Cheapest Auto Insurance in Schenectady, New York (2026)
With monthly liability rates averaging $118, Erie is the cheapest car insurance company in New York.
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Amy BeardsleyFreelance Insurance and Real Estate Writer
3+ years writing about auto, home, and life insurance
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Reviewed byDavid Marlett
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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
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Table of contents
New York drivers shell out $162 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 $136 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
Erie, USAA, and Travelers 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]
5 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.
 |  |  |  |  |
|---|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $0/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $0/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $375/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $126/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $131/mo* |
Overall rating 4.5 | Overall rating 3.4 | Overall rating 3.2 | Overall rating 4.4 | Overall rating 4.9 |
Value for money 4.3/5 | Value for money 3.0/5 | Value for money 3.0/5 | Value for money 3.7/5 | Value for money 4.9/5 |
Customer service 4.3/5 | Customer service 3.3/5 | Customer service 3.3/5 | Customer service 3.6/5 | Customer service 4.8/5 |
Claims handling 4.4/5 | Claims handling 3.5/5 | Claims handling 3.3/5 | Claims handling 4.0/5 | Claims handling 4.9/5 |
Special highlight AAA membersAI-generated from 485 user reviews | Special highlight Numerous discountsAI-generated from 1870 user reviews | Special highlight Competitive ratesAI-generated from 8011 user reviews | Special highlight High customer satisfactionAI-generated from 219 user reviews | Special highlight Members of the military communityAI-generated from 1449 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Best insurer for commuters: CSAA
| User Reviews | 4.5 |
|---|---|
| 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. | 8.5 /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. | $169/mo |
4.5
Best choiceBased on 2,319 verified driver 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 (485)
Joseph
Verified Review
AAA is the best
Reviewed in Mississippi on January 24, 2026
I believe you would get a lower rate and excellent coverage.
Cheryl
Verified Review
Only moderately satisfied
Reviewed in Mississippi on January 5, 2026
The price quoted and the first payment were made, but the subsequent payments increased. I was forced to use auto-pay, which I don't find necessary at 72 years old. I was supposed to be auto-billed on 2/2, and today, 2/5, I still haven't been billed. That's not acceptable.
James
Verified Review
Disappointed
Reviewed in Georgia on December 24, 2025
Home insurance is GREAT but car insurance is too expensive.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.28A.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).
AWhy 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 | 4.3 |
|---|---|
| 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. | 8.1 /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. | $86/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. | $140/mo |
4.3
Best choiceBased on 991 verified driver 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 (531)
Linda
Verified Review
Raising Prices Too High
Reviewed in New Hampshire on February 6, 2026
It was okay, but now they are raising the price on my policy by $572.20. They said it's because of rates for ambulances, fire, and police in Gilford. That doesn't seem to have anything to do with my auto insurance, but that's what they said.
Jon
Verified Review
Shop around
Reviewed in California on February 4, 2026
Shop around. I believe insurers give an initial lower rate and then increase it over time, knowing that most people just keep paying the higher rate. You have to shop every time renewal comes up.
Patrick
Verified Review
Poor Business Practice
Reviewed in Michigan on January 30, 2026
The price is a bit cheaper than average at first. The issue is that after a month, they claimed they never received the qualifying medical insurance letter, changed your PIP allocations, and charged you hundreds more than the original quote. They make you jump through hoops to get your money back, then only return a minute fraction of it and claim it was the customer's fault. They will not return the money wrongfully taken for "lack of medical coverage letter"—they received it! And let's just for amusement say they never received it, you'd think an email, text, or call to say "Hey, we don't have the medical coverage letter, and we need that or we will deduct such and such on such and such date" would be appropriate... but no, they'd rather be shady! Additionally, getting a service agent at certain times can be difficult!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72A.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).
AWhy 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 | 3.4 |
|---|---|
| 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. | 7.7 /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. | $218/mo |
3.4
A solid optionBased on 3,501 verified driver 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 (1,870)
Richard
Verified Review
Liberty Mutual Needs to Improve
Reviewed in North Carolina on February 15, 2026
The roadside assistance employees were awful, and my insurance rates went up, so I switched and saved a lot of money.
Fredrick
Verified Review
I need cheaper insurance!
Reviewed in South Carolina on February 14, 2026
The insurance costs too much even though it’s in my mother’s name and she’s 84 years old. I pay the insurance ($170 a month) and the car is with me because I paid for it in the beginning when we got it. In Jesus' name, Amen!
Randall
Verified Review
Good Company
Reviewed in Alabama on February 14, 2026
All has gone well with them. No problem at all. The premium for the coverage I have is very good.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
612NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28A.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).
