Best Rhinebeck, NY Car Insurance in 2025
Car insurance in Rhinebeck, NY averages $344 a month. Rhinebeck, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Rhinebeck car insurance rates, compare quotes from the top car insurance companies in Rhinebeck, NY.
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Table of Contents
Table of Contents
Former Licensed Insurance Producer
Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax...
Laura Berry
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Zach Fagiano
Updated October 2024
- Average car insurance rates in Rhinebeck, NY after a DUI are $5,533/year
- The cheapest car insurance company in Rhinebeck is Geico
- Average car insurance rates in Rhinebeck, NY are $4,125/year
If you need to buy Rhinebeck, New York car insurance, the options can be confusing. Everything you need to know about car insurance in Rhinebeck, NY is right here.
You’ll find Rhinebeck car insurance rates, the cheapest Rhinebeck, NY car insurance companies, and information on New York car insurance laws. You can also compare Rhinebeck, New York car insurance rates to New York City car insurance rates, Albany car insurance rates, and Rochester car insurance rates.
Ready to find affordable Rhinebeck, NY car insurance today? Enter your ZIP code for fast, free Rhinebeck car insurance quotes.
Cheapest Rhinebeck, NY Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Rhinebeck, NY car insurance rates? Every Rhinebeck, New York car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $2,947 | $2,749 | $2,768 | $2,797 | $8,455 | $9,031 | $2,874 | $2,870 |
| Geico | $1,731 | $1,666 | $1,683 | $1,659 | $3,685 | $5,423 | $1,559 | $1,602 |
| Liberty Mutual | $4,872 | $4,872 | $4,534 | $4,534 | $9,508 | $15,455 | $4,872 | $5,180 |
| Nationwide | $3,057 | $3,057 | $2,878 | $2,878 | $5,552 | $8,338 | $3,057 | $3,936 |
| Progressive | $2,051 | $1,915 | $1,643 | $1,670 | $6,886 | $7,644 | $2,636 | $2,556 |
| State Farm | $2,905 | $2,905 | $2,534 | $2,534 | $8,513 | $10,949 | $3,194 | $3,363 |
| Travelers | $2,814 | $2,834 | $2,542 | $2,726 | $6,354 | $7,501 | $2,978 | $3,098 |
| USAA | $1,900 | $1,867 | $1,719 | $1,723 | $7,666 | $9,135 | $2,437 | $2,695 |
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Minimum Car Insurance in Rhinebeck, NY
Every driver must carry the minimum car insurance required by the state in Rhinebeck, NY. Take a look at the New York car insurance requirements.
| 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 Rhinebeck, NY Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Rhinebeck, NY. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Rhinebeck from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,220 | $3,610 | $3,104 |
| Geico | $2,977 | $2,187 | $1,963 |
| Liberty Mutual | $9,426 | $6,156 | $4,604 |
| Nationwide | $4,094 | $4,094 | $4,094 |
| Progressive | $5,372 | $2,749 | $2,004 |
| State Farm | $6,511 | $4,083 | $3,241 |
| Travelers | $5,322 | $3,343 | $2,903 |
| USAA | $5,624 | $2,818 | $2,486 |
Cheapest Rhinebeck, NY Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Rhinebeck, NY to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,667 | $3,667 | $5,312 | $4,600 |
| Geico | $1,853 | $2,021 | $3,777 | $1,853 |
| Liberty Mutual | $5,377 | $5,377 | $10,782 | $5,377 |
| Nationwide | $3,097 | $3,097 | $7,011 | $3,171 |
| Progressive | $3,283 | $3,283 | $3,632 | $3,303 |
| State Farm | $4,393 | $4,393 | $4,831 | $4,831 |
| Travelers | $3,315 | $4,109 | $4,166 | $3,835 |
| USAA | $3,239 | $3,291 | $4,750 | $3,291 |
Cheapest Rhinebeck, NY Car Insurance for Teen Drivers
Teen car insurance in Rhinebeck, NY can be expensive. Take a look at rates from the top car insurance companies in Rhinebeck for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,455 | $9,031 |
| Geico | $3,685 | $5,423 |
| Liberty Mutual | $9,508 | $15,455 |
| Nationwide | $5,552 | $8,338 |
| Progressive | $6,886 | $7,644 |
| State Farm | $8,513 | $10,949 |
| Travelers | $6,354 | $7,501 |
| USAA | $7,666 | $9,135 |
Cheapest Rhinebeck, NY Car Insurance for Seniors
Take a look at Rhinebeck, NY rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,768 | $2,797 |
| Geico | $1,683 | $1,659 |
| Liberty Mutual | $4,534 | $4,534 |
