Best Cheap Auto Insurance in Saratoga Springs, NY (2021)

The average Saratoga Springs, NY auto insurance rates are $258 per month. The minimum auto insurance in Saratoga Springs is at least 25/50/10 in coverage to comply with New York auto insurance laws. To find the best cheap auto insurance in Saratoga Springs, 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 Daniel Walker

UPDATED: Jul 18, 2021

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Things to Remember

  • Average auto insurance rates in Saratoga Springs, NY for senior drivers are $1,897 per year
  • The cheapest auto insurance company in Saratoga Springs is GEICO
  • The most expensive auto insurance company in Saratoga Springs for teen drivers is Liberty Mutual

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

Compare auto insurance in Saratoga Springs to other New York cities, including Syracuse auto insurance rates, New York auto insurance rates, and New Rochelle auto insurance rates to see how Saratoga Springs, New York auto insurance rates stack up.

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

Minimum Auto Insurance in Saratoga Springs, New York

Saratoga Springs, 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 Saratoga Springs, New York.

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

Auto insurance rates in Saratoga Springs, 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 Saratoga Springs, 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 $1,405 $1,354 $1,369 $1,349 $3,001 $4,431 $1,263 $1,301
Liberty Mutual $3,278 $3,278 $3,057 $3,057 $6,397 $10,354 $3,278 $3,474
Nationwide $2,043 $2,043 $1,930 $1,930 $3,658 $5,430 $2,043 $2,600
Progressive $1,588 $1,478 $1,271 $1,290 $5,681 $6,346 $2,076 $2,031
State Farm $1,882 $1,882 $1,644 $1,644 $5,636 $7,276 $2,073 $2,205
Travelers $2,320 $2,337 $2,140 $2,290 $5,513 $6,580 $2,470 $2,571
USAA $1,484 $1,455 $1,356 $1,349 $6,076 $7,207 $1,888 $2,076

Cheap Saratoga Springs, New York Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Saratoga Springs, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,354 $7,952
GEICO $3,001 $4,431
Liberty Mutual $6,397 $10,354
Nationwide $3,658 $5,430
Progressive $5,681 $6,346
State Farm $5,636 $7,276
Travelers $5,513 $6,580
USAA $6,076 $7,207

Cheap Saratoga Springs, New York Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Saratoga Springs, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,314 $2,358
GEICO $1,369 $1,349
Liberty Mutual $3,057 $3,057
Nationwide $1,930 $1,930
Progressive $1,271 $1,290
State Farm $1,644 $1,644
Travelers $2,140 $2,290
USAA $1,356 $1,349

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

Annual Saratoga Springs, 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 $1,505 $1,642 $3,084 $1,505
Liberty Mutual $3,600 $3,600 $7,285 $3,600
Nationwide $2,081 $2,081 $4,549 $2,128
Progressive $2,644 $2,644 $2,931 $2,661
State Farm $2,884 $2,884 $3,176 $3,176
Travelers $2,791 $3,503 $3,555 $3,262
USAA $2,534 $2,577 $3,758 $2,577

Cheap Saratoga Springs, New York Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Saratoga Springs, New York

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,607
GEICO $3,084
Liberty Mutual $7,285
Nationwide $4,549
Progressive $2,931
State Farm $3,176
Travelers $3,555
USAA $3,758

Cheap Saratoga Springs, New York Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Saratoga Springs, New York

Insurance Company Poor Fair Good
Allstate $5,294 $3,126 $2,707
GEICO $2,424 $1,781 $1,598
Liberty Mutual $6,313 $4,141 $3,111
Nationwide $2,710 $2,710 $2,710
Progressive $4,259 $2,244 $1,658
State Farm $4,278 $2,683 $2,130
Travelers $4,483 $2,859 $2,491
USAA $4,370 $2,234 $1,979

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Cheap Saratoga Springs, New York Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Saratoga Springs, New York

ZIP Code Average Annual Rates
12866 $3,170

Cheap Saratoga Springs, New York Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Saratoga Springs, New York

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,659 $3,759
GEICO $1,877 $1,991
Liberty Mutual $4,396 $4,647
Nationwide $2,710 $2,710
Progressive $2,720 $2,720
State Farm $2,926 $3,135
Travelers $3,278 $3,278
USAA $2,833 $2,890

Cheap Saratoga Springs, New York Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Saratoga Springs, New York

Insurance Company Low Medium High
Allstate $3,525 $3,698 $3,903
GEICO $1,816 $1,927 $2,059
Liberty Mutual $4,304 $4,504 $4,756
Nationwide $2,557 $2,691 $2,881
Progressive $2,587 $2,710 $2,863
State Farm $2,862 $3,049 $3,179
Travelers $3,121 $3,252 $3,460
USAA $2,769 $2,846 $2,969

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Best By Category: Cheapest Auto Insurance in Saratoga Springs, New York

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

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

Average Annual Auto Insurance Rates by Company in Saratoga Springs, New York

Insurance Company Average Annual Rates
Allstate $3,709
GEICO $1,934
Liberty Mutual $4,522
Nationwide $2,710
Progressive $2,720
State Farm $3,030
Travelers $3,278
USAA $2,861

What affects auto insurance rates in Saratoga Springs, New York?

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

Saratoga Springs Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Saratoga Springs, New York commute length is 23.2 minutes according to City-Data.

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Compare Saratoga Springs, New York Auto Insurance Quotes

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