Cheapest Auto Insurance in Schenectady, New York (2025)

With monthly liability rates averaging $97, CSAA is the cheapest car insurance company in New York.

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Cheapest recent rates near Schenectady, New York

Drivers in and around Schenectady, New York have found policies from Safeco, Bristol West, Erie, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Schenectady, New York within the last 10 days. Last updated on May 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Schenectady, New York within the last 10 days. Last updated on May 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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New York drivers shell out $404 monthly for car insurance, on average. That’s the price of 86 cups of coffee at Villa Italia Bakery and more than double the national average of $150 per month.

Between the state’s no-fault insurance system, strict regulatory environment, and high rates of insurance fraud from inflated medical claims and legal costs, rates keep climbing. Add in recent inflation, and drivers are left with expensive car insurance rates in Schenectady.

But it’s still possible to find affordable coverage in Schenectady by comparing quotes from multiple insurance companies.

Quick Facts
  • CSAA, Liberty Mutual, and Progressive are the cheapest car insurance companies in New York.

  • New York requires all drivers to maintain minimum liability insurance limits of 25/50/10.

  • Nearly 11% of New York drivers lack insurance coverage.[1]

3 of the cheapest car insurance companies in Schenectady

New York car insurance quotes tend to run high, but several companies offer Schenectady drivers better rates without compromising coverage. How much you pay depends on your driving history, vehicle type, coverage needs, and even credit history.[2]

But cheap isn’t everything — the insurance company with the lowest premium might have a terrible reputation for claims and customer service. It’s worth your time to review information from several insurance companies to find the best policy for your situation.

Insurance Company
sort ascsort desc
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
CSAA7.6$165$97Commuters
Safeco8.3$168$162Basic coverage
Liberty Mutual7.7$294$113Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for commuters: CSAA

User Reviews
4.6
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.6 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$88/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$141/mo
4.6
Best choiceBased on 2,028 verified guest reviews and ratings
How drivers feel about CSAA

Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.

AI-generated from the text of verified reviews collected by Insurify
Best For
AAA members
Customer service
Membership perks
How drivers feel about CSAA

Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.

AI-generated from the text of verified reviews collected by Insurify
Best For
AAA members
Customer service
Membership perks
Reviews (644)

Berdia

April 29, 2025

Verified Review

AAA Rates Increased in California

AAA has doubled their rates for California. I used to pay $200, which has changed to $409. Do not use if living in California.

Diane

April 29, 2025

Verified Review

Won't come down on insurance.

They have me paying $262 a month, which is like $3,144 a year. My car is a 2017 model.

Jeffrey

April 28, 2025

Verified Review

AAA Review

Good service mostly, but just too expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.75
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

CSAA is best for Schenectady’s daily commuters, particularly given the significant flow of workers traveling between Schenectady and Albany — the second-largest intercounty commuting pattern in the Capital Region, according to a Center for Economic Growth (CEG) analysis.

The company’s AAA affiliation opens the door to roadside assistance, which can be very helpful when dealing with notorious winter driving conditions in upstate New York.

Pros
  • 24/7 AAA roadside help

  • AM Best financial strength rating of A (Excellent)

  • One-stop shop for all insurance needs

Cons
  • Must maintain AAA membership for full benefits

  • Clunky digital experience

  • Not all AAA insurance partners offer the same coverages and discounts

Best insurer for basic coverage: Safeco

User Reviews
4.4
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3 /10
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$155/mo
4.4
Best choiceBased on 845 verified guest reviews and ratings
How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (476)

Billy

April 30, 2025

Verified Review

Long-time customer getting poor service

I was satisfied until I needed to make a change. Customer service failed to answer the phone after many attempts. I finally got a return call from someone who could not help with my new house but supposedly made the auto change. I got another call today from someone about the house but they couldn’t see the auto change. Poor customer service.

