Cheap Auto Insurance in Schenectady, New York (2024)

Travelers tops the list of best insurance companies in Schenectady, with full-coverage rates starting at $139 a month.

Jennifer Brozic
Written byJennifer Brozic
Jennifer Brozic
Jennifer Brozic
  • 18+ years experience in finance writing

  • Background in communications for banks and credit unions

Jennifer is a content marketing writer specializing in the financial services and insurance industries. Her areas of expertise include budgeting, building credit, loans, and more.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Amber Benka
Reviewed byAmber Benka
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

Updated July 14, 2024

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Cheapest recent rates near Schenectady, New York

Recent Schenectady, New York car insurance prices for Nissan , and more.

*Quotes generated for Insurify users in and around Schenectady, New York within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. 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 July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The best car insurance companies in Schenectady, New York, combine affordable rates with quality coverage that protects you financially if you have an accident. Drivers in Schenectady pay average rates of $184 per month for a liability-only policy and $301 for full-coverage insurance.

Your exact rate may differ from the city averages, depending on your coverage needs, driving record, vehicle type, credit history, age, and more.[1] But in general, car insurance in Schenectady costs much less than elsewhere in the state. On average, drivers in New York pay $457 per month for auto coverage.

Quick Facts
  • Liability-only quotes in Schenectady start at $75 per month from Safeco.

  • Drivers with a history of multiple accidents or a DUI face higher premiums.

  • Comparing quotes from multiple auto insurers can help you find the cheapest rates.

Best car insurance companies in Schenectady

The best car insurance company may look different for you and your neighbor because everyone has unique insurance needs. No matter what’s most important to you — whether that’s cheap prices, discount availability, quality customer service, or nonstandard coverage — you should get insurance from a company that aligns with your needs.

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Insurance CompanyBest ForAverage Monthly Quote: Liability OnlyInsurify Quality 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.
TravelersBest overallN/A4.3
SafecoBest value$753.7
Liberty MutualCommuters$2363.8
Midvale Home & AutoHomeowners$1733.2
Bristol WestHigh-risk drivers$2242.2
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 28,000 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 car insurance overall: Travelers

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User Reviews
3.5
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.
9.0/10
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.
$382/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.
$538/mo

Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index. A.M. Best gives the company an A++ for financial strength.

Pros
  • Accident forgiveness available

  • Robust coverage selections and discount offerings

Cons
  • Rideshare coverage only available in Colorado and Illinois

  • High number of negative customer reviews with the Better Business Bureau

Read more driver reviews of Travelers
Linda - July 10, 2024
Verified

Final

Dealing with the computer-generated documents is trouble for me.

Janet - July 9, 2024
Verified

Fair

They increased my insurance after 6 months, even though I had no tickets or accidents.

Kim - July 9, 2024
Verified

Nickel and Dimed

Travelers was awful. They offer discounts, but only if you go paperless and there are little caveats that my agent never informed me about. Also, they increased my rates significantly without notice.

Best cheap car insurance in Schenectady: Safeco

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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.
8.3/10
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.
$162/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.
$181/mo

Owned by Liberty Mutual, Safeco offers car, homeowners, renters, pet, and other insurance products. The company has been in busines since 1923, and provides new vehicle replacement coverage, rental car reimbursement, liability, and full-coverage policies. Safeco’s money-saving programs include accident forgiveness, a diminishing deductible, and a cash back program for customers who remain claims-free for six months. The company has an average amount of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and placed 13th on the J.D. Powers’ Overall Customer Satisfaction Index. A.M. Best gives Safeco a score of A for financial stability.

Pros
  • Pays cash back to customers who remain claims-free

  • Many options for customizing car insurance

Cons
  • Limited number of discounts

  • Customer reviews indicate room for improvement in customer service

Read more driver reviews of Safeco
Virginia - July 13, 2024
Verified

Expensive

I feel like it's just getting too expensive.

James - July 13, 2024
Verified

Insure ME

It's easy to apply and interact with Safeco. The overall coverage and price make it one of the best companies I have dealt with.

