Compare Hartwick, NY Car Insurance Rates (2021)

Car insurance in Hartwick, NY averages $285 a month. Hartwick, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Hartwick car insurance rates, compare quotes from the top car insurance companies in Hartwick, 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

  • Average car insurance rates in Hartwick, NY after a DUI are $4,571/year
  • The cheapest car insurance company in Hartwick is GEICO
  • Average car insurance rates in Hartwick, NY are $3,425/year

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

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

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

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

How do age, gender, and marital status affect Hartwick, NY car insurance rates? Every Hartwick, 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 Hartwick, 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 $2,394 $2,271 $2,228 $2,265 $6,758 $7,248 $2,420 $2,459
GEICO $1,606 $1,546 $1,561 $1,538 $3,362 $4,907 $1,450 $1,489
Liberty Mutual $4,244 $4,244 $3,949 $3,949 $8,248 $13,407 $4,244 $4,515
Nationwide $2,260 $2,260 $2,133 $2,133 $3,937 $5,868 $2,260 $2,873
Progressive $1,685 $1,589 $1,365 $1,383 $5,616 $6,266 $2,174 $2,125
State Farm $2,170 $2,170 $1,886 $1,886 $6,296 $8,141 $2,380 $2,524
Travelers $2,438 $2,479 $2,208 $2,382 $5,502 $6,505 $2,592 $2,717
USAA $1,750 $1,722 $1,576 $1,583 $6,993 $8,362 $2,243 $2,480

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 Hartwick, NY

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

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

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

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

Insurance Company Poor Fair Good
Allstate $4,990 $2,954 $2,572
GEICO $2,734 $2,010 $1,803
Liberty Mutual $8,187 $5,354 $4,009
Nationwide $2,966 $2,966 $2,966
Progressive $4,377 $2,278 $1,671
State Farm $4,846 $3,038 $2,411
Travelers $4,595 $2,918 $2,545
USAA $5,185 $2,565 $2,265

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

Annual Hartwick, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,995 $2,995 $4,297 $3,734
GEICO $1,719 $1,873 $3,419 $1,719
Liberty Mutual $4,698 $4,698 $9,308 $4,698
Nationwide $2,264 $2,264 $5,017 $2,316
Progressive $2,702 $2,702 $2,981 $2,717
State Farm $3,274 $3,274 $3,590 $3,590
Travelers $2,893 $3,566 $3,618 $3,334
USAA $2,972 $3,020 $4,343 $3,020

Cheapest Hartwick, NY Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,758 $7,248
GEICO $3,362 $4,907
Liberty Mutual $8,248 $13,407
Nationwide $3,937 $5,868
Progressive $5,616 $6,266
State Farm $6,296 $8,141
Travelers $5,502 $6,505
USAA $6,993 $8,362

Cheapest Hartwick, NY Car Insurance for Seniors

Take a look at Hartwick, 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 Hartwick, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,228 $2,265
GEICO $1,561 $1,538
Liberty Mutual $3,949 $3,949
Nationwide $2,133 $2,133
Progressive $1,365 $1,383
State Farm $1,886 $1,886
Travelers $2,208 $2,382
USAA $1,576 $1,583

Cheapest Hartwick, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,297
GEICO $3,419
Liberty Mutual $9,308
Nationwide $5,017
Progressive $2,981
State Farm $3,590
Travelers $3,618
USAA $4,343

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Hartwick, NY Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,458 $3,552
GEICO $2,118 $2,247
Liberty Mutual $5,686 $6,015
Nationwide $2,966 $2,966
Progressive $2,775 $2,775
State Farm $3,312 $3,551
Travelers $3,353 $3,353
USAA $3,305 $3,372

The Best Cheap Car Insurance Companies in Hartwick, NY

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

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

Insurance Company Average Annual Rates
Allstate $3,505
GEICO $2,182
Liberty Mutual $5,850
Nationwide $2,966
Progressive $2,775
State Farm $3,432
Travelers $3,353
USAA $3,339

Category Winners: Cheapest Car Insurance in Hartwick, New York

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

Best Annual Car Insurance Rates by Company in Hartwick, 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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Hartwick, NY Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $3,338 $3,495 $3,683
GEICO $2,072 $2,173 $2,302
Liberty Mutual $5,608 $5,832 $6,111
Nationwide $2,822 $2,945 $3,129
Progressive $2,640 $2,761 $2,925
State Farm $3,277 $3,449 $3,569
Travelers $3,203 $3,323 $3,532
USAA $3,250 $3,324 $3,442

What affects car insurance rates in Hartwick, New York?

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

Commute Time in Hartwick

The more time you spend in your car the higher the risk of an accident. The average commute length in Hartwick, NY is 21.7 minutes according to City-Data.

Compare Car Insurance Quotes in Hartwick, NY

Ready to find affordable Hartwick, New York car insurance today? Enter your ZIP code for fast, free Hartwick, 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