Valerie

April 30, 2025

Verified Review

Forced to Switch

Safecp has been a trustworthy insurance provider for my home since 1973. I just received a notice a week or so ago that our auto insurance will increase in cost when it renews, and it would be more than $400 more per year. We've not had any violations or accidents, so we don't understand why it was increasing so much. We decided, for that matter, to say "goodbye."

Jesse

April 26, 2025

Verified Review

Do not use Safeco

I'd tell a friend to find another provider. Safeco told me my policy would increase by $123 every six months after adding full coverage. Then I received a policy in the mail stating I would owe $590 in November. A week later, I got another bill for $164. A couple of weeks later, I received a new bill for $774, which is what they now claim I owe for my 6-month policy. I called, and they had no record of the $590, even though I had the invoice sitting right in front of me. So I canceled them.
See all Safeco reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

Safeco is best if you’re looking to meet state requirements without extra frills. Schenectady drivers will find straightforward policies with no-fault personal injury protection (PIP), liability, and uninsured motorist coverage, which is essential considering nearly 11% of New York drivers don’t have insurance.

Overall, Safeco offers streamlined insurance policies that make it easy to get coverage that meets state requirements without paying for unnecessary extras.

Pros
  • Accident forgiveness available

  • Bundling discount of up to 15%

  • Flexible policy terms

Cons
  • Policies only available through an insurance agent

  • Below-average J.D. Power claims satisfaction score

  • Few available discounts

Best insurer for discounts: Liberty Mutual

User Reviews
3.7
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.7 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$104/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$248/mo
3.7
A solid optionBased on 2,939 verified guest reviews and ratings
How drivers feel about Liberty Mutual

Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual

Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,705)

Amy

April 30, 2025

Verified Review

Okay Experience

I think the premiums are a little high. I have paper billing and want to keep paper billing, but invoices are sent seemingly late to get payment back by the due date. I have requested a different due date, etc., without resolving this dilemma.

Cassandra Crawley

April 29, 2025

Verified Review

Disappointment

The rates have gone up significantly. I plan to make a move knowing I can get a better rate. When I initially signed up for Liberty, I received a better rate based on my age, credit report, accidents, claims, mileage, etc. I have been an outstanding customer for more than 10 years.

Archie

April 28, 2025

Verified Review

No Rewards for Good Drivers

I never had an accident or claim during the length of my policy. When I renewed the policy, they increased the amount I would have to pay. I always thought the price of a policy would decrease, or at least remain the same. I'm done with them!
See all Liberty Mutual reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.95
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

Liberty Mutual is best for people who want to maximize savings through discounts. As one of New York’s five largest insurance companies, according to the National Association of Insurance Commissioners (NAIC), Liberty Mutual helps offset the state’s high premiums with an impressive 13 discounts.

For New York’s 12+ million drivers who pay some of the nation’s highest car insurance rates, Liberty Mutual’s savings opportunities — ranging from multi-policy to safety feature discounts — can put a big dent in monthly insurance costs.

Pros
  • Many available discounts

  • Face-to-face help from local independent agents

  • Full-featured mobile app

Cons
  • Low J.D. Power customer satisfaction score

  • Higher-than-expected number of complaints with the NAIC

  • ”Safe driver” tracking program could raise rates

How to get the cheapest car insurance in Schenectady

Your car insurance rates in Schenectady boil down to your unique risk profile — namely, your age, driving record, and where you park at night. Living in downtown Schenectady near Erie Boulevard might mean steeper premiums, thanks to increased traffic and accident risks compared to quieter neighborhoods like Old Niskayuna.

New York’s no-fault insurance system also influences your premium. But if your goal is to save money, a few smart moves can help you control costs:

  • Make use of NY’s defensive driving course discount. Complete a state-approved defensive driving course to lower your premiums by 10%.

  • Bundle your insurance. Buying auto and home insurance (or renters insurance) from the same agency or company can qualify you for discounts.

  • Compare multiple companies. Use rate-comparison sites to get auto insurance quotes since prices for the same coverage can vary — sometimes by hundreds of dollars.