Lance - July 8, 2024
Verified

Excellent

I'm satisfied with their service, I'm just looking for a better price.

Best car insurance in Schenectady for commuters: Liberty Mutual

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User Reviews
2.9
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.
$190/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.
$276/mo

In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.

Pros
  • Wide range of available discounts

  • Accident forgiveness available

Cons
  • Many negative reviews and customer complaints

  • Premiums are relatively high compared to industry average

Read more driver reviews of Liberty Mutual
Wanda - July 13, 2024
Verified

Wanda

Excellent company.

Melinda - July 13, 2024
Verified

Stay Away from Liberty Mutual

Liberty Mutual starts out with reasonable rates, but then the rates double.

John - July 13, 2024
Verified

Fair

They raised my premium to a point where I could not afford it.

Best car insurance in Schenectady for homeowners: Midvale Home & Auto

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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
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.
3.2/10

Owned by American Family Insurance, Midvale offers auto and home insurance. In addition to liability, collision and comprehensive coverages, Midvale also offers gap insurance, rental car reimbursement, and roadside assistance. Discounts are pretty standard for the industry, including good student, multi-vehicle, multi-product, and pay-in-full discounts. Midvale as an excellent (A) rating from A.M. Best for financial stability. Customer complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index are only slightly higher than expected for the industry.

Pros
  • Backed by the financial strength of American Family

  • Optional gap insurance and roadside assistance available

Cons
  • Can’t get a quote online – must call an agent

  • Poor customer reviews with Better Business Bureau

Best car insurance in Schenectady for high-risk drivers: Bristol West

Compare personalized, real-time quotes
User Reviews
2.8
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.
5.2/10
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.
$378/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.
$435/mo

Florida-based Bristol West Insurance Company started selling car insurance in 1973. Farmers Insurance now owns the company, which provides private car insurance in 43 states. Bristol specializes in writing policies for difficult-to-insure drivers – for example, those who’ve had a DUI or a lapse in coverage. In addition to liability, collision and comprehensive, Bristol offers optional coverages like rideshare insurance, and rental car coverage. A.M. Best gives Bristol an A rating for financial strength and credit. However, the company has a higher-than average number of complaints in the National Association of Insurance Commissioners Consumer Complaint Index.

Pros
  • Provides coverage for difficult-to-insure drivers

  • Offers rideshare coverage as an extension of your personal policy

Cons
  • Drivers with moving violations pay very high rates

  • Lower than average customer satisfaction

Read more driver reviews of Bristol West
Robert - July 12, 2024
Verified

Good

The customer service is fantastic, but the pricing is high.

Krystal - July 10, 2024
Verified

There Are More Affordable Insurance Options

They are overpriced. I had an accident claim against another client of theirs and they only wanted to cover 60% of the accident, even though I was not at fault. Therefore, their claims process is not satisfactory.

Raquel - July 3, 2024
Verified

Very Displeased

They are significantly overpriced. They increased my monthly payment without informing me. These are just a few reasons why I am very displeased.

Cheapest recent rates near Schenectady, New York

Recent Schenectady, New York car insurance prices for Nissan , and more.

*Quotes generated for Insurify users in and around Schenectady, New York within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. 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 July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Liability-only vs. full-coverage insurance in Schenectady

Some states only require drivers to purchase liability auto insurance to drive legally. New York minimum insurance requirements include multiple coverages:[2]

  • Liability: Bodily injury and property damage liability coverage pay for other peoples’ injuries and property damage you cause in an accident. It doesn’t pay for your injuries or car repairs.

  • Uninsured motorist: This covers injuries to you and your passengers if an uninsured driver hits you.

  • Personal injury protection (PIP): This pays your medical bills, lost wages, and other expenses resulting from an accident, regardless of fault. It also covers your passengers and anyone who lives in your household.

Purchasing only mandatory insurance coverage may work if it would cost more to repair your car than it’s worth. However, purchasing full-coverage insurance, which includes collision and comprehensive coverage, offers more protection if you have a newer or more expensive vehicle. If you have an auto loan or lease, your lender will likely require you to purchase full coverage.

