

Cohoes, New York auto insurance requirements are 25/50/10 according to New York auto insurance laws. Finding cheap auto insurance in Cohoes can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Cohoes, New York, including driving record, credit, commute time, and more.

Compare auto insurance in Cohoes to other New York cities, including Albany auto insurance rates, Mount Vernon auto insurance rates, and Utica auto insurance rates to see how Cohoes, New York auto insurance rates stack up.

Before you buy Cohoes, New York auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Cohoes, New York auto insurance quotes.

Minimum Auto Insurance in Cohoes, New York

Cohoes, New York auto insurance laws require that you have at least the New York minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Cohoes, New York.

Minimum Required Auto Insurance Coverage in Cohoes, 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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Cheap Cohoes, New York Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Cohoes, New York are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Cohoes, 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 $1,446 $1,395 $1,411 $1,390 $3,117 $4,626 $1,300 $1,343
Liberty Mutual $3,353 $3,353 $3,125 $3,125 $6,539 $10,591 $3,353 $3,555
Nationwide $2,041 $2,041 $1,929 $1,929 $3,658 $5,430 $2,041 $2,598
Progressive $1,569 $1,457 $1,253 $1,273 $5,658 $6,320 $2,054 $2,010
State Farm $1,930 $1,930 $1,689 $1,689 $5,828 $7,512 $2,129 $2,261
Travelers $2,441 $2,455 $2,254 $2,412 $5,863 $6,998 $2,605 $2,711
USAA $1,532 $1,502 $1,397 $1,391 $6,246 $7,415 $1,952 $2,149

Cheap Cohoes, New York Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Cohoes, New York is a challenge. Take a look at the annual teen auto insurance rates in Cohoes, New York.

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,354 $7,952
GEICO $3,117 $4,626
Liberty Mutual $6,539 $10,591
Nationwide $3,658 $5,430
Progressive $5,658 $6,320
State Farm $5,828 $7,512
Travelers $5,863 $6,998
USAA $6,246 $7,415

Cheap Cohoes, New York Auto Insurance for Seniors

What are senior auto insurance rates in Cohoes, New York? Take a look at the annual average rates for older drivers.

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,314 $2,358
GEICO $1,411 $1,390
Liberty Mutual $3,125 $3,125
Nationwide $1,929 $1,929
Progressive $1,253 $1,273
State Farm $1,689 $1,689
Travelers $2,254 $2,412
USAA $1,397 $1,391

Cheap Cohoes, New York Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Cohoes, New York compared to the annual auto insurance rates with a clean record in Cohoes, New York.

Annual Cohoes, 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 $1,555 $1,696 $3,209 $1,555
Liberty Mutual $3,689 $3,689 $7,431 $3,689
Nationwide $2,080 $2,080 $4,546 $2,127
Progressive $2,624 $2,624 $2,910 $2,640
State Farm $2,968 $2,968 $3,274 $3,274
Travelers $2,944 $3,709 $3,764 $3,452
USAA $2,609 $2,652 $3,879 $2,652

Cheap Cohoes, New York Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Cohoes, New York is not easy. Compare the annual rates for DUI auto insurance in Cohoes, New York to find the best deal.

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,607
GEICO $3,209
Liberty Mutual $7,431
Nationwide $4,546
Progressive $2,910
State Farm $3,274
Travelers $3,764
USAA $3,879

Cheap Cohoes, New York Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Cohoes, New York annual auto insurance rates by credit history compare.

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

Insurance Company Poor Fair Good
Allstate $5,294 $3,126 $2,707
GEICO $2,511 $1,844 $1,656
Liberty Mutual $6,458 $4,235 $3,180
Nationwide $2,708 $2,708 $2,708
Progressive $4,224 $2,227 $1,646
State Farm $4,406 $2,763 $2,194
Travelers $4,726 $3,030 $2,646
USAA $4,508 $2,300 $2,036

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Cheap Cohoes, New York Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Cohoes, New York can vary. Compare the annual cost of auto insurance by ZIP code in Cohoes, New York to see how car insurance rates are affected by location.

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

ZIP Code Average Annual Rates
12047 $3,237

Cheap Cohoes, New York Auto Insurance Rates By Commute

Commute length and annual mileage affect Cohoes, New York auto insurance. Find the cheapest annual Cohoes, New York auto insurance by commute length.

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,659 $3,759
GEICO $1,944 $2,063
Liberty Mutual $4,496 $4,753
Nationwide $2,708 $2,708
Progressive $2,699 $2,699
State Farm $3,013 $3,229
Travelers $3,467 $3,467
USAA $2,919 $2,977

Cheap Cohoes, New York Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Cohoes, New York? Check out the comparison of annual Cohoes, New York auto insurance rates by coverage level.

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

Insurance Company Low Medium High
Allstate $3,525 $3,698 $3,903
GEICO $1,899 $2,003 $2,110
Liberty Mutual $4,407 $4,607 $4,859
Nationwide $2,546 $2,689 $2,890
Progressive $2,566 $2,689 $2,843
State Farm $2,939 $3,142 $3,282
Travelers $3,318 $3,447 $3,637
USAA $2,855 $2,933 $3,055

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Best By Category: Cheapest Auto Insurance in Cohoes, New York

Compare the cheapest auto insurance companies in Cohoes, New York in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Cohoes, 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

The Cheapest Cohoes, New York Auto Insurance Companies

What auto insurance companies in Cohoes, New York are the cheapest? Compare the top Cohoes, New York auto insurance companies to find the best annual rates.

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

Insurance Company Average Annual Rates
Allstate $3,709
GEICO $2,004
Liberty Mutual $4,624
Nationwide $2,708
Progressive $2,699
State Farm $3,121
Travelers $3,467
USAA $2,948

What affects auto insurance rates in Cohoes, New York?

There are a lot of reasons why auto insurance rates in Cohoes, New York are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Cohoes, New York. Many local factors may affect your Cohoes auto insurance rates.

Cohoes Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Cohoes, New York commute length is 21.3 minutes according to City-Data.

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Compare Cohoes, New York Auto Insurance Quotes

Before you buy Cohoes, New York auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Cohoes, New York auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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