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: Aug 2, 2021

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Just What's Essential

  • Average car insurance rates in Niskayuna, NY are $269/month
  • The cheapest car insurance company in Niskayuna for teen drivers is GEICO
  • Average car insurance rates in Niskayuna, NY for senior drivers are $1,976/year

Average car insurance rates in Niskayuna, New York are $269 a month. But with a little research you can get a great deal from the top car insurance companies in Niskayuna, NY. Before you buy Niskayuna, 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 Niskayuna car insurance rates with Mount Vernon car insurance rates, New York car insurance rates, or Yonkers car insurance rates to make sure you’re getting the best Niskayuna, NY car insurance quotes available.

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

Niskayuna, NY Minimum Car Insurance Coverage

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

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

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

Insurance Company Low Medium High
Allstate $3,525 $3,698 $3,903
GEICO $2,004 $2,121 $2,248
Liberty Mutual $4,564 $4,780 $5,049
Nationwide $2,582 $2,719 $2,908
Progressive $2,714 $2,845 $3,009
State Farm $2,977 $3,172 $3,308
Travelers $3,318 $3,447 $3,637
USAA $2,922 $3,006 $3,139

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Niskayuna, 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 $1,530 $1,476 $1,493 $1,471 $3,309 $4,918 $1,375 $1,421
Liberty Mutual $3,474 $3,474 $3,239 $3,239 $6,794 $11,001 $3,474 $3,683
Nationwide $2,063 $2,063 $1,949 $1,949 $3,694 $5,484 $2,063 $2,626
Progressive $1,655 $1,535 $1,319 $1,341 $6,004 $6,706 $2,169 $2,120
State Farm $1,948 $1,948 $1,705 $1,705 $5,892 $7,586 $2,150 $2,284
Travelers $2,441 $2,455 $2,254 $2,412 $5,863 $6,998 $2,605 $2,711
USAA $1,570 $1,539 $1,434 $1,428 $6,408 $7,594 $2,001 $2,204

Niskayuna, NY Car Insurance Rates for Teens

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,354 $7,952
GEICO $3,309 $4,918
Liberty Mutual $6,794 $11,001
Nationwide $3,694 $5,484
Progressive $6,004 $6,706
State Farm $5,892 $7,586
Travelers $5,863 $6,998
USAA $6,408 $7,594

Niskayuna, NY Car Insurance Rates for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,314 $2,358
GEICO $1,493 $1,471
Liberty Mutual $3,239 $3,239
Nationwide $1,949 $1,949
Progressive $1,319 $1,341
State Farm $1,705 $1,705
Travelers $2,254 $2,412
USAA $1,434 $1,428

Niskayuna, NY Car Insurance Rates by Credit History

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

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

Insurance Company Poor Fair Good
Allstate $5,294 $3,126 $2,707
GEICO $2,662 $1,955 $1,755
Liberty Mutual $6,702 $4,393 $3,297
Nationwide $2,736 $2,736 $2,736
Progressive $4,472 $2,356 $1,740
State Farm $4,451 $2,791 $2,216
Travelers $4,726 $3,030 $2,646
USAA $4,608 $2,365 $2,093

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Niskayuna, NY Car Insurance Rates by Driver History

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

Annual Niskayuna, 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 $1,645 $1,795 $3,412 $1,645
Liberty Mutual $3,817 $3,817 $7,740 $3,817
Nationwide $2,101 $2,101 $4,596 $2,147
Progressive $2,776 $2,776 $3,081 $2,793
State Farm $2,998 $2,998 $3,307 $3,307
Travelers $2,944 $3,709 $3,764 $3,452
USAA $2,676 $2,721 $3,972 $2,721

Niskayuna, NY Car Insurance Rates With a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,607
GEICO $3,412
Liberty Mutual $7,740
Nationwide $4,596
Progressive $3,081
State Farm $3,307
Travelers $3,764
USAA $3,972

Niskayuna, NY Car Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,659 $3,759
GEICO $2,061 $2,188
Liberty Mutual $4,664 $4,931
Nationwide $2,736 $2,736
Progressive $2,856 $2,856
State Farm $3,043 $3,262
Travelers $3,467 $3,467
USAA $2,992 $3,052

Niskayuna, NY Cheapest Car Insurance Rates

How do the top Niskayuna, New York car insurance companies’ average rates stack up against the Niskayuna average monthly car insurance rates of $269? Take a look and see.

Best Annual Car Insurance Rates by Company in Niskayuna, 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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Niskayuna, NY Top Car Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $3,709
GEICO $2,124
Liberty Mutual $4,797
Nationwide $2,736
Progressive $2,856
State Farm $3,152
Travelers $3,467
USAA $3,022

Other Factors Affecting Niskayuna, NY Car Insurance Rates

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

Niskayuna, NY Commute Time

How does your Niskayuna, NY commute time compare with the average driver? In Niskayuna, the average commute is 24.1 minutes.

Niskayuna, NY Car Insurance Quotes

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