Best Schroon Lake, NY Car Insurance in 2025
Car insurance in Schroon Lake, NY averages $257 a month. Schroon Lake, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Schroon Lake car insurance rates, compare quotes from the top car insurance companies in Schroon Lake, NY.
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Table of Contents
Table of Contents
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Melanie Musson
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Jeffrey Manola
Updated December 2025
- The cheapest car insurance company in Schroon Lake is Geico
- Average car insurance rates in Schroon Lake, NY after a DUI are $4,066/year
- The cheapest car insurance company in Schroon Lake for teen drivers is Geico
If you need to buy Schroon Lake, New York car insurance, the options can be confusing. Everything you need to know about car insurance in Schroon Lake, NY is right here.
You’ll find Schroon Lake car insurance rates, the cheapest Schroon Lake, NY car insurance companies, and information on New York car insurance laws. You can also compare Schroon Lake, New York car insurance rates to New Rochelle car insurance rates, Albany car insurance rates, and Syracuse car insurance rates.
Ready to find affordable Schroon Lake, NY car insurance today? Enter your ZIP code for fast, free Schroon Lake car insurance quotes.
Cheapest Schroon Lake, NY Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Schroon Lake, NY car insurance rates? Every Schroon Lake, 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 | $2,271 | $2,151 | $2,127 | $2,166 | $6,563 | $7,048 | $2,275 | $2,312 |
| Geico | $1,383 | $1,333 | $1,346 | $1,326 | $2,887 | $4,213 | $1,248 | $1,285 |
| Liberty Mutual | $3,372 | $3,372 | $3,142 | $3,142 | $6,550 | $10,619 | $3,372 | $3,582 |
| Nationwide | $1,958 | $1,958 | $1,852 | $1,852 | $3,416 | $5,065 | $1,958 | $2,480 |
| Progressive | $1,629 | $1,527 | $1,308 | $1,329 | $5,584 | $6,233 | $2,116 | $2,075 |
| State Farm | $2,075 | $2,075 | $1,803 | $1,803 | $6,017 | $7,780 | $2,275 | $2,413 |
| Travelers | $2,463 | $2,480 | $2,226 | $2,387 | $5,512 | $6,470 | $2,608 | $2,715 |
| 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 Schroon Lake, NY
Every driver must carry the minimum car insurance in Schroon Lake, 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 Schroon Lake, NY Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Schroon Lake, NY. Compare credit history car insurance rates in Schroon Lake from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,800 | $2,833 | $2,459 |
| Geico | $2,352 | $1,729 | $1,551 |
| Liberty Mutual | $6,486 | $4,253 | $3,193 |
| Nationwide | $2,567 | $2,567 | $2,567 |
| Progressive | $4,293 | $2,238 | $1,645 |
| State Farm | $4,631 | $2,904 | $2,305 |
| Travelers | $4,609 | $2,920 | $2,544 |
| USAA | $4,423 | $2,195 | $1,945 |
Cheapest Schroon Lake, 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 Schroon Lake, NY to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,856 | $2,856 | $4,153 | $3,592 |
| Geico | $1,482 | $1,615 | $2,931 | $1,482 |
| Liberty Mutual | $3,723 | $3,723 | $7,405 | $3,723 |
| Nationwide | $1,974 | $1,974 | $4,305 | $2,018 |
| Progressive | $2,651 | $2,651 | $2,933 | $2,666 |
| State Farm | $3,129 | $3,129 | $3,431 | $3,431 |
| Travelers | $2,891 | $3,575 | $3,626 | $3,338 |
| USAA | $2,530 | $2,572 | $3,744 | $2,572 |
Cheapest Schroon Lake, NY Car Insurance for Teen Drivers
Teen car insurance in Schroon Lake, NY can be expensive. Take a look at rates from the top car insurance companies in Schroon Lake for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,563 | $7,048 |
| Geico | $2,887 | $4,213 |
| Liberty Mutual | $6,550 | $10,619 |
| Nationwide | $3,416 | $5,065 |
| Progressive | $5,584 | $6,233 |
| State Farm | $6,017 | $7,780 |
| Travelers | $5,512 | $6,470 |
| USAA | $6,012 | $7,189 |
Cheapest Schroon Lake, NY Car Insurance for Seniors
Take a look at Schroon Lake, NY senior car insurance rates 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 | $2,127 | $2,166 |
| Geico | $1,346 | $1,326 |
| Liberty Mutual | $3,142 | $3,142 |
| Nationwide | $1,852 | $1,852 |
| Progressive | $1,308 | $1,329 |
| State Farm | $1,803 | $1,803 |
| Travelers | $2,226 | $2,387 |
| USAA | $1,346 | $1,345 |
Cheapest Schroon Lake, NY Car Insurance Rates After a DUI
A DUI in Schroon Lake, NY increases car insurance rates. Compare Schroon Lake, New York DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,153 |
| Geico | $2,931 |
| Liberty Mutual | $7,405 |
| Nationwide | $4,305 |
| Progressive | $2,933 |
| State Farm | $3,431 |
| Travelers | $3,626 |
| USAA | $3,744 |
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Cheapest Schroon Lake, NY Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Schroon Lake, 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 | $3,319 | $3,409 |
| Geico | $1,822 | $1,933 |
| Liberty Mutual | $4,514 | $4,774 |
| Nationwide | $2,567 | $2,567 |
| Progressive | $2,725 | $2,725 |
| State Farm | $3,166 | $3,394 |
| Travelers | $3,358 | $3,358 |
| USAA | $2,826 | $2,883 |
The Best Cheap Car Insurance Companies in Schroon Lake, NY
Take a look at a side-by-side comparison of the top car insurance companies in Schroon Lake, NY to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,364 |
