Best Cheap Auto Insurance in Schenectady, NY (2021)

The average Schenectady, NY auto insurance rates are $276 per month. The minimum auto insurance in Schenectady is at least 25/50/10 in coverage to comply with New York auto insurance laws. To find the best cheap auto insurance in Schenectady, 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: Jul 16, 2021

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Things to Remember

  • The most expensive auto insurance company in Schenectady for teen drivers is Liberty Mutual
  • Average auto insurance rates in Schenectady, NY for senior drivers are $2,018 per year
  • The minimum auto insurance required in Schenectady, New York is 25/50/10

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

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

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

Minimum Auto Insurance in Schenectady, New York

Schenectady, 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 Schenectady, New York.

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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Cheap Schenectady, New York Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Schenectady, 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 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

Cheap Schenectady, New York Auto Insurance for Teen Drivers

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

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

Cheap Schenectady, New York Auto Insurance for Seniors

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

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

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

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

Cheap Schenectady, New York Auto Insurance Rates After a DUI

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

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

Cheap Schenectady, New York Auto Insurance By Credit History

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

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

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Cheap Schenectady, New York Auto Insurance Rates By ZIP Code

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

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

Cheap Schenectady, New York Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Schenectady, New York Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Schenectady, New York? Check out the comparison of annual Schenectady, New York 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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Best By Category: Cheapest Auto Insurance in Schenectady, New York

Compare the cheapest auto insurance companies in Schenectady, 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 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

The Cheapest Schenectady, New York Auto Insurance Companies

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

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 auto insurance rates in Schenectady, New York?

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

Schenectady Commute Time

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

Schenectady Traffic

How does Schenectady, New York rank for traffic? According to Inrix Schenectady, New York is the 787th most congested worldwide.

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Compare Schenectady, New York Auto Insurance Quotes

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