Compare Schenectady, NY Car Insurance Rates (2021)

Car insurance in Schenectady, NY averages $276 a month. Schenectady, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Schenectady car insurance rates, compare quotes from the top car insurance companies in Schenectady, NY.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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

  • The cheapest car insurance company in Schenectady is GEICO
  • The cheapest ZIP code in Schenectady is 12309
  • The cheapest car insurance company in Schenectady for teen drivers is GEICO

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

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

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

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

How do age, gender, and marital status affect Schenectady, NY car insurance rates? Every Schenectady, 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 Schenectady, 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 $1,530 $1,476 $1,493 $1,471 $3,309 $4,918 $1,375 $1,421
Liberty Mutual $3,474 $3,474 $3,239 $3,239 $6,794 $11,001 $3,474 $3,683
Nationwide $2,063 $2,063 $1,949 $1,949 $3,694 $5,484 $2,063 $2,626
Progressive $1,885 $1,745 $1,496 $1,521 $6,720 $7,485 $2,458 $2,393
State Farm $1,960 $1,960 $1,716 $1,716 $5,933 $7,639 $2,163 $2,299
Travelers $2,602 $2,625 $2,400 $2,573 $6,242 $7,472 $2,777 $2,895
USAA $1,570 $1,539 $1,434 $1,428 $6,408 $7,594 $2,001 $2,204

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 Schenectady, NY

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,294 $3,126 $2,707
GEICO $2,662 $1,955 $1,755
Liberty Mutual $6,702 $4,393 $3,297
Nationwide $2,736 $2,736 $2,736
Progressive $5,071 $2,633 $1,934
State Farm $4,480 $2,810 $2,230
Travelers $5,056 $3,226 $2,813
USAA $4,608 $2,365 $2,093

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

Annual Schenectady, 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 $1,645 $1,795 $3,412 $1,645
Liberty Mutual $3,817 $3,817 $7,740 $3,817
Nationwide $2,101 $2,101 $4,596 $2,147
Progressive $3,121 $3,121 $3,466 $3,141
State Farm $3,017 $3,017 $3,329 $3,329
Travelers $3,145 $3,954 $4,012 $3,682
USAA $2,676 $2,721 $3,972 $2,721

Cheapest Schenectady, NY Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,354 $7,952
GEICO $3,309 $4,918
Liberty Mutual $6,794 $11,001
Nationwide $3,694 $5,484
Progressive $6,720 $7,485
State Farm $5,933 $7,639
Travelers $6,242 $7,472
USAA $6,408 $7,594

Cheapest Schenectady, NY Car Insurance for Seniors

Take a look at Schenectady, 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 Schenectady, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,314 $2,358
GEICO $1,493 $1,471
Liberty Mutual $3,239 $3,239
Nationwide $1,949 $1,949
Progressive $1,496 $1,521
State Farm $1,716 $1,716
Travelers $2,400 $2,573
USAA $1,434 $1,428

Cheapest Schenectady, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,607
GEICO $3,412
Liberty Mutual $7,740
Nationwide $4,596
Progressive $3,466
State Farm $3,329
Travelers $4,012
USAA $3,972

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Schenectady, NY Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,659 $3,759
GEICO $2,061 $2,188
Liberty Mutual $4,664 $4,931
Nationwide $2,736 $2,736
Progressive $3,213 $3,213
State Farm $3,064 $3,283
Travelers $3,698 $3,698
USAA $2,992 $3,052

Cheapest Schenectady, NY Car Insurance Rates by ZIP Code

Schenectady car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Schenectady, NY.

Annual Car Insurance Rates by ZIP Code in Schenectady, New York

ZIP Code Average Annual Rates
12304 $3,352
12305 $3,390
12306 $3,343
12307 $3,390
12308 $3,391
12309 $3,314

The Best Cheap Car Insurance Companies in Schenectady, NY

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

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

Insurance Company Average Annual Rates
Allstate $3,709
GEICO $2,124
Liberty Mutual $4,797
Nationwide $2,736
Progressive $3,213
State Farm $3,173
Travelers $3,698
USAA $3,022

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Category Winners: Cheapest Car Insurance in Schenectady, New York

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

Best Annual Car Insurance Rates by Company in Schenectady, New York

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation GEICO

Cheapest Schenectady, NY Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $3,525 $3,698 $3,903
GEICO $2,004 $2,121 $2,248
Liberty Mutual $4,564 $4,780 $5,049
Nationwide $2,582 $2,719 $2,908
Progressive $3,057 $3,200 $3,381
State Farm $2,998 $3,193 $3,329
Travelers $3,525 $3,672 $3,899
USAA $2,922 $3,006 $3,139

What affects car insurance rates in Schenectady, New York?

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

Commute Time in Schenectady

The more time you spend in your car the higher the risk of an accident. The average commute length in Schenectady, NY is 21.3 minutes according to City-Data.

Traffic in Schenectady

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Schenectady, NY traffic data from INRIX ranks Schenectady as the 787th-most congested in the world.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in Schenectady, NY

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