Collision covers the cost to repair your vehicle if you cause an accident, hit a pothole, or run into a fixed object such as a fence or telephone pole. Comprehensive pays for repairs due to damage from severe weather, animals, vandalism, theft, or other non-accident-related events.[3]

All the top Schenectady auto insurers have average rates that fall significantly below the state average of $460 for liability only and $453 for full coverage. Liability-only rates start at $75 per month, and full-coverage insurance starts at $139.

Insurance CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full Coverage
TravelersN/A$139
Safeco$75$167
Midvale Home & Auto$173$339
Bristol West$224$340
Liberty Mutual$236$354
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.

Recent Insurify quotes for Schenectady, New York drivers

Drivers in and around Schenectady, New York have found policies from Safeco, Travelers, Liberty Mutual, 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 July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. 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 July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Schenectady car insurance rates by driving and accident history

If you have a less-than-stellar driving record, you’ll pay higher insurance premiums. Schenectady drivers with speeding tickets, at-fault accidents, or a driving under the influence (DUI) charge on their record pay substantially more for car insurance than people with clean records.

Average monthly quotes for the cheapest car insurance in Schenectady after a DUI start at $276 per month from Travelers.

Insurance CompanyClean RecordAt-Fault AccidentWith a DUISpeeding Ticket
Travelers$139$198$276$186
Safeco$167$239$333$234
Midvale Home & Auto$339$484$674$454
Bristol West$340$486$677$456
Liberty Mutual$354$507$705$475
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 quotes by credit tier

Most states allow insurance companies to use a driver’s insurance-based credit score to help determine the cost of their premiums — and New York is no exception.[4]

Data shows that people with poor credit scores are more likely to file an insurance claim than people with excellent or good credit scores, according to the Insurance Information Institute (III).[5] As a result, drivers with higher credit scores typically pay lower rates.

Credit-based insurance scores differ from standard credit scores lenders use to determine interest rates for loans and lines of credit. However, both types of scores use the information found in your credit reports.

Schenectady car insurance rates by driver age

Insurance rates typically decrease as you gain more driving experience, as long as you maintain a clean driving record. Young drivers — especially teenagers — pay significantly more for coverage because they have less experience and a greater likelihood of getting into an accident.

Schenectady drivers with a clean record usually experience a significant decrease in rates in their 20s. In general, average auto insurance costs continue to decline steadily through your 60s.

The table below shows how age can affect insurance rates in Schenectady.

Age GroupAverage Monthly Quote
Teenagers$563
Younger than 25$394
20s$311
30s$213
40s$179
50s$127
60s$90
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.

Is car insurance more expensive in Schenectady?

Car insurance costs an average of $243 a month in Schenectady, which falls slightly below the national average of $212 per month and significantly below the New York state average of $457 a month.

Prices can vary substantially based on where you live. For example, Brooklyn drivers pay an average of 174% more for car insurance than Schenectady drivers, while those in Rochester pay only 10% more. Many factors affect the price of car insurance, including accident rates in a specific location.

“Carriers have the ability to measure the traffic and amount of accidents in certain ZIP codes,” says James Hickey, executive vice president and head of personal lines at World Insurance Associates. “The more densely populated an area is, the greater the probability of an accident. Premiums are higher in the cities than they are in the suburbs and cheaper in rural areas,” says Hickey.

See how insurance costs in Schenectady compare with other popular cities in the state.

CityAverage Monthly QuoteCompared to Schenectady
Rochester$267+10%
Buffalo$363+49%
Staten Island$531+119%
New York City$545+124%
Brooklyn$667+174%
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.

How to shop for the best car insurance in Schenectady

While you should consider the price of a policy, the best option for you may not qualify as the cheapest. Consider the following factors when shopping for the best car insurance in Schenectady:

  • Company rating: “You would not want to purchase insurance from an unrated or deficiently rated carrier that could go out of business at the time of a loss,” says Hickey, who recommends working with insurance providers that have an A.M. Best rating of “A” or above.

