Compare Stillwater, NY Car Insurance Rates (2021)

Car insurance in Stillwater, NY averages $261 a month. Stillwater, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Stillwater car insurance rates, compare quotes from the top car insurance companies in Stillwater, 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 Stillwater for teen drivers is GEICO
  • Average car insurance rates in Stillwater, NY are $3,129/year
  • Average car insurance rates in Stillwater, NY after a DUI are $4,166/year

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

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

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

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

How do age, gender, and marital status affect Stillwater, NY car insurance rates? Every Stillwater, 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 Stillwater, 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 $1,485 $1,431 $1,447 $1,426 $3,183 $4,707 $1,336 $1,376
Liberty Mutual $3,278 $3,278 $3,057 $3,057 $6,397 $10,354 $3,278 $3,474
Nationwide $2,043 $2,043 $1,930 $1,930 $3,658 $5,430 $2,043 $2,600
Progressive $1,615 $1,508 $1,298 $1,316 $5,713 $6,383 $2,108 $2,062
State Farm $1,890 $1,890 $1,651 $1,651 $5,661 $7,309 $2,081 $2,216
Travelers $2,320 $2,337 $2,140 $2,290 $5,513 $6,580 $2,470 $2,571
USAA $1,545 $1,514 $1,405 $1,400 $6,305 $7,499 $1,967 $2,164

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Minimum Car Insurance in Stillwater, NY

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,294 $3,126 $2,707
GEICO $2,568 $1,886 $1,693
Liberty Mutual $6,313 $4,141 $3,111
Nationwide $2,710 $2,710 $2,710
Progressive $4,308 $2,268 $1,674
State Farm $4,297 $2,695 $2,139
Travelers $4,483 $2,859 $2,491
USAA $4,567 $2,311 $2,047

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

Annual Stillwater, 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 $1,593 $1,737 $3,272 $1,593
Liberty Mutual $3,600 $3,600 $7,285 $3,600
Nationwide $2,081 $2,081 $4,549 $2,128
Progressive $2,675 $2,675 $2,961 $2,691
State Farm $2,897 $2,897 $3,190 $3,190
Travelers $2,791 $3,503 $3,555 $3,262
USAA $2,635 $2,679 $3,907 $2,679

Cheapest Stillwater, NY Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,354 $7,952
GEICO $3,183 $4,707
Liberty Mutual $6,397 $10,354
Nationwide $3,658 $5,430
Progressive $5,713 $6,383
State Farm $5,661 $7,309
Travelers $5,513 $6,580
USAA $6,305 $7,499

Cheapest Stillwater, NY Car Insurance for Seniors

Take a look at Stillwater, 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 Stillwater, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,314 $2,358
GEICO $1,447 $1,426
Liberty Mutual $3,057 $3,057
Nationwide $1,930 $1,930
Progressive $1,298 $1,316
State Farm $1,651 $1,651
Travelers $2,140 $2,290
USAA $1,405 $1,400

Cheapest Stillwater, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,607
GEICO $3,272
Liberty Mutual $7,285
Nationwide $4,549
Progressive $2,961
State Farm $3,190
Travelers $3,555
USAA $3,907

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Cheapest Stillwater, NY Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,659 $3,759
GEICO $1,988 $2,110
Liberty Mutual $4,396 $4,647
Nationwide $2,710 $2,710
Progressive $2,750 $2,750
State Farm $2,939 $3,148
Travelers $3,278 $3,278
USAA $2,945 $3,004

The Best Cheap Car Insurance Companies in Stillwater, NY

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

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

Insurance Company Average Annual Rates
Allstate $3,709
GEICO $2,049
Liberty Mutual $4,522
Nationwide $2,710
Progressive $2,750
State Farm $3,044
Travelers $3,278
USAA $2,975

Category Winners: Cheapest Car Insurance in Stillwater, New York

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

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

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

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

Insurance Company Low Medium High
Allstate $3,525 $3,698 $3,903
GEICO $1,925 $2,042 $2,179
Liberty Mutual $4,304 $4,504 $4,756
Nationwide $2,557 $2,691 $2,881
Progressive $2,617 $2,740 $2,894
State Farm $2,878 $3,062 $3,191
Travelers $3,121 $3,252 $3,460
USAA $2,887 $2,961 $3,077

What affects car insurance rates in Stillwater, New York?

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

Commute Time in Stillwater

The more time you spend in your car the higher the risk of an accident. The average commute length in Stillwater, NY is 29.6 minutes according to City-Data.

Compare Car Insurance Quotes in Stillwater, NY

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

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