Find Cheap Car Insurance in New York

Liability rates start at $97 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Schenectady: CSAA

Think of liability-only car insurance as the bare minimum. It pays for damage or injuries you cause to others in an accident but doesn’t cover losses to your vehicle. Since New York plays by no-fault rules, liability coverage also includes personal injury protection (PIP) and underinsured motorist coverage.

New York drivers pay an average of $349 monthly for liability insurance, but prices vary based on your ZIP code and driving record.

Here’s a look at different rates in the state of New York from liability-only car insurance companies:

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Insurance Company
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Average Monthly Quote
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CSAA$97
Liberty Mutual$113
Progressive$231
Erie$312
USAA$324
Bristol West$447
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Schenectady: CSAA

While liability-only coverage falls short when it comes to your vehicle’s damage, full coverage steps up to protect your ride from theft, vandalism, and Schenectady’s harsh weather. This extra protection is worth considering if you’re still making payments on your vehicle or driving a newer model.

On average, New York motorists pay $460 per month for full coverage. It costs more than basic protection but is valuable for preserving your vehicle’s worth. See how full-coverage rates stack up across auto insurers in New York:

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
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CSAA$165
Safeco$168
Liberty Mutual$294
Progressive$376
Erie$506
USAA$527
Bristol West$549
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in New York

New York is a no-fault state for car insurance. That means your auto policy covers your injuries regardless of who caused the accident. All vehicles registered in New York must have PIP and uninsured motorist coverage, plus liability protection that meets the following minimum legal requirements:[3]

Coverage
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Minimum Requirements
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Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$10,000

You might also want extra protection for you and your vehicle. In that case, New York suggests these optional coverages:

  • illustration card https://a.storyblok.com/f/162273/150x150/0ee044afbd/car-and-driving-96x96-orange_039-car-accident.svg

    Collision coverage

    Collision insurance pays for damage to your car from accidents, no matter who’s at fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance protects your vehicle against non-collision events, such as theft, vandalism, and weather damage.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Additional no-fault benefits

    This extends medical coverage beyond the basic $50,000 limit the law requires.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Supplementary uninsured motorist coverage

    This provides extra protection following accidents with an uninsured/underinsured driver or a hit-and-run driver.

  • illustration card https://a.storyblok.com/f/162273/150x150/a645862484/states_new-york.svg

    New York Automobile Insurance Plan (NYAIP)

    If you’re struggling to get standard auto insurance coverage due to a poor driving record or other high-risk factors, the New York Automobile Insurance Plan (NYAIP) can help. It’s a state-mandated process that matches high-risk drivers to insurance companies.

    While you might pay more for an NYAIP policy, the program helps keep you legally covered when other options run dry.

Cheapest car insurance for drivers with an incident

An incident on your record — like a car accident, speeding ticket, or DUI — tells auto insurance companies that you might be a risky bet. Drivers with marks on their records tend to file more claims. Each mark against your record can send your rates climbing, but some Schenectady car insurance companies are more forgiving than others.

Compare Car Insurance Quotes

Monthly liability rates start at $118 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: CSAA

A heavy foot on Erie Boulevard doesn’t just earn you a ticket. It also signals to insurers that you might be prone to risky driving habits. Since speeding can lead to more crashes, insurance companies typically charge more after a driver gets a ticket.

New York drivers with a speeding offense pay around $397 monthly for liability coverage. See which New York companies offer the most competitive liability-only rates for drivers with and without speeding tickets:

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
CSAA$97$116
Liberty Mutual$113$141
Progressive$231$273
Erie$312$385
USAA$324$380
Bristol West$447$533
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: CSAA

Causing an accident — whether it’s a minor bump in a mall parking lot or a bigger crash on I-890 — makes you a higher risk behind the wheel. At-fault accidents often lead to expensive claims for motor vehicle damage and potential injuries, causing auto insurance companies to increase prices following the incident.

