Compare Schoharie, NY Car Insurance Rates (2021)

Car insurance in Schoharie, NY averages $283 a month. Schoharie, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Schoharie car insurance rates, compare quotes from the top car insurance companies in Schoharie, 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 Schoharie is GEICO
  • Average car insurance rates in Schoharie, NY after a DUI are $4,534/year
  • Average car insurance rates in Schoharie, NY are $3,397/year

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

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

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

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

How do age, gender, and marital status affect Schoharie, NY car insurance rates? Every Schoharie, 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 Schoharie, 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 $1,606 $1,546 $1,561 $1,538 $3,362 $4,907 $1,450 $1,489
Liberty Mutual $4,244 $4,244 $3,949 $3,949 $8,248 $13,407 $4,244 $4,515
Nationwide $2,068 $2,068 $1,954 $1,954 $3,660 $5,437 $2,068 $2,629
Progressive $1,587 $1,490 $1,274 $1,296 $5,440 $6,079 $2,065 $2,031
State Farm $1,997 $1,997 $1,738 $1,738 $5,834 $7,534 $2,192 $2,323
Travelers $2,553 $2,583 $2,323 $2,497 $5,872 $6,977 $2,710 $2,829
USAA $1,750 $1,722 $1,576 $1,583 $6,993 $8,362 $2,243 $2,480

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Minimum Car Insurance in Schoharie, NY

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,294 $3,126 $2,707
GEICO $2,734 $2,010 $1,803
Liberty Mutual $8,187 $5,354 $4,009
Nationwide $2,730 $2,730 $2,730
Progressive $4,181 $2,186 $1,607
State Farm $4,474 $2,806 $2,227
Travelers $4,872 $3,079 $2,678
USAA $5,185 $2,565 $2,265

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

Annual Schoharie, 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 $1,719 $1,873 $3,419 $1,719
Liberty Mutual $4,698 $4,698 $9,308 $4,698
Nationwide $2,094 $2,094 $4,589 $2,141
Progressive $2,585 $2,585 $2,861 $2,600
State Farm $3,021 $3,021 $3,317 $3,317
Travelers $3,041 $3,776 $3,831 $3,524
USAA $2,972 $3,020 $4,343 $3,020

Cheapest Schoharie, NY Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,354 $7,952
GEICO $3,362 $4,907
Liberty Mutual $8,248 $13,407
Nationwide $3,660 $5,437
Progressive $5,440 $6,079
State Farm $5,834 $7,534
Travelers $5,872 $6,977
USAA $6,993 $8,362

Cheapest Schoharie, NY Car Insurance for Seniors

Take a look at Schoharie, 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 Schoharie, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,314 $2,358
GEICO $1,561 $1,538
Liberty Mutual $3,949 $3,949
Nationwide $1,954 $1,954
Progressive $1,274 $1,296
State Farm $1,738 $1,738
Travelers $2,323 $2,497
USAA $1,576 $1,583

Cheapest Schoharie, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,607
GEICO $3,419
Liberty Mutual $9,308
Nationwide $4,589
Progressive $2,861
State Farm $3,317
Travelers $3,831
USAA $4,343

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Cheapest Schoharie, NY Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,659 $3,759
GEICO $2,118 $2,247
Liberty Mutual $5,686 $6,015
Nationwide $2,730 $2,730
Progressive $2,658 $2,658
State Farm $3,058 $3,279
Travelers $3,543 $3,543
USAA $3,305 $3,372

The Best Cheap Car Insurance Companies in Schoharie, NY

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

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

Insurance Company Average Annual Rates
Allstate $3,709
GEICO $2,182
Liberty Mutual $5,850
Nationwide $2,730
Progressive $2,658
State Farm $3,169
Travelers $3,543
USAA $3,339

Category Winners: Cheapest Car Insurance in Schoharie, New York

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

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

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

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

Insurance Company Low Medium High
Allstate $3,525 $3,698 $3,903
GEICO $2,072 $2,173 $2,302
Liberty Mutual $5,608 $5,832 $6,111
Nationwide $2,584 $2,711 $2,895
Progressive $2,531 $2,644 $2,799
State Farm $3,016 $3,186 $3,304
Travelers $3,368 $3,508 $3,752
USAA $3,250 $3,324 $3,442

What affects car insurance rates in Schoharie, New York?

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

Commute Time in Schoharie

The more time you spend in your car the higher the risk of an accident. The average commute length in Schoharie, NY is 20.8 minutes according to City-Data.

Compare Car Insurance Quotes in Schoharie, NY

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