AWhy 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 $118 per month
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Cheapest liability-only car insurance in Schenectady: Erie
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 $152 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 in Schenectady, NY, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company  | Average Monthly Quote |
|---|---|
| Erie | $118 |
| USAA | $123 |
| Travelers | $143 |
| State Farm | $168 |
| Allstate | $177 |
| Nationwide | $179 |
| GEICO | $189 |
| Progressive | $298 |
| Chubb | $327 |
| Bristol West | $409 |
| 21st Century | $515 |
Disclaimer: Table data sourced from real-time Schenectady car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Schenectady may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Schenectady: Erie
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 $172 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 in Schenectady, NY, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $134 |
| USAA | $139 |
| Travelers | $162 |
| State Farm | $190 |
| Allstate | $200 |
| Nationwide | $203 |
| GEICO | $211 |
| CSAA | $236 |
| Liberty Mutual | $304 |
| Chubb | $370 |
| Progressive | $452 |
| Bristol West | $530 |
| 21st Century | $583 |
Disclaimer: Table data sourced from real-time Schenectady car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Schenectady 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 | Minimum Requirements |
|---|---|
| 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:
Collision coverage
Collision insurance pays for damage to your car from accidents, no matter who’s at fault.
Comprehensive coverage
Comprehensive insurance protects your vehicle against non-collision events, such as theft, vandalism, and weather damage.
Additional no-fault benefits
This extends medical coverage beyond the basic $50,000 limit the law requires.
Supplementary uninsured motorist coverage
This provides extra protection following accidents with an uninsured/underinsured driver or a hit-and-run driver.
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.
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Monthly liability rates start at $156 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: Erie
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 $204 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 in Schenectady, NY, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Erie | $118 | $161 |
| USAA | $123 | $164 |
| Travelers | $143 | $192 |
| State Farm | $168 | $220 |
| Allstate | $177 | $238 |
| Nationwide | $179 | $240 |
| GEICO | $189 | $255 |
| Progressive | $298 | $400 |
| Chubb | $327 | $430 |
| Bristol West | $409 | $532 |
| 21st Century | $515 | $700 |
Disclaimer: Table data sourced from real-time Schenectady car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Schenectady may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Erie
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 $217 for liability policies. Compare how different New York auto insurers adjust their liability-only rates after an accident:
The below rates in Schenectady, NY, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Erie | $118 | $163 |
| USAA | $123 | $171 |
| Travelers | $143 | $200 |
| State Farm | $168 | $231 |
| Allstate | $177 | $246 |
| Nationwide | $179 | $250 |
| GEICO | $189 | $255 |
| Progressive | $298 | $426 |
| Chubb | $327 | $451 |
| Bristol West | $409 | $560 |
| 21st Century | $515 | $726 |
Disclaimer: Table data sourced from real-time Schenectady car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Schenectady may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Erie
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 $267 for liability coverage and $302 for full coverage.
See how a DUI affects liability-only rates across a few auto insurers in New York below:
The below rates in Schenectady, NY, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Erie | $118 | $190 |
| USAA | $123 | $198 |
| Travelers | $143 | $230 |
| State Farm | $168 | $270 |
| Allstate | $177 | $285 |
| Nationwide | $179 | $288 |
| GEICO | $189 | $303 |
| Progressive | $298 | $523 |
| Chubb | $327 | $526 |
| Bristol West | $409 | $658 |
| 21st Century | $515 | $788 |
Disclaimer: Table data sourced from real-time Schenectady car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Schenectady may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Erie
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 $107 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 in Schenectady, NY, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Erie | $81 | $92 |
| USAA | $90 | $102 |
| Travelers | $103 | $116 |
| State Farm | $119 | $134 |
| Nationwide | $123 | $139 |
| Allstate | $130 | $147 |
| GEICO | $135 | $151 |
| Progressive | $209 | $318 |
| Chubb | $221 | $250 |
| Bristol West | $307 | $398 |
| 21st Century | $364 | $412 |
Disclaimer: Table data sourced from real-time Schenectady car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Schenectady may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Erie
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 $238 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 in Schenectady, NY, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Erie | $202 | $229 |
| USAA | $212 | $240 |
| Travelers | $279 | $316 |
| State Farm | $305 | $344 |
| GEICO | $315 | $351 |
| Nationwide | $327 | $371 |
| Allstate | $328 | $371 |
| Progressive | $466 | $707 |
| Chubb | $636 | $720 |
| Bristol West | $679 | $879 |
| 21st Century | $864 | $978 |
Disclaimer: Table data sourced from real-time Schenectady car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Schenectady may vary based on the policy buyer's unique driver profile.
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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 | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Buffalo | $171 | $201 |
| New York | $216 | $225 |
| Rochester | $111 | $145 |
| Syracuse | $115 | $168 |
Disclaimer: Table data sourced from real-time Schenectady car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Schenectady 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?
Erie, USAA, and Travelers 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 $152 per month for liability coverage and $172 for full coverage, Insurify data shows. This is much higher than the national averages of $99 for liability coverage and $174 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 190 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 500+ 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
- 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.
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Sources
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
- New York Department of Financial Services. "Applying for Auto Insurance."
- New York Department of Financial Services. "Purchasing Automobile Insurance."
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Amy BeardsleyFreelance Insurance and Real Estate Writer
Amy has nearly a decade of experience translating complex concepts – like insurance – into reader-friendly, actionable information. With a unique background in business and legal disciplines, Amy specializes in turning dense policy jargon into clear, friendly and helpful content.
Amy holds a bachelor's degree from Ferris State University, and has been an Insurify contributor since September 2023. Connect with Amy on LinkedIn.
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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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.