Compare Guilderland, NY Car Insurance Rates (2021)

Car insurance in Guilderland, NY averages $269 a month. Guilderland, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Guilderland car insurance rates, compare quotes from the top car insurance companies in Guilderland, NY.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in Guilderland for teen drivers is GEICO
  • Average car insurance rates in Guilderland, NY are $3,222/year
  • Average car insurance rates in Guilderland, NY after a DUI are $4,269/year

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

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

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

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

How do age, gender, and marital status affect Guilderland, NY car insurance rates? Every Guilderland, 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 Guilderland, 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 $1,733 $1,620 $1,395 $1,413 $6,096 $6,813 $2,259 $2,207
State Farm $1,942 $1,942 $1,700 $1,700 $5,879 $7,582 $2,142 $2,279
Travelers $2,602 $2,625 $2,400 $2,573 $6,242 $7,472 $2,777 $2,895
USAA $1,532 $1,502 $1,397 $1,391 $6,246 $7,415 $1,952 $2,149

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Guilderland, NY

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

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

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

Annual Car Insurance Rates by Credit Score in Guilderland, 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 $4,613 $2,425 $1,788
State Farm $4,441 $2,785 $2,211
Travelers $5,056 $3,226 $2,813
USAA $4,508 $2,300 $2,036

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

Annual Guilderland, 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 $2,861 $2,861 $3,166 $2,879
State Farm $2,992 $2,992 $3,300 $3,300
Travelers $3,145 $3,954 $4,012 $3,682
USAA $2,609 $2,652 $3,879 $2,652

Cheapest Guilderland, NY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Guilderland, 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 $6,096 $6,813
State Farm $5,879 $7,582
Travelers $6,242 $7,472
USAA $6,246 $7,415

Cheapest Guilderland, NY Car Insurance for Seniors

Take a look at Guilderland, 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 Guilderland, 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 $1,395 $1,413
State Farm $1,700 $1,700
Travelers $2,400 $2,573
USAA $1,397 $1,391

Cheapest Guilderland, NY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Guilderland, 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 $3,166
State Farm $3,300
Travelers $4,012
USAA $3,879

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Guilderland, NY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Guilderland, 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 $2,942 $2,942
State Farm $3,037 $3,254
Travelers $3,698 $3,698
USAA $2,919 $2,977

The Best Cheap Car Insurance Companies in Guilderland, NY

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

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

Insurance Company Average Annual Rates
Allstate $3,709
GEICO $2,004
Liberty Mutual $4,624
Nationwide $2,708
Progressive $2,942
State Farm $3,146
Travelers $3,698
USAA $2,948

Category Winners: Cheapest Car Insurance in Guilderland, New York

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

Best Annual Car Insurance Rates by Company in Guilderland, New York

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Progressive
With 1 Speeding Violation GEICO

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Guilderland, NY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Guilderland, 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 $2,800 $2,931 $3,095
State Farm $2,958 $3,167 $3,312
Travelers $3,525 $3,672 $3,899
USAA $2,855 $2,933 $3,055

Compare Car Insurance Quotes in Guilderland, NY

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption