Cheapest Car Insurance In Schenectady, NY 2025
CSAA offers the most affordable car insurance in Schenectady, with an average cost of $102 per month for basic coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for affordable car insurance in Schenectady, NY, prices can differ significantly.
CSAA stands out as the top choice for those needing the least expensive liability-only coverage. For drivers after more extensive protection, CSAA also offers the most competitive rates for full coverage. On the other hand, Erie provides the best prices for young drivers.
Cheapest Car Insurance In Schenectady, NY
Cheapest Liability-only Car Insurance In Schenectady: CSAA
CSAA offers the most affordable minimum coverage car insurance in Schenectady, with an average monthly premium of $102.
Refer to the table below to compare rates from various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $332 | $3,984 |
| Safeco | $165 | $1,980 |
| Progressive | $248 | $2,976 |
| Liberty Mutual | $206 | $2,472 |
| CSAA | $102 | $1,320 |
Cheapest Full Coverage Insurance Rates In Schenectady: CSAA
CSAA provides the lowest rates for full coverage car insurance in Schenectady, with quotes averaging $172 per month.
The table below compares average auto insurance quotes from some of the most affordable insurers in Schenectady.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeco | $185 | $2,220 |
| CSAA | $172 | $2,064 |
| Erie | $503 | $6,036 |
| Liberty Mutual | $296 | $3,576 |
| Progressive | $371 | $4,452 |
Cheapest Car Insurance Rates For Seniors: CSAA
CSAA offers the most affordable car insurance for seniors in Schenectady, with an average monthly rate of $108.
The table below displays average quotes from the most budget-friendly auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Liberty Mutual | $187 | $2,244 |
| CSAA | $108 | $1,296 |
| Progressive | $205 | $2,460 |
| Safeco | $150 | $1,800 |
| Erie | $297 | $3,564 |
Cheapest Rates In Schenectady For Teenagers: CSAA
Teen drivers in Schenectady can get the lowest rates from CSAA, with average monthly premiums of $302.
The table below compares the companies offering the most affordable insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $449 | $5,388 |
| Safeco | $320 | $3,840 |
| CSAA | $302 | $3,624 |
| Erie | $578 | $6,936 |
| Liberty Mutual | $351 | $4,212 |
Cheapest Auto Insurance For Young Adults in Schenectady: Erie
Erie provides the lowest rates for young adults in Schenectady, with average monthly premiums of $139.
The table below allows you to compare the most affordable auto insurance rates for young adults in Schenectady.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $172 | $2,064 |
| Erie | $139 | $1,668 |
| CSAA | $180 | $2,160 |
| USAA | $141 | $1,692 |
| Travelers | $158 | $1,896 |
Cheapest Car Insurance In Schenectady For Good Drivers: CSAA
Good drivers in Schenectady can get the best car insurance rates from CSAA, with average premiums of about $110 per month.
If you’re a good driver, you can use the table below to compare average quotes from the most affordable insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $252 | $3,024 |
| Safeco | $165 | $1,980 |
| USAA | $343 | $4,116 |
| CSAA | $110 | $1,320 |
| Liberty Mutual | $209 | $2,508 |
Find Affordable Schenectady Rates
Cheapest Car Insurance In Schenectady After A Speeding Ticket: CSAA
CSAA is one of the most affordable options in Schenectady, offering average rates of $138 per month for drivers with a speeding ticket on their record.
Use the table below to compare average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Liberty Mutual | $260 | $3,120 |
| Progressive | $ 291 | $3,492 |
| CSAA | $138 | $1,656 |
| Erie | $395 | $4,740 |
| Safeco | $187 | $2,244 |
Cheapest For Drivers With After At-Fault Accident: CSAA
CSAA provides the lowest car insurance rates for drivers with an at-fault accident, with an average premium of $145 per month.
Below are the car insurance companies offering the most affordable rates for drivers with an at-fault incident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeco | $201 | $2,412 |
| Progressive | $308 | $3,696 |
| CSAA | $145 | $1,740 |
| USAA | $429 | $5,148 |
| Liberty Mutual | $262 | $3,144 |
Cheapest Rates In Schenectady For Drivers After A DUI: CSAA
CSAA offers the most affordable rates for drivers in Schenectady after a DUI, with average monthly premiums of $149.
Drivers in Schenectady with a DUI can find the lowest rates in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Liberty Mutual | $290 | $3,480 |
| Progressive | $366 | $4,392 |
| Safeco | $220 | $2,640 |
| CSAA | $149 | $1,788 |
| Erie | $485 | $5,820 |
Best Car Insurance Companies In Schenectady
CSAA provides the most affordable car insurance in Schenectady, with rates starting at $114 per month. You may also want to consider Erie at $121 per month or Progressive at $126 per month.
The table below shows the top 10 car insurance companies in Schenectady, NY, ranked by their average monthly rates.
| Company | Monthly Premium |
| CSAA | $114 |
| Erie | $121 |
| Progressive | $126 |
| State Farm | $137 |
| Nationwide | $145 |
| Liberty Mutual | $150 |
| Safeco | $163 |
| USAA | $186 |
| Preferred Mutual | $192 |
| Travelers | $201 |
Average Auto Insurance Rates In Schenectady- By Age
Age plays a significant role in determining car insurance rates. Younger drivers typically face higher premiums due to their limited experience and a higher likelihood of accidents and violations. Teenagers, for example, can expect to pay around $4,920 annually for car insurance.
Once drivers reach 25, their rates usually start to drop, provided they maintain a clean driving record.
Drivers in their 50s and early 60s often receive the best rates, as insurance companies view them as more experienced and less risky. Age is used by insurers to assess driving experience and risk, which directly affects the cost of premiums.
| Age | Average Yearly Rate |
| Teenagers | $4,920 |
| 20s | $1,716 |
| 30s | $1,596 |
| 40s | $1,224 |
| 50s | $1,128 |
| 60s | $1,092 |
| 70s | $2,916 |
Average Rates In Schenectady- By Vehicle
The make, model, year, and body type of your vehicle are important factors that influence your car insurance premiums. Generally, newer cars, especially luxury models with advanced features and higher replacement costs, have higher insurance rates.
The table below shows average car insurance rates in Schenectady for various vehicles.
| Vehicle | Average Monthly Rate |
| Honda Accord | $75 |
| KIA Optima | $107 |
| Jeep Compass | $81 |
| Nissan Altima | $93 |
| Volkswagen Jetta | $98 |
How Much Is Car Insurance In Other Cities in New York?
Your city plays a major role in determining your car insurance premiums. Insurance companies consider factors like accident rates, vehicle theft, and vandalism, which tend to be higher in urban areas, leading to higher premiums.
For example, drivers in Rochester typically pay around $127 per month for car insurance, while those in Flushing pay an average rate of $180 per month.
| City | Average Monthly Rate |
| Rochester | $127 |
| Flushing | $180 |
| Great Neck | $145 |
| Staten Island | $224 |
| Syracuse | $151 |
| White Plains | $139 |
| Albany | $140 |
| Bronx | $295 |
| Brooklyn | $306 |
| Buffalo | $163 |
Average Cost Of Auto Insurance In Schenectady- By Zip Code
Zip codes are used by insurers to assess crime rates in specific areas, which can affect car insurance rates. As a result, premiums vary by zip code.
The table below shows average car insurance rates for different zip codes in Schenectady.
| Zip Code | Average Monthly Rate |
| 12302 | $108 |
| 12303 | $112 |
| 12304 | $103 |
| 12305 | $219 |
| 12306 | $172 |
Find Affordable Schenectady Rates
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Schenectady, NY.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Schenectady?
CSAA offers the lowest car insurance rates in Schenectady, both for the minimum coverage required by the State of New York and for full coverage, which includes comprehensive and collision protection.
What is the average cost of car insurance in Schenectady?
The average car insurance cost in Schenectady is approximately $153 per month. However, rates can differ depending on factors like your zip code, vehicle make and model, driving history, and more.
Related Content
Does Insurance Cover Stolen Car If Keys Left? Do I Need Collision Insurance On An Old Car? Car Insurance For 50 Years Old
Find A Policy
Lamborghini Huracan Insurance Cost Aston Martin vantage Insurance Alfa Romeo Stelvio insurance cost
Auto Insurance In Your Area
Car insurance quotes in Owensboro, KY Car Insurance Huntsville, AL Car Insurance Tuscaloosa
