Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • Average car insurance rates in Amsterdam, NY for senior drivers are $1,950/year
  • Average car insurance rates in Amsterdam, NY are $265/month
  • The cheapest car insurance company in Amsterdam for teen drivers is GEICO

Average car insurance rates in Amsterdam, New York are $265 a month. But with a little research you can get a great deal from the top car insurance companies in Amsterdam, NY. Before you buy Amsterdam, New York car insurance, make sure your coverage meets or exceeds the New York minimum of 25/50/10.

It may even be helpful to compare Amsterdam car insurance rates with Syracuse car insurance rates, New Rochelle car insurance rates, or Buffalo car insurance rates to make sure you’re getting the best Amsterdam, NY car insurance quotes available.

Need affordable Amsterdam, NY car insurance? Enter your ZIP code to compare Amsterdam car insurance quotes from multiple car insurance companies near you.

Amsterdam, NY Minimum Car Insurance Coverage

Amsterdam, New York law requires drivers carry a minimum of 25/50/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Amsterdam, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Amsterdam, NY Car Insurance Rates by Coverage Level

Some Amsterdam drivers can get by with the New York minimum coverage of 25/50/10. Other drivers may need more. See how much your Amsterdam, New York car insurance rates may be based on the coverage you need.

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

Insurance Company Low Medium High
Allstate $3,525 $3,698 $3,903
GEICO $1,793 $1,896 $2,021
Liberty Mutual $4,487 $4,668 $4,894
Nationwide $2,584 $2,711 $2,895
Progressive $2,479 $2,597 $2,754
State Farm $2,994 $3,173 $3,298
Travelers $3,226 $3,359 $3,582
USAA $3,150 $3,223 $3,339

Amsterdam, NY Car Insurance Rates by Age, Gender, and Marital Status

Amsterdam, New York car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Amsterdam, NY car insurance, get quotes from multiple car insurance companies in the Amsterdam area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Amsterdam, New York

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,461 $2,325 $2,314 $2,358 $7,354 $7,952 $2,438 $2,467
GEICO $1,387 $1,337 $1,351 $1,331 $2,949 $4,340 $1,249 $1,284
Liberty Mutual $3,400 $3,400 $3,168 $3,168 $6,609 $10,710 $3,400 $3,610
Nationwide $2,068 $2,068 $1,954 $1,954 $3,660 $5,437 $2,068 $2,629
Progressive $1,539 $1,433 $1,227 $1,250 $5,417 $6,041 $2,006 $1,965
State Farm $1,979 $1,979 $1,726 $1,726 $5,831 $7,520 $2,176 $2,304
Travelers $2,449 $2,477 $2,229 $2,395 $5,600 $6,648 $2,601 $2,714
USAA $1,678 $1,645 $1,523 $1,519 $6,863 $8,173 $2,139 $2,356

Amsterdam, NY Car Insurance Rates for Teens

How much is Amsterdam, New York car insurance for teens? Compare rates from top Amsterdam car insurance companies below to help find the cheapest teen car insurance in Amsterdam, NY.

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,354 $7,952
GEICO $2,949 $4,340
Liberty Mutual $6,609 $10,710
Nationwide $3,660 $5,437
Progressive $5,417 $6,041
State Farm $5,831 $7,520
Travelers $5,600 $6,648
USAA $6,863 $8,173

Amsterdam, NY Car Insurance Rates for Seniors

Before seniors buy Amsterdam, New York car insurance, they should make sure to shop around. Some Amsterdam, NY car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Amsterdam, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,314 $2,358
GEICO $1,351 $1,331
Liberty Mutual $3,168 $3,168
Nationwide $1,954 $1,954
Progressive $1,227 $1,250
State Farm $1,726 $1,726
Travelers $2,229 $2,395
USAA $1,523 $1,519

Amsterdam, NY Car Insurance Rates by Credit History

How does your credit history affect Amsterdam, NY car insurance rates? Review the numbers here to find out.

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

Insurance Company Poor Fair Good
Allstate $5,294 $3,126 $2,707
GEICO $2,385 $1,753 $1,573
Liberty Mutual $6,541 $4,288 $3,220
Nationwide $2,730 $2,730 $2,730
Progressive $4,103 $2,146 $1,580
State Farm $4,454 $2,793 $2,217
Travelers $4,650 $2,948 $2,569
USAA $4,981 $2,509 $2,222

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Amsterdam, NY Car Insurance Rates by Driver History

How does a single speeding ticket affect your Amsterdam, New York car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Amsterdam.

Annual Amsterdam, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,130 $3,130 $4,607 $3,968
GEICO $1,486 $1,620 $3,023 $1,486
Liberty Mutual $3,747 $3,747 $7,492 $3,747
Nationwide $2,094 $2,094 $4,589 $2,141
Progressive $2,537 $2,537 $2,813 $2,552
State Farm $3,005 $3,005 $3,304 $3,304
Travelers $2,912 $3,611 $3,662 $3,372
USAA $2,872 $2,920 $4,237 $2,920

Amsterdam, NY Car Insurance Rates With a DUI

Even a single DUI can increase your Amsterdam, NY car insurance rates. Compare rates below to see which Amsterdam car insurance company has the best rates for drivers with a DUI.

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,607
GEICO $3,023
Liberty Mutual $7,492
Nationwide $4,589
Progressive $2,813
State Farm $3,304
Travelers $3,662
USAA $4,237

Amsterdam, NY Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Amsterdam, NY car insurance rates may be. Let’s take a look at average car insurance rates from top Amsterdam companies based on commute time.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,659 $3,759
GEICO $1,848 $1,960
Liberty Mutual $4,552 $4,814
Nationwide $2,730 $2,730
Progressive $2,610 $2,610
State Farm $3,044 $3,265
Travelers $3,389 $3,389
USAA $3,205 $3,269

Amsterdam, NY Cheapest Car Insurance Rates

How do the top Amsterdam, New York car insurance companies’ average rates stack up against the Amsterdam average monthly car insurance rates of $265? Take a look and see.

Best Annual Car Insurance Rates by Company in Amsterdam, New York

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Progressive
With 1 Speeding Violation GEICO

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Amsterdam, NY Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Amsterdam, New York car insurance companies to help you find one that best fits your needs.

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

Insurance Company Average Annual Rates
Allstate $3,709
GEICO $1,904
Liberty Mutual $4,683
Nationwide $2,730
Progressive $2,610
State Farm $3,155
Travelers $3,389
USAA $3,237

Other Factors Affecting Amsterdam, NY Car Insurance Rates

Before you buy Amsterdam, New York car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Amsterdam, NY Commute Time

How does your Amsterdam, NY commute time compare with the average driver? In Amsterdam, the average commute is 21.9 minutes.

Amsterdam, NY Traffic

Spending time in Amsterdam traffic can lead to higher car insurance rates. According to INRIX data, Amsterdam, NY ranks as the 964th-most congested with traffic in the world.

Amsterdam, NY Car Insurance Quotes

Compare Amsterdam, NY car insurance quotes from multiple companies by entering your ZIP code now.