Compare Amsterdam, NY Car Insurance Rates (2021)

Car insurance in Amsterdam, NY averages $265 a month. Amsterdam, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Amsterdam car insurance rates, compare quotes from the top car insurance companies in Amsterdam, NY.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Amsterdam is GEICO
  • Average car insurance rates in Amsterdam, NY are $3,177/year
  • The cheapest car insurance company in Amsterdam for teen drivers is GEICO

If you need to buy Amsterdam, New York car insurance, the options can be confusing. Everything you need to know about car insurance in Amsterdam, NY is right here.

You’ll find Amsterdam car insurance rates, the cheapest Amsterdam, NY car insurance companies, and information on New York car insurance laws. You can also compare Amsterdam, New York car insurance rates to Syracuse car insurance rates, New Rochelle car insurance rates, and Utica car insurance rates.

Ready to find affordable Amsterdam, NY car insurance today? Enter your ZIP code for fast, free Amsterdam car insurance quotes.

Cheapest Amsterdam, NY Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Amsterdam, NY car insurance rates? Every Amsterdam, New York car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Amsterdam, 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 $1,387 $1,337 $1,351 $1,331 $2,949 $4,340 $1,249 $1,284
Liberty Mutual $3,400 $3,400 $3,168 $3,168 $6,609 $10,710 $3,400 $3,610
Nationwide $2,068 $2,068 $1,954 $1,954 $3,660 $5,437 $2,068 $2,629
Progressive $1,539 $1,433 $1,227 $1,250 $5,417 $6,041 $2,006 $1,965
State Farm $1,979 $1,979 $1,726 $1,726 $5,831 $7,520 $2,176 $2,304
Travelers $2,449 $2,477 $2,229 $2,395 $5,600 $6,648 $2,601 $2,714
USAA $1,678 $1,645 $1,523 $1,519 $6,863 $8,173 $2,139 $2,356

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Minimum Car Insurance in Amsterdam, NY

Every driver must carry the minimum car insurance in Amsterdam, NY. Take a look at the New York car insurance requirements.

Minimum Required Car Insurance Coverage in Amsterdam, 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

Cheapest Amsterdam, NY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Amsterdam, NY. Compare credit history car insurance rates in Amsterdam from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Amsterdam, New York

Insurance Company Poor Fair Good
Allstate $5,294 $3,126 $2,707
GEICO $2,385 $1,753 $1,573
Liberty Mutual $6,541 $4,288 $3,220
Nationwide $2,730 $2,730 $2,730
Progressive $4,103 $2,146 $1,580
State Farm $4,454 $2,793 $2,217
Travelers $4,650 $2,948 $2,569
USAA $4,981 $2,509 $2,222

Cheapest Amsterdam, NY Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Amsterdam, NY to rates for a clean record with top companies.

Annual Amsterdam, New York Car 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 $1,486 $1,620 $3,023 $1,486
Liberty Mutual $3,747 $3,747 $7,492 $3,747
Nationwide $2,094 $2,094 $4,589 $2,141
Progressive $2,537 $2,537 $2,813 $2,552
State Farm $3,005 $3,005 $3,304 $3,304
Travelers $2,912 $3,611 $3,662 $3,372
USAA $2,872 $2,920 $4,237 $2,920

Cheapest Amsterdam, NY Car Insurance for Teen Drivers

Teen car insurance in Amsterdam, NY can be expensive. Take a look at rates from the top car insurance companies in Amsterdam for teenagers.

Annual Car Insurance Rates for Teen Drivers in Amsterdam, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,354 $7,952
GEICO $2,949 $4,340
Liberty Mutual $6,609 $10,710
Nationwide $3,660 $5,437
Progressive $5,417 $6,041
State Farm $5,831 $7,520
Travelers $5,600 $6,648
USAA $6,863 $8,173

Cheapest Amsterdam, NY Car Insurance for Seniors

Take a look at Amsterdam, NY senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Amsterdam, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,314 $2,358
GEICO $1,351 $1,331
Liberty Mutual $3,168 $3,168
Nationwide $1,954 $1,954
Progressive $1,227 $1,250
State Farm $1,726 $1,726
Travelers $2,229 $2,395
USAA $1,523 $1,519

Cheapest Amsterdam, NY Car Insurance Rates After a DUI

A DUI in Amsterdam, NY increases car insurance rates. Compare Amsterdam, New York DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Amsterdam, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,607
GEICO $3,023
Liberty Mutual $7,492
Nationwide $4,589
Progressive $2,813
State Farm $3,304
Travelers $3,662
USAA $4,237

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Cheapest Amsterdam, NY Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Amsterdam, NY by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Amsterdam, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,659 $3,759
GEICO $1,848 $1,960
Liberty Mutual $4,552 $4,814
Nationwide $2,730 $2,730
Progressive $2,610 $2,610
State Farm $3,044 $3,265
Travelers $3,389 $3,389
USAA $3,205 $3,269

The Best Cheap Car Insurance Companies in Amsterdam, NY

Take a look at a side-by-side comparison of the top car insurance companies in Amsterdam, NY to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Amsterdam, New York

Insurance Company Average Annual Rates
Allstate $3,709
GEICO $1,904
Liberty Mutual $4,683
Nationwide $2,730
Progressive $2,610
State Farm $3,155
Travelers $3,389
USAA $3,237

Category Winners: Cheapest Car Insurance in Amsterdam, New York

Find the cheapest car insurance companies in Amsterdam, NY for each category right here.

Best Annual Car Insurance Rates by Company in Amsterdam, 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

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Cheapest Amsterdam, NY Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Amsterdam car insurance rates. Find the cheapest Amsterdam, NY car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Amsterdam, New York

Insurance Company Low Medium High
Allstate $3,525 $3,698 $3,903
GEICO $1,793 $1,896 $2,021
Liberty Mutual $4,487 $4,668 $4,894
Nationwide $2,584 $2,711 $2,895
Progressive $2,479 $2,597 $2,754
State Farm $2,994 $3,173 $3,298
Travelers $3,226 $3,359 $3,582
USAA $3,150 $3,223 $3,339

What affects car insurance rates in Amsterdam, New York?

What factors can have an impact on Amsterdam, NY car insurance? There are several reasons why Amsterdam car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Amsterdam, New York.

Commute Time in Amsterdam

The more time you spend in your car the higher the risk of an accident. The average commute length in Amsterdam, NY is 21.9 minutes according to City-Data.

Traffic in Amsterdam

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Amsterdam, NY traffic data from INRIX ranks Amsterdam as the 964th-most congested in the world.

Compare Car Insurance Quotes in Amsterdam, NY

Ready to find affordable Amsterdam, New York car insurance today? Enter your ZIP code for fast, free Amsterdam, NY car insurance quotes.

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