| Nationwide | $2,878 | $2,878 |
| Progressive | $1,643 | $1,670 |
| State Farm | $2,534 | $2,534 |
| Travelers | $2,542 | $2,726 |
| USAA | $1,719 | $1,723 |
Cheapest Rhinebeck, NY Car Insurance Rates After a DUI
A DUI in Rhinebeck, NY increases car insurance rates. Compare Rhinebeck, New York car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,312 |
| Geico | $3,777 |
| Liberty Mutual | $10,782 |
| Nationwide | $7,011 |
| Progressive | $3,632 |
| State Farm | $4,831 |
| Travelers | $4,166 |
| USAA | $4,750 |
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Cheapest Rhinebeck, NY Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Rhinebeck, NY by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,252 | $4,371 |
| Geico | $2,306 | $2,446 |
| Liberty Mutual | $6,539 | $6,918 |
| Nationwide | $4,094 | $4,094 |
| Progressive | $3,375 | $3,375 |
| State Farm | $4,447 | $4,777 |
| Travelers | $3,856 | $3,856 |
| USAA | $3,606 | $3,679 |
The Best Cheap Car Insurance Companies in Rhinebeck, NY
Take a look at a side-by-side comparison of the top car insurance companies in Rhinebeck, NY to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,312 |
| Geico | $2,376 |
| Liberty Mutual | $6,729 |
| Nationwide | $4,094 |
| Progressive | $3,375 |
| State Farm | $4,612 |
| Travelers | $3,856 |
| USAA | $3,643 |
Category Winners: Cheapest Car Insurance in Rhinebeck, New York
Find the cheapest car insurance companies in Rhinebeck, NY for each category right here.
| 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 Rhinebeck, NY Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Rhinebeck car insurance rates. Find the cheapest Rhinebeck, NY car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,002 | $4,291 | $4,642 |
| Geico | $2,243 | $2,367 | $2,518 |
| Liberty Mutual | $6,415 | $6,707 | $7,064 |
| Nationwide | $3,868 | $4,064 | $4,350 |
| Progressive | $3,195 | $3,354 | $3,577 |
| State Farm | $4,380 | $4,637 | $4,819 |
| Travelers | $3,669 | $3,819 | $4,080 |
| USAA | $3,532 | $3,624 | $3,772 |
What affects car insurance rates in Rhinebeck, New York?
What are the factors that affect car insurance rates in Rhinebeck, NY? There are several reasons why Rhinebeck car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Rhinebeck, New York.
Commute Time in Rhinebeck
The more time you spend in your car the higher the risk of an accident. The average commute length in Rhinebeck, NY is 35.3 minutes according to City-Data.
Compare Car Insurance Quotes in Rhinebeck, NY
Ready to find affordable Rhinebeck, New York car insurance today? Enter your ZIP code for fast, free Rhinebeck, NY car insurance quotes.
Frequently Asked Questions
How much does car insurance cost in Rhinebeck, NY?
On average, car insurance in Rhinebeck, NY costs around $344 per month.
What are the car insurance requirements in Rhinebeck, NY?
The minimum car insurance requirements in Rhinebeck, NY are 25/50/10, which means you need at least $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $10,000 in property damage liability coverage.
Do I need full coverage insurance if my car is financed?
If your car is financed, the lender may require you to have full coverage insurance, which includes comprehensive and collision coverage in addition to the state’s minimum liability coverage.
How can I find cheap car insurance rates in Rhinebeck, NY?
To find cheap car insurance rates in Rhinebeck, NY, it’s recommended to compare quotes from different insurance companies. You can use our free car insurance comparison tool to easily compare rates from the top car insurance companies in Rhinebeck.
How do age, gender, and marital status affect car insurance rates in Rhinebeck, NY?
Car insurance rates in Rhinebeck, NY can be affected by age, gender, and marital status. Every insurance company weighs these factors differently. Generally, married individuals and older drivers tend to get lower rates compared to young single drivers.
What is the minimum car insurance coverage required in Rhinebeck, NY?
The minimum car insurance coverage required in Rhinebeck, NY includes $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $10,000 in property damage liability coverage.
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