Compare Cohoes, NY Car Insurance Rates (2021)

Car insurance in Cohoes, NY averages $263 a month. Cohoes, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Cohoes car insurance rates, compare quotes from the top car insurance companies in Cohoes, NY.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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

  • Average car insurance rates in Cohoes, NY are $3,160/year
  • The cheapest car insurance company in Cohoes for teen drivers is GEICO
  • The cheapest car insurance company in Cohoes is GEICO

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

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

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

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

How do age, gender, and marital status affect Cohoes, NY car insurance rates? Every Cohoes, 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 Cohoes, 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 $1,446 $1,395 $1,411 $1,390 $3,117 $4,626 $1,300 $1,343
Liberty Mutual $3,353 $3,353 $3,125 $3,125 $6,539 $10,591 $3,353 $3,555
Nationwide $2,041 $2,041 $1,929 $1,929 $3,658 $5,430 $2,041 $2,598
Progressive $1,569 $1,457 $1,253 $1,273 $5,658 $6,320 $2,054 $2,010
State Farm $1,930 $1,930 $1,689 $1,689 $5,828 $7,512 $2,129 $2,261
Travelers $2,441 $2,455 $2,254 $2,412 $5,863 $6,998 $2,605 $2,711
USAA $1,532 $1,502 $1,397 $1,391 $6,246 $7,415 $1,952 $2,149

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Minimum Car Insurance in Cohoes, NY

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

Minimum Required Car Insurance Coverage in Cohoes, 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 Cohoes, NY Car Insurance Rates by Credit Score

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

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

Insurance Company Poor Fair Good
Allstate $5,294 $3,126 $2,707
GEICO $2,511 $1,844 $1,656
Liberty Mutual $6,458 $4,235 $3,180
Nationwide $2,708 $2,708 $2,708
Progressive $4,224 $2,227 $1,646
State Farm $4,406 $2,763 $2,194
Travelers $4,726 $3,030 $2,646
USAA $4,508 $2,300 $2,036

Cheapest Cohoes, 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 Cohoes, NY to rates for a clean record with top companies.

Annual Cohoes, 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 $1,555 $1,696 $3,209 $1,555
Liberty Mutual $3,689 $3,689 $7,431 $3,689
Nationwide $2,080 $2,080 $4,546 $2,127
Progressive $2,624 $2,624 $2,910 $2,640
State Farm $2,968 $2,968 $3,274 $3,274
Travelers $2,944 $3,709 $3,764 $3,452
USAA $2,609 $2,652 $3,879 $2,652

Cheapest Cohoes, NY Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,354 $7,952
GEICO $3,117 $4,626
Liberty Mutual $6,539 $10,591
Nationwide $3,658 $5,430
Progressive $5,658 $6,320
State Farm $5,828 $7,512
Travelers $5,863 $6,998
USAA $6,246 $7,415

Cheapest Cohoes, NY Car Insurance for Seniors

Take a look at Cohoes, 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 Cohoes, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,314 $2,358
GEICO $1,411 $1,390
Liberty Mutual $3,125 $3,125
Nationwide $1,929 $1,929
Progressive $1,253 $1,273
State Farm $1,689 $1,689
Travelers $2,254 $2,412
USAA $1,397 $1,391

Cheapest Cohoes, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,607
GEICO $3,209
Liberty Mutual $7,431
Nationwide $4,546
Progressive $2,910
State Farm $3,274
Travelers $3,764
USAA $3,879

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Cheapest Cohoes, NY Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,659 $3,759
GEICO $1,944 $2,063
Liberty Mutual $4,496 $4,753
Nationwide $2,708 $2,708
Progressive $2,699 $2,699
State Farm $3,013 $3,229
Travelers $3,467 $3,467
USAA $2,919 $2,977

The Best Cheap Car Insurance Companies in Cohoes, NY

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

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

Insurance Company Average Annual Rates
Allstate $3,709
GEICO $2,004
Liberty Mutual $4,624
Nationwide $2,708
Progressive $2,699
State Farm $3,121
Travelers $3,467
USAA $2,948

Category Winners: Cheapest Car Insurance in Cohoes, New York

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

Best Annual Car Insurance Rates by Company in Cohoes, 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 Cohoes, NY Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $3,525 $3,698 $3,903
GEICO $1,899 $2,003 $2,110
Liberty Mutual $4,407 $4,607 $4,859
Nationwide $2,546 $2,689 $2,890
Progressive $2,566 $2,689 $2,843
State Farm $2,939 $3,142 $3,282
Travelers $3,318 $3,447 $3,637
USAA $2,855 $2,933 $3,055

What affects car insurance rates in Cohoes, New York?

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

Commute Time in Cohoes

The more time you spend in your car the higher the risk of an accident. The average commute length in Cohoes, NY is 21.3 minutes according to City-Data.

Compare Car Insurance Quotes in Cohoes, NY

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

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