  • Coverage limits: You may feel tempted to settle for the state’s minimum coverage to keep your premium low. However, the minimum limits may not provide adequate protection if you have a serious accident. Consider purchasing more robust coverage to avoid high out-of-pocket costs.

  • Coverage options: Not all insurance companies offer the same types of coverage. Choose an insurer that has the coverage types you need. For example, Hickey recommends paying particular attention to rental reimbursement options. “Due to labor shortages as well as [a] lack of parts, your normal claim is taking well over 30 days to settle,” he says. If your policy provides 30 days of rental reimbursement coverage, that’ll expire quickly.

  • Convenience: How you prefer to manage your policy can make a difference in the insurance company you choose. Find out what options the insurer has for updating your policy and filing claims.

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How to get the cheapest car insurance in Schenectady

Insurance companies consider many factors when pricing a policy, including your driving record, location, age, credit history, vehicle type, and more. But insurers don’t weigh each factor equally.

Shopping around and comparing quotes from multiple insurers can help you find the cheapest coverage and narrow down your options. Consider the following tips to help you get the best rates possible:

  • Bundle coverage. Purchase your auto and home or renters insurance from the same company to earn a discount.

  • Opt for higher deductibles. Increasing your deductibles for collision and comprehensive coverage typically results in a lower premium.[6]

  • Ask about discounts. Insurance companies often offer multiple ways to save. Confirm you’re getting all the discounts that you qualify for.

  • Report mileage properly. Insurance companies factor the number of miles you drive into pricing calculations. Make sure you submit an accurate number.

Schenectady car insurance FAQs

You have a lot to consider when shopping for car insurance. The information below should help you navigate the process of buying insurance in Schenectady.

  • Who has the cheapest car insurance in Schenectady?

    Travelers, Safeco, and Midvale Home & Auto provide the cheapest car insurance in Schenectady. Safeco offers the lowest average rate for a liability-only policy, at $75 per month. Travelers has the lowest average rate for full coverage, at $139 per month.

    If you’re in the market for a new insurance policy, you should get quotes from multiple companies. Insurers consider many factors when determining premiums, so rates can vary significantly by company.

  • How much does car insurance cost in Schenectady?

    The average cost of car insurance in Schenectady is $184 per month for a liability-only policy and $301 for full-coverage insurance. Drivers in Schenectady earn more affordable rates than many other cities in the state.

  • What are the best car insurance companies in Schenectady?

    The best car insurance companies in Schenectady include Travelers, Safeco, and Liberty Mutual. Travelers has an IQ Score of 4.3 and an average rate of $139 per month for full coverage. The company had significantly fewer complaints than expected in 2022, according to the NAIC, and earned solid financial strength ratings from A.M. Best, Moody’s, and Fitch.

    Safeco and Liberty Mutual each earned an IQ Score of 3.8. Both insurers received solid financial strength ratings from A.M. Best.

  • At what age is car insurance cheapest?

    Schenectady drivers in their 60s have the lowest average car insurance rates, likely because older drivers are involved in fewer accidents and file fewer claims. In general, younger drivers pose a higher risk to insurance companies, so they pay higher rates than drivers with more experience.

  • Is Schenectady within a no-fault state?

    Yes. New York is a no-fault state. When you have an accident in a no-fault state, your insurance company covers the claim regardless of fault. No-fault states also limit the type of lawsuits you can file after an accident.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. New York State Department of Financial Services. "Minimum Auto Insurance Requirements."
  3. Insurance Information Institute. "Auto Insurance Basics."
  4. National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
  5. Insurance Information Institute. "Background on: Credit scoring."
  6. Insurance Information Institute. "Understanding your insurance deductibles."
Jennifer Brozic
Jennifer Brozic

Jennifer Brozic is a content marketing writer, specializing in the financial services and insurance industries. She's committed to helping her clients create content that inspires people to take action. Her areas of expertise include insurance, financial planning & budgeting, building credit, loans, credit cards and more. 

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Amber Benka
Reviewed byAmber BenkaLicensed Insurance Agent
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

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