Best Cheap Auto Insurance in Otego, NY (2021)

The average Otego, NY auto insurance rates are $285 per month. The minimum auto insurance in Otego is at least 25/50/10 in coverage to comply with New York auto insurance laws. To find the best cheap auto insurance in Otego, New York, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 most expensive auto insurance company in Otego for teen drivers is Liberty Mutual
  • The minimum auto insurance required in Otego, New York is 25/50/10
  • Average auto insurance rates in Otego, NY for senior drivers are $2,124 per year

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

Compare auto insurance in Otego to other New York cities, including Utica auto insurance rates, Schenectady auto insurance rates, and Buffalo auto insurance rates to see how Otego, New York auto insurance rates stack up.

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

Minimum Auto Insurance in Otego, New York

Otego, 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 Otego, New York.

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

Auto insurance rates in Otego, 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 Otego, 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 $1,672 $1,586 $1,359 $1,374 $5,372 $6,000 $2,148 $2,107
State Farm $2,185 $2,185 $1,898 $1,898 $6,331 $8,186 $2,395 $2,540
Travelers $2,416 $2,432 $2,192 $2,348 $5,495 $6,462 $2,562 $2,668
USAA $1,750 $1,722 $1,576 $1,583 $6,993 $8,362 $2,243 $2,480

Cheap Otego, New York Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Otego, 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 $5,372 $6,000
State Farm $6,331 $8,186
Travelers $5,495 $6,462
USAA $6,993 $8,362

Cheap Otego, New York Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Otego, 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 $1,359 $1,374
State Farm $1,898 $1,898
Travelers $2,192 $2,348
USAA $1,576 $1,583

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

Annual Otego, 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 $2,632 $2,632 $2,899 $2,647
State Farm $3,294 $3,294 $3,611 $3,611
Travelers $2,850 $3,542 $3,593 $3,302
USAA $2,972 $3,020 $4,343 $3,020

Cheap Otego, New York Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Otego, 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 $2,899
State Farm $3,611
Travelers $3,593
USAA $4,343

Cheap Otego, New York Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Otego, 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 $4,278 $2,211 $1,617
State Farm $4,875 $3,057 $2,426
Travelers $4,550 $2,893 $2,522
USAA $5,185 $2,565 $2,265

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Cheap Otego, New York Auto Insurance Rates By ZIP Code

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

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

ZIP Code Average Annual Rates
13825 $3,448

Cheap Otego, New York Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,458 $3,552
GEICO $2,118 $2,247
Liberty Mutual $5,686 $6,015
Nationwide $2,966 $2,966
Progressive $2,702 $2,702
State Farm $3,332 $3,573
Travelers $3,322 $3,322
USAA $3,305 $3,372

Cheap Otego, New York Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Otego, 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 $2,587 $2,690 $2,830
State Farm $3,300 $3,469 $3,588
Travelers $3,189 $3,298 $3,478
USAA $3,250 $3,324 $3,442

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

Compare the cheapest auto insurance companies in Otego, 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 Otego, 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 Otego, New York Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $3,505
GEICO $2,182
Liberty Mutual $5,850
Nationwide $2,966
Progressive $2,702
State Farm $3,452
Travelers $3,322
USAA $3,339

What affects auto insurance rates in Otego, New York?

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

Otego Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Otego, New York commute length is 18.8 minutes according to City-Data.

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Compare Otego, New York Auto Insurance Quotes

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