Best Cheap Auto Insurance in Lake Luzerne, NY (2021)

The average Lake Luzerne, NY auto insurance rates are $254 per month. The minimum auto insurance in Lake Luzerne is at least 25/50/10 in coverage to comply with New York auto insurance laws. To find the best cheap auto insurance in Lake Luzerne, 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 Lake Luzerne, New York is 25/50/10
  • The most expensive auto insurance company in Lake Luzerne for teen drivers is Liberty Mutual
  • The cheapest auto insurance company in Lake Luzerne is GEICO

Lake Luzerne, New York auto insurance requirements are 25/50/10 according to New York auto insurance laws. Finding cheap auto insurance in Lake Luzerne 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 Lake Luzerne, New York, including driving record, credit, commute time, and more.

Compare auto insurance in Lake Luzerne to other New York cities, including Mount Vernon auto insurance rates, Buffalo auto insurance rates, and Rochester auto insurance rates to see how Lake Luzerne, New York auto insurance rates stack up.

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

Minimum Auto Insurance in Lake Luzerne, New York

Lake Luzerne, 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 Lake Luzerne, New York.

Minimum Required Auto Insurance Coverage in Lake Luzerne, 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 Lake Luzerne, New York Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Lake Luzerne, 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 Lake Luzerne, 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 $2,271 $2,151 $2,127 $2,166 $6,563 $7,048 $2,275 $2,312
GEICO $1,383 $1,333 $1,346 $1,326 $2,887 $4,213 $1,248 $1,285
Liberty Mutual $3,372 $3,372 $3,142 $3,142 $6,550 $10,619 $3,372 $3,582
Nationwide $2,023 $2,023 $1,912 $1,912 $3,577 $5,309 $2,023 $2,570
Progressive $1,629 $1,527 $1,308 $1,329 $5,584 $6,233 $2,116 $2,075
State Farm $1,849 $1,849 $1,612 $1,612 $5,444 $7,017 $2,033 $2,152
Travelers $2,400 $2,424 $2,191 $2,349 $5,537 $6,571 $2,547 $2,656
USAA $1,491 $1,463 $1,346 $1,345 $6,012 $7,189 $1,899 $2,090

Cheap Lake Luzerne, New York Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lake Luzerne, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,563 $7,048
GEICO $2,887 $4,213
Liberty Mutual $6,550 $10,619
Nationwide $3,577 $5,309
Progressive $5,584 $6,233
State Farm $5,444 $7,017
Travelers $5,537 $6,571
USAA $6,012 $7,189

Cheap Lake Luzerne, New York Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lake Luzerne, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,127 $2,166
GEICO $1,346 $1,326
Liberty Mutual $3,142 $3,142
Nationwide $1,912 $1,912
Progressive $1,308 $1,329
State Farm $1,612 $1,612
Travelers $2,191 $2,349
USAA $1,346 $1,345

Cheap Lake Luzerne, 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 Lake Luzerne, New York compared to the annual auto insurance rates with a clean record in Lake Luzerne, New York.

Annual Lake Luzerne, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,856 $2,856 $4,153 $3,592
GEICO $1,482 $1,615 $2,931 $1,482
Liberty Mutual $3,723 $3,723 $7,405 $3,723
Nationwide $2,050 $2,050 $4,481 $2,095
Progressive $2,651 $2,651 $2,933 $2,666
State Farm $2,807 $2,807 $3,086 $3,086
Travelers $2,858 $3,556 $3,608 $3,316
USAA $2,530 $2,572 $3,744 $2,572

Cheap Lake Luzerne, New York Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lake Luzerne, New York

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,153
GEICO $2,931
Liberty Mutual $7,405
Nationwide $4,481
Progressive $2,933
State Farm $3,086
Travelers $3,608
USAA $3,744

Cheap Lake Luzerne, New York Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Lake Luzerne, New York

Insurance Company Poor Fair Good
Allstate $4,800 $2,833 $2,459
GEICO $2,352 $1,729 $1,551
Liberty Mutual $6,486 $4,253 $3,193
Nationwide $2,669 $2,669 $2,669
Progressive $4,293 $2,238 $1,645
State Farm $4,159 $2,609 $2,071
Travelers $4,581 $2,900 $2,523
USAA $4,423 $2,195 $1,945

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Cheap Lake Luzerne, New York Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lake Luzerne, New York

ZIP Code Average Annual Rates
12846 $3,096

Cheap Lake Luzerne, New York Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lake Luzerne, New York

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,319 $3,409
GEICO $1,822 $1,933
Liberty Mutual $4,514 $4,774
Nationwide $2,669 $2,669
Progressive $2,725 $2,725
State Farm $2,843 $3,049
Travelers $3,334 $3,334
USAA $2,826 $2,883

Cheap Lake Luzerne, New York Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lake Luzerne, New York

Insurance Company Low Medium High
Allstate $3,197 $3,354 $3,542
GEICO $1,785 $1,872 $1,976
Liberty Mutual $4,456 $4,628 $4,848
Nationwide $2,515 $2,649 $2,843
Progressive $2,596 $2,712 $2,867
State Farm $2,801 $2,962 $3,076
Travelers $3,174 $3,303 $3,527
USAA $2,786 $2,844 $2,933

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Best By Category: Cheapest Auto Insurance in Lake Luzerne, New York

Compare the cheapest auto insurance companies in Lake Luzerne, 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 Lake Luzerne, New York

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

The Cheapest Lake Luzerne, New York Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lake Luzerne, New York

Insurance Company Average Annual Rates
Allstate $3,364
GEICO $1,878
Liberty Mutual $4,644
Nationwide $2,669
Progressive $2,725
State Farm $2,946
Travelers $3,334
USAA $2,854

What affects auto insurance rates in Lake Luzerne, New York?

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

Lake Luzerne Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lake Luzerne, New York commute length is 30.5 minutes according to City-Data.

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Compare Lake Luzerne, New York Auto Insurance Quotes

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