Compare Potsdam, NY Car Insurance Rates (2021)

Car insurance in Potsdam, NY averages $255 a month. Potsdam, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Potsdam car insurance rates, compare quotes from the top car insurance companies in Potsdam, 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 Potsdam is GEICO
  • The cheapest car insurance company in Potsdam for teen drivers is GEICO
  • Average car insurance rates in Potsdam, NY are $3,064/year

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

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

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

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

How do age, gender, and marital status affect Potsdam, NY car insurance rates? Every Potsdam, 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 Potsdam, 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 $2,390 $2,267 $2,223 $2,260 $6,737 $7,224 $2,416 $2,455
GEICO $1,326 $1,278 $1,290 $1,271 $2,755 $4,009 $1,198 $1,231
Liberty Mutual $3,372 $3,372 $3,142 $3,142 $6,550 $10,619 $3,372 $3,582
Nationwide $2,035 $2,035 $1,924 $1,924 $3,535 $5,249 $2,035 $2,579
Progressive $1,498 $1,428 $1,232 $1,241 $4,794 $5,363 $1,923 $1,884
State Farm $2,113 $2,113 $1,836 $1,836 $6,109 $7,899 $2,316 $2,454
Travelers $2,399 $2,441 $2,174 $2,347 $5,420 $6,417 $2,552 $2,676
USAA $1,491 $1,463 $1,346 $1,345 $6,012 $7,189 $1,899 $2,090

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Minimum Car Insurance in Potsdam, NY

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

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

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

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

Insurance Company Poor Fair Good
Allstate $4,978 $2,946 $2,566
GEICO $2,248 $1,653 $1,483
Liberty Mutual $6,486 $4,253 $3,193
Nationwide $2,664 $2,664 $2,664
Progressive $3,807 $1,991 $1,463
State Farm $4,708 $2,952 $2,343
Travelers $4,522 $2,877 $2,510
USAA $4,423 $2,195 $1,945

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

Annual Potsdam, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,988 $2,988 $4,286 $3,724
GEICO $1,420 $1,547 $2,792 $1,420
Liberty Mutual $3,723 $3,723 $7,405 $3,723
Nationwide $2,044 $2,044 $4,480 $2,090
Progressive $2,359 $2,359 $2,591 $2,372
State Farm $3,182 $3,182 $3,487 $3,487
Travelers $2,851 $3,513 $3,564 $3,285
USAA $2,530 $2,572 $3,744 $2,572

Cheapest Potsdam, NY Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,737 $7,224
GEICO $2,755 $4,009
Liberty Mutual $6,550 $10,619
Nationwide $3,535 $5,249
Progressive $4,794 $5,363
State Farm $6,109 $7,899
Travelers $5,420 $6,417
USAA $6,012 $7,189

Cheapest Potsdam, NY Car Insurance for Seniors

Take a look at Potsdam, 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 Potsdam, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,223 $2,260
GEICO $1,290 $1,271
Liberty Mutual $3,142 $3,142
Nationwide $1,924 $1,924
Progressive $1,232 $1,241
State Farm $1,836 $1,836
Travelers $2,174 $2,347
USAA $1,346 $1,345

Cheapest Potsdam, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,286
GEICO $2,792
Liberty Mutual $7,405
Nationwide $4,480
Progressive $2,591
State Farm $3,487
Travelers $3,564
USAA $3,744

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Cheapest Potsdam, NY Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,450 $3,543
GEICO $1,742 $1,847
Liberty Mutual $4,514 $4,774
Nationwide $2,664 $2,664
Progressive $2,420 $2,420
State Farm $3,218 $3,451
Travelers $3,303 $3,303
USAA $2,826 $2,883

The Best Cheap Car Insurance Companies in Potsdam, NY

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

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

Insurance Company Average Annual Rates
Allstate $3,497
GEICO $1,795
Liberty Mutual $4,644
Nationwide $2,664
Progressive $2,420
State Farm $3,334
Travelers $3,303
USAA $2,854

Category Winners: Cheapest Car Insurance in Potsdam, New York

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

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

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

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

Insurance Company Low Medium High
Allstate $3,329 $3,487 $3,674
GEICO $1,700 $1,788 $1,897
Liberty Mutual $4,456 $4,628 $4,848
Nationwide $2,536 $2,647 $2,811
Progressive $2,314 $2,410 $2,537
State Farm $3,184 $3,351 $3,469
Travelers $3,155 $3,274 $3,481
USAA $2,786 $2,844 $2,933

What affects car insurance rates in Potsdam, New York?

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

Commute Time in Potsdam

The more time you spend in your car the higher the risk of an accident. The average commute length in Potsdam, NY is 11.6 minutes according to City-Data.

Traffic in Potsdam

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Potsdam, NY traffic data from INRIX ranks Potsdam as the 308th-most congested in the world.

Compare Car Insurance Quotes in Potsdam, NY

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