New York drivers with an at-fault accident pay a monthly average of $414 for liability policies. Compare how different New York auto insurers adjust their liability-only rates after an accident:

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
CSAA$97$125
Liberty Mutual$113$147
Progressive$231$292
Erie$312$400
USAA$324$397
Bristol West$447$550
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: CSAA

A DUI conviction in New York hits harder than just legal penalties. It can send your insurance rates through the roof. Insurance companies view drunk driving as one of the riskiest behaviors on the road and price policies accordingly.

Drivers in New York with a DUI pay monthly averages of $439 for liability coverage and $579 for full coverage.

See how a DUI affects liability-only rates across a few auto insurers in New York below:

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
CSAA$97$139
Liberty Mutual$113$162
Progressive$231$332
Erie$312$448
USAA$324$465
Bristol West$447$642
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: CSAA

Car insurance rates typically hit their sweet spot between ages 35 and 70, thanks to decades of driving experience. But after age 70, prices often spike, as natural aging impairs reaction time and night vision. Senior drivers in New York pay average liability costs of $386 per month, but shopping around can uncover substantial savings on the best car insurance for seniors.

Here’s how senior insurance rates vary across New York’s top insurers:

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Insurance Company
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Liability Only
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Full Coverage
sort ascsort desc
CSAA$88$150
Liberty Mutual$109$284
Progressive$197$320
Erie$286$464
USAA$303$493
Bristol West$421$517
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: CSAA

New drivers pack the highest insurance rates because they lack experience. They’re also more likely to take risks and file claims. While teen drivers in New York pay an average of $628 per month for liability coverage, more budget-friendly prices are possible.

As a teen driver, you could save money in a few ways: Stay on your parents’ policy, leverage good student discounts, choose a sensible first car (think Civic rather than Corvette), and consider usage-based insurance programs that reward careful driving.

Here, you can compare teen driver quotes from New York’s leading car insurance companies:

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
CSAA$162$276
Liberty Mutual$199$519
Progressive$422$687
Erie$558$905
USAA$576$937
Bristol West$786$966
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance for Teen Drivers

Check quotes from 120+ top insurance companies

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Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Schenectady car insurance quotes by credit tier

New York law lets insurers peek at your credit history when setting rates. Here’s why: Insurance companies view financial responsibility as a predictor of risk. Generally, drivers with strong credit file fewer claims.

For New York drivers with poor credit histories, this can mean a higher car insurance bill every month — sometimes double what drivers with excellent credit pay for the same coverage.

Here’s how your credit tier can shape auto insurance rates in New York:

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

More cities in New York

Looking at car insurance quotes beyond Schenectady, you’ll see that prices can vary significantly across the Empire State. Each city’s unique factors, like traffic patterns, accident rates, and population density, sway auto insurance premiums.

Whether you’re heading upstate or downstate, check out the rates in these cities:

City
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Buffalo$321$324
New York$504$547
Rochester$152$282
Syracuse$319$355
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Schenectady car insurance FAQs

If you’re shopping for car insurance in Schenectady, this additional information may help as you research your coverage options.

  • Which company has the cheapest car insurance in Schenectady?

    CSAA, Liberty Mutual, and Progressive are the cheapest car insurance companies in New York. Your rates will vary depending on many factors, including your age, ZIP code, the type of car you drive, and the coverage levels you choose.

  • How much is car insurance per month in New York?

    Car insurance in New York costs $349 per month for liability coverage and $460 for full coverage, Insurify data shows. This is much higher than the national averages of $105 for liability coverage and $195 for full coverage.

  • Are there any discounts for car insurance in Schenectady?

    Most likely. Car insurance companies nationwide offer discounts that can help drivers save, including discounts for bundling policies, being a safe driver, getting good grades in school, and more. Ask your insurance agent which discounts you might be eligible for in Schenectady.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
  2. New York Department of Financial Services. "Applying for Auto Insurance."
  3. New York Department of Financial Services. "Purchasing Automobile Insurance."
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Amy has been a contributor at Insurify since September 2023.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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