Compare Stephentown, NY Car Insurance Rates (2021)

Car insurance in Stephentown, NY averages $273 a month. Stephentown, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Stephentown car insurance rates, compare quotes from the top car insurance companies in Stephentown, 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

  • Average car insurance rates in Stephentown, NY are $3,277/year
  • The cheapest car insurance company in Stephentown is GEICO
  • The cheapest car insurance company in Stephentown for teen drivers is GEICO

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

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

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

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

How do age, gender, and marital status affect Stephentown, NY car insurance rates? Every Stephentown, 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 Stephentown, 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 $2,482 $2,345 $2,330 $2,374 $7,384 $7,982 $2,462 $2,491
GEICO $1,510 $1,455 $1,470 $1,449 $3,192 $4,685 $1,361 $1,401
Liberty Mutual $3,624 $3,624 $3,377 $3,377 $7,078 $11,473 $3,624 $3,844
Nationwide $2,096 $2,096 $1,980 $1,980 $3,734 $5,548 $2,096 $2,667
Progressive $1,790 $1,660 $1,417 $1,447 $6,275 $6,978 $2,327 $2,270
State Farm $1,896 $1,896 $1,652 $1,652 $5,586 $7,216 $2,083 $2,214
Travelers $2,574 $2,599 $2,351 $2,523 $5,975 $7,109 $2,736 $2,854
USAA $1,571 $1,543 $1,427 $1,426 $6,338 $7,543 $2,007 $2,213

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Minimum Car Insurance in Stephentown, NY

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,324 $3,145 $2,725
GEICO $2,588 $1,902 $1,707
Liberty Mutual $6,992 $4,580 $3,436
Nationwide $2,775 $2,775 $2,775
Progressive $4,784 $2,469 $1,808
State Farm $4,269 $2,678 $2,126
Travelers $4,924 $3,125 $2,722
USAA $4,627 $2,334 $2,064

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

Annual Stephentown, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,152 $3,152 $4,630 $3,990
GEICO $1,619 $1,765 $3,259 $1,619
Liberty Mutual $3,990 $3,990 $8,041 $3,990
Nationwide $2,128 $2,128 $4,667 $2,176
Progressive $2,935 $2,935 $3,260 $2,953
State Farm $2,882 $2,882 $3,167 $3,167
Travelers $3,074 $3,830 $3,884 $3,573
USAA $2,670 $2,713 $3,937 $2,713

Cheapest Stephentown, NY Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,384 $7,982
GEICO $3,192 $4,685
Liberty Mutual $7,078 $11,473
Nationwide $3,734 $5,548
Progressive $6,275 $6,978
State Farm $5,586 $7,216
Travelers $5,975 $7,109
USAA $6,338 $7,543

Cheapest Stephentown, NY Car Insurance for Seniors

Take a look at Stephentown, 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 Stephentown, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,330 $2,374
GEICO $1,470 $1,449
Liberty Mutual $3,377 $3,377
Nationwide $1,980 $1,980
Progressive $1,417 $1,447
State Farm $1,652 $1,652
Travelers $2,351 $2,523
USAA $1,427 $1,426

Cheapest Stephentown, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,630
GEICO $3,259
Liberty Mutual $8,041
Nationwide $4,667
Progressive $3,260
State Farm $3,167
Travelers $3,884
USAA $3,937

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Cheapest Stephentown, NY Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,681 $3,782
GEICO $2,004 $2,126
Liberty Mutual $4,863 $5,142
Nationwide $2,775 $2,775
Progressive $3,020 $3,020
State Farm $2,920 $3,129
Travelers $3,590 $3,590
USAA $2,978 $3,038

Cheapest Stephentown, NY Car Insurance Rates by ZIP Code

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

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

ZIP Code Average Annual Rates
12168 $3,332
12169 $3,329

The Best Cheap Car Insurance Companies in Stephentown, NY

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

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

Insurance Company Average Annual Rates
Allstate $3,731
GEICO $2,065
Liberty Mutual $5,003
Nationwide $2,775
Progressive $3,020
State Farm $3,024
Travelers $3,590
USAA $3,008

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Category Winners: Cheapest Car Insurance in Stephentown, New York

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

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

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

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

Insurance Company Low Medium High
Allstate $3,548 $3,720 $3,926
GEICO $1,953 $2,059 $2,184
Liberty Mutual $4,785 $4,986 $5,237
Nationwide $2,614 $2,754 $2,955
Progressive $2,865 $3,003 $3,193
State Farm $2,878 $3,040 $3,154
Travelers $3,419 $3,560 $3,792
USAA $2,917 $2,994 $3,115

Compare Car Insurance Quotes in Stephentown, NY

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

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