Compare Oswego, NY Car Insurance Rates (2021)

Car insurance in Oswego, NY averages $265 a month. Oswego, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Oswego car insurance rates, compare quotes from the top car insurance companies in Oswego, 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 Oswego is GEICO
  • Average car insurance rates in Oswego, NY are $3,186/year
  • Average car insurance rates in Oswego, NY after a DUI are $4,254/year

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

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

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

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

How do age, gender, and marital status affect Oswego, NY car insurance rates? Every Oswego, 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 Oswego, 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 $2,417 $2,282 $2,278 $2,324 $7,301 $7,901 $2,385 $2,412
GEICO $1,363 $1,314 $1,329 $1,309 $2,890 $4,254 $1,228 $1,266
Liberty Mutual $3,631 $3,631 $3,383 $3,383 $7,065 $11,451 $3,631 $3,854
Nationwide $2,172 $2,172 $2,051 $2,051 $3,851 $5,729 $2,172 $2,765
Progressive $1,512 $1,410 $1,209 $1,229 $5,209 $5,800 $1,958 $1,909
State Farm $2,059 $2,059 $1,799 $1,799 $6,047 $7,776 $2,264 $2,385
Travelers $2,346 $2,365 $2,149 $2,302 $5,481 $6,509 $2,493 $2,597
USAA $1,561 $1,532 $1,415 $1,413 $6,324 $7,540 $1,991 $2,194

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Minimum Car Insurance in Oswego, NY

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,232 $3,086 $2,670
GEICO $2,342 $1,721 $1,544
Liberty Mutual $6,993 $4,581 $3,436
Nationwide $2,870 $2,870 $2,870
Progressive $3,987 $2,075 $1,526
State Farm $4,617 $2,900 $2,304
Travelers $4,494 $2,857 $2,489
USAA $4,621 $2,317 $2,051

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

Annual Oswego, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,082 $3,082 $4,563 $3,922
GEICO $1,463 $1,595 $2,956 $1,463
Liberty Mutual $3,994 $3,994 $8,032 $3,994
Nationwide $2,197 $2,197 $4,839 $2,247
Progressive $2,460 $2,460 $2,724 $2,475
State Farm $3,118 $3,118 $3,429 $3,429
Travelers $2,802 $3,502 $3,554 $3,263
USAA $2,655 $2,699 $3,933 $2,699

Cheapest Oswego, NY Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,301 $7,901
GEICO $2,890 $4,254
Liberty Mutual $7,065 $11,451
Nationwide $3,851 $5,729
Progressive $5,209 $5,800
State Farm $6,047 $7,776
Travelers $5,481 $6,509
USAA $6,324 $7,540

Cheapest Oswego, NY Car Insurance for Seniors

Take a look at Oswego, 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 Oswego, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,278 $2,324
GEICO $1,329 $1,309
Liberty Mutual $3,383 $3,383
Nationwide $2,051 $2,051
Progressive $1,209 $1,229
State Farm $1,799 $1,799
Travelers $2,149 $2,302
USAA $1,415 $1,413

Cheapest Oswego, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,563
GEICO $2,956
Liberty Mutual $8,032
Nationwide $4,839
Progressive $2,724
State Farm $3,429
Travelers $3,554
USAA $3,933

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Cheapest Oswego, NY Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,613 $3,712
GEICO $1,814 $1,924
Liberty Mutual $4,864 $5,143
Nationwide $2,870 $2,870
Progressive $2,530 $2,530
State Farm $3,157 $3,390
Travelers $3,280 $3,280
USAA $2,967 $3,026

The Best Cheap Car Insurance Companies in Oswego, NY

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

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

Insurance Company Average Annual Rates
Allstate $3,662
GEICO $1,869
Liberty Mutual $5,003
Nationwide $2,870
Progressive $2,530
State Farm $3,273
Travelers $3,280
USAA $2,996

Category Winners: Cheapest Car Insurance in Oswego, New York

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

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

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

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

Insurance Company Low Medium High
Allstate $3,479 $3,651 $3,857
GEICO $1,772 $1,865 $1,970
Liberty Mutual $4,802 $4,988 $5,221
Nationwide $2,716 $2,850 $3,045
Progressive $2,407 $2,518 $2,664
State Farm $3,094 $3,292 $3,435
Travelers $3,130 $3,253 $3,458
USAA $2,914 $2,983 $3,091

What affects car insurance rates in Oswego, New York?

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

Commute Time in Oswego

The more time you spend in your car the higher the risk of an accident. The average commute length in Oswego, NY is 16.5 minutes according to City-Data.

Compare Car Insurance Quotes in Oswego, NY

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

Free Car Insurance Comparison

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

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