Compare Johnstown, NY Car Insurance Rates (2021)

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

  • The cheapest car insurance company in Johnstown for teen drivers is GEICO
  • The cheapest car insurance company in Johnstown is GEICO
  • Average car insurance rates in Johnstown, NY are $3,154/year

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

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

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

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

How do age, gender, and marital status affect Johnstown, NY car insurance rates? Every Johnstown, 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 Johnstown, 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 $3,198 $3,198 $2,980 $2,980 $6,203 $10,049 $3,198 $3,396
Nationwide $2,068 $2,068 $1,954 $1,954 $3,660 $5,437 $2,068 $2,629
Progressive $1,556 $1,452 $1,243 $1,266 $5,437 $6,064 $2,025 $1,983
State Farm $1,969 $1,969 $1,717 $1,717 $5,799 $7,478 $2,165 $2,291
Travelers $2,449 $2,477 $2,229 $2,395 $5,600 $6,648 $2,601 $2,714
USAA $1,726 $1,692 $1,564 $1,560 $7,083 $8,444 $2,202 $2,424

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Minimum Car Insurance in Johnstown, NY

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,294 $3,126 $2,707
GEICO $2,385 $1,753 $1,573
Liberty Mutual $6,142 $4,030 $3,029
Nationwide $2,730 $2,730 $2,730
Progressive $4,134 $2,161 $1,591
State Farm $4,430 $2,779 $2,206
Travelers $4,650 $2,948 $2,569
USAA $5,152 $2,577 $2,282

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

Annual Johnstown, 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 $3,526 $3,526 $7,023 $3,526
Nationwide $2,094 $2,094 $4,589 $2,141
Progressive $2,555 $2,555 $2,832 $2,571
State Farm $2,990 $2,990 $3,287 $3,287
Travelers $2,912 $3,611 $3,662 $3,372
USAA $2,956 $3,006 $4,379 $3,006

Cheapest Johnstown, NY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Johnstown, 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 $6,203 $10,049
Nationwide $3,660 $5,437
Progressive $5,437 $6,064
State Farm $5,799 $7,478
Travelers $5,600 $6,648
USAA $7,083 $8,444

Cheapest Johnstown, NY Car Insurance for Seniors

Take a look at Johnstown, 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 Johnstown, 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 $2,980 $2,980
Nationwide $1,954 $1,954
Progressive $1,243 $1,266
State Farm $1,717 $1,717
Travelers $2,229 $2,395
USAA $1,564 $1,560

Cheapest Johnstown, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,607
GEICO $3,023
Liberty Mutual $7,023
Nationwide $4,589
Progressive $2,832
State Farm $3,287
Travelers $3,662
USAA $4,379

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Cheapest Johnstown, NY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Johnstown, 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 $4,278 $4,523
Nationwide $2,730 $2,730
Progressive $2,628 $2,628
State Farm $3,028 $3,248
Travelers $3,389 $3,389
USAA $3,304 $3,370

The Best Cheap Car Insurance Companies in Johnstown, NY

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

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

Insurance Company Average Annual Rates
Allstate $3,709
GEICO $1,904
Liberty Mutual $4,400
Nationwide $2,730
Progressive $2,628
State Farm $3,138
Travelers $3,389
USAA $3,337

Category Winners: Cheapest Car Insurance in Johnstown, New York

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

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

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

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

Insurance Company Low Medium High
Allstate $3,525 $3,698 $3,903
GEICO $1,793 $1,896 $2,021
Liberty Mutual $4,217 $4,385 $4,598
Nationwide $2,584 $2,711 $2,895
Progressive $2,497 $2,615 $2,773
State Farm $2,976 $3,156 $3,282
Travelers $3,226 $3,359 $3,582
USAA $3,244 $3,322 $3,445

What affects car insurance rates in Johnstown, New York?

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

Commute Time in Johnstown

The more time you spend in your car the higher the risk of an accident. The average commute length in Johnstown, NY is 18.5 minutes according to City-Data.

Compare Car Insurance Quotes in Johnstown, NY

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

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