A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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: Jun 7, 2022

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Just What's Essential

  • Average car insurance rates in Kinderhook, NY are $304/month
  • The cheapest car insurance company in Kinderhook after a DUI is GEICO
  • Average car insurance rates in Kinderhook, NY for senior drivers are $2,255/year

Average car insurance rates in Kinderhook, New York are $304 a month. But with a little research you can get a great deal from the top car insurance companies in Kinderhook, NY. Before you buy Kinderhook, 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 Kinderhook car insurance rates with Albany car insurance rates, Schenectady car insurance rates, or Mount Vernon car insurance rates to make sure you’re getting the best Kinderhook, NY car insurance quotes available.

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

Kinderhook, NY Minimum Car Insurance Coverage

Kinderhook, 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 Kinderhook, 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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Kinderhook, NY Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $3,548 $3,720 $3,926
GEICO $1,950 $2,053 $2,182
Liberty Mutual $6,132 $6,393 $6,714
Nationwide $3,031 $3,200 $3,448
Progressive $2,955 $3,094 $3,283
State Farm $3,390 $3,590 $3,729
Travelers $3,498 $3,650 $3,916
USAA $3,312 $3,393 $3,526

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Kinderhook, 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 $2,482 $2,345 $2,330 $2,374 $7,384 $7,982 $2,462 $2,491
GEICO $1,520 $1,464 $1,477 $1,456 $3,173 $4,623 $1,372 $1,408
Liberty Mutual $4,644 $4,644 $4,322 $4,322 $9,063 $14,728 $4,644 $4,936
Nationwide $2,433 $2,433 $2,295 $2,295 $4,336 $6,474 $2,433 $3,109
Progressive $1,873 $1,749 $1,496 $1,522 $6,372 $7,091 $2,421 $2,361
State Farm $2,256 $2,256 $1,962 $1,962 $6,552 $8,474 $2,474 $2,620
Travelers $2,687 $2,721 $2,431 $2,615 $6,050 $7,176 $2,849 $2,973
USAA $1,783 $1,754 $1,610 $1,615 $7,161 $8,549 $2,285 $2,526

Kinderhook, NY Car Insurance Rates for Teens

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,384 $7,982
GEICO $3,173 $4,623
Liberty Mutual $9,063 $14,728
Nationwide $4,336 $6,474
Progressive $6,372 $7,091
State Farm $6,552 $8,474
Travelers $6,050 $7,176
USAA $7,161 $8,549

Kinderhook, NY Car Insurance Rates for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,330 $2,374
GEICO $1,477 $1,456
Liberty Mutual $4,322 $4,322
Nationwide $2,295 $2,295
Progressive $1,496 $1,522
State Farm $1,962 $1,962
Travelers $2,431 $2,615
USAA $1,610 $1,615

Kinderhook, NY Car Insurance Rates by Credit History

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

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

Insurance Company Poor Fair Good
Allstate $5,324 $3,145 $2,725
GEICO $2,583 $1,898 $1,703
Liberty Mutual $8,980 $5,868 $4,390
Nationwide $3,226 $3,226 $3,226
Progressive $4,933 $2,541 $1,858
State Farm $5,041 $3,160 $2,508
Travelers $5,084 $3,199 $2,781
USAA $5,284 $2,627 $2,319

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Kinderhook, NY Car Insurance Rates by Driver History

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

Annual Kinderhook, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,152 $3,152 $4,630 $3,990
GEICO $1,626 $1,771 $3,225 $1,626
Liberty Mutual $5,126 $5,126 $10,273 $5,126
Nationwide $2,459 $2,459 $5,473 $2,515
Progressive $3,025 $3,025 $3,350 $3,043
State Farm $3,405 $3,405 $3,734 $3,734
Travelers $3,180 $3,924 $3,978 $3,669
USAA $3,036 $3,085 $4,436 $3,085

Kinderhook, NY Car Insurance Rates With a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,630
GEICO $3,225
Liberty Mutual $10,273
Nationwide $5,473
Progressive $3,350
State Farm $3,734
Travelers $3,978
USAA $4,436

Kinderhook, NY Car Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,681 $3,782
GEICO $2,001 $2,122
Liberty Mutual $6,232 $6,593
Nationwide $3,226 $3,226
Progressive $3,111 $3,111
State Farm $3,444 $3,695
Travelers $3,688 $3,688
USAA $3,376 $3,445

Kinderhook, NY Cheapest Car Insurance Rates

How do the top Kinderhook, New York car insurance companies’ average rates stack up against the Kinderhook average monthly car insurance rates of $304? Take a look and see.

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

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

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Kinderhook, NY Top Car Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $3,731
GEICO $2,062
Liberty Mutual $6,413
Nationwide $3,226
Progressive $3,111
State Farm $3,570
Travelers $3,688
USAA $3,410

Other Factors Affecting Kinderhook, NY Car Insurance Rates

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

Kinderhook, NY Commute Time

How does your Kinderhook, NY commute time compare with the average driver? In Kinderhook, the average commute is 32.9 minutes.

Kinderhook, NY Car Insurance Quotes

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