| Geico | $1,878 |
| Liberty Mutual | $4,644 |
| Nationwide | $2,567 |
| Progressive | $2,725 |
| State Farm | $3,280 |
| Travelers | $3,358 |
| USAA | $2,854 |
Category Winners: Cheapest Car Insurance in Schroon Lake, New York
Find the cheapest car insurance companies in Schroon Lake, NY for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Progressive |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Geico |
| With 1 Speeding Violation | Geico |
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Cheapest Schroon Lake, NY Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Schroon Lake car insurance rates. Find the cheapest Schroon Lake, NY car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,197 | $3,354 | $3,542 |
| Geico | $1,785 | $1,872 | $1,976 |
| Liberty Mutual | $4,456 | $4,628 | $4,848 |
| Nationwide | $2,432 | $2,549 | $2,722 |
| Progressive | $2,596 | $2,712 | $2,867 |
| State Farm | $3,131 | $3,297 | $3,413 |
| Travelers | $3,216 | $3,331 | $3,526 |
| USAA | $2,786 | $2,844 | $2,933 |
What affects car insurance rates in Schroon Lake, New York?
What factors can have an impact on Schroon Lake, NY car insurance? There are several reasons why Schroon Lake car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Schroon Lake, New York.
Commute Time in Schroon Lake
The more time you spend in your car the higher the risk of an accident. The average commute length in Schroon Lake, NY is 16.0 minutes according to City-Data.
Compare Car Insurance Quotes in Schroon Lake, NY
Ready to find affordable Schroon Lake, New York car insurance today? Enter your ZIP code for fast, free Schroon Lake, NY car insurance quotes.
Frequently Asked Questions
How can I compare car insurance rates in Schroon Lake, NY?
To compare car insurance rates in Schroon Lake, NY, you have a few options. You can contact individual insurance companies directly and request quotes. Additionally, you can use online comparison tools that provide multiple quotes from different insurers. These tools typically require you to provide some personal information and details about your vehicle and driving history to generate accurate quotes.
What factors affect car insurance rates in Schroon Lake, NY?
Car insurance rates in Schroon Lake, NY, are influenced by several factors. Common factors include your driving record, age, gender, marital status, type of vehicle you drive, your credit history, and the coverage options you choose. Additionally, factors like the frequency of car thefts and accidents in Schroon Lake, NY, can impact insurance rates in the area.
Are car insurance rates higher in Schroon Lake, NY, compared to other areas?
Car insurance rates can vary depending on the location, and Schroon Lake, NY, may have different rates compared to other areas. Insurance companies consider factors like population density, crime rates, and accident statistics when determining rates for a specific area. It’s recommended to compare rates from multiple insurers to get a better understanding of how Schroon Lake, NY, compares to other areas.
Are there any discounts available for car insurance in Schroon Lake, NY?
Yes, many insurance companies offer various discounts that can help you save on car insurance in Schroon Lake, NY. Common discounts include safe driver discounts, multi-policy discounts (if you have multiple policies with the same insurer), good student discounts, low-mileage discounts, and discounts for having safety features installed in your vehicle. It’s worth checking with insurance providers to see which discounts you may qualify for.
How can I lower my car insurance rates in Schroon Lake, NY?
There are several strategies you can consider to lower your car insurance rates in Schroon Lake, NY. Maintaining a clean driving record, bundling multiple policies with the same insurer, opting for higher deductibles, and taking advantage of available discounts are some effective methods. You may also want to compare quotes from different insurance companies periodically to ensure you’re getting the best rate.
Is it necessary to have full coverage car insurance in Schroon Lake, NY?
Full coverage car insurance is not legally required in Schroon Lake, NY. However, if you have a loan or lease on your vehicle, your lender or leasing company may require you to have comprehensive and collision coverage. Even if it’s not mandatory, having full coverage can provide added protection for your vehicle in case of accidents, theft, or other covered events. It’s essential to evaluate your personal circumstances and financial situation when deciding on the level of coverage you need.
What should I do if I can’t afford car insurance in Schroon Lake, NY?
If you’re struggling to afford car insurance in Schroon Lake, NY, there are a few options you can explore. First, consider adjusting your coverage limits or deductibles to lower your premium. You can also shop around and compare quotes from multiple insurers to find more affordable options. Additionally, some states offer low-cost or subsidized insurance programs for individuals with limited incomes. Contact your state’s insurance department or a local insurance agent to inquire about such programs.
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