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 Ogdensburg, NY for senior drivers are $1,920/year
  • Average car insurance rates in Ogdensburg, NY are $257/month
  • The cheapest car insurance company in Ogdensburg after a DUI is Progressive

Average car insurance rates in Ogdensburg, New York are $257 a month. But with a little research you can get a great deal from the top car insurance companies in Ogdensburg, NY. Before you buy Ogdensburg, 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 Ogdensburg car insurance rates with Mount Vernon car insurance rates, Rochester car insurance rates, or New Rochelle car insurance rates to make sure you’re getting the best Ogdensburg, NY car insurance quotes available.

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

Ogdensburg, NY Minimum Car Insurance Coverage

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

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

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

Insurance Company Low Medium High
Allstate $3,329 $3,487 $3,674
GEICO $1,700 $1,788 $1,897
Liberty Mutual $4,456 $4,628 $4,848
Nationwide $2,536 $2,647 $2,811
Progressive $2,381 $2,484 $2,620
State Farm $3,178 $3,343 $3,459
Travelers $3,269 $3,402 $3,640
USAA $2,786 $2,844 $2,933

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ogdensburg, 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 $2,390 $2,267 $2,223 $2,260 $6,737 $7,224 $2,416 $2,455
GEICO $1,326 $1,278 $1,290 $1,271 $2,755 $4,009 $1,198 $1,231
Liberty Mutual $3,372 $3,372 $3,142 $3,142 $6,550 $10,619 $3,372 $3,582
Nationwide $2,035 $2,035 $1,924 $1,924 $3,535 $5,249 $2,035 $2,579
Progressive $1,526 $1,446 $1,244 $1,257 $5,002 $5,590 $1,966 $1,927
State Farm $2,112 $2,112 $1,834 $1,834 $6,084 $7,873 $2,313 $2,452
Travelers $2,492 $2,514 $2,264 $2,427 $5,686 $6,726 $2,639 $2,750
USAA $1,491 $1,463 $1,346 $1,345 $6,012 $7,189 $1,899 $2,090

Ogdensburg, NY Car Insurance Rates for Teens

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,737 $7,224
GEICO $2,755 $4,009
Liberty Mutual $6,550 $10,619
Nationwide $3,535 $5,249
Progressive $5,002 $5,590
State Farm $6,084 $7,873
Travelers $5,686 $6,726
USAA $6,012 $7,189

Ogdensburg, NY Car Insurance Rates for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,223 $2,260
GEICO $1,290 $1,271
Liberty Mutual $3,142 $3,142
Nationwide $1,924 $1,924
Progressive $1,244 $1,257
State Farm $1,834 $1,834
Travelers $2,264 $2,427
USAA $1,346 $1,345

Ogdensburg, NY Car Insurance Rates by Credit History

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

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

Insurance Company Poor Fair Good
Allstate $4,978 $2,946 $2,566
GEICO $2,248 $1,653 $1,483
Liberty Mutual $6,486 $4,253 $3,193
Nationwide $2,664 $2,664 $2,664
Progressive $3,927 $2,051 $1,507
State Farm $4,697 $2,945 $2,338
Travelers $4,736 $2,984 $2,591
USAA $4,423 $2,195 $1,945

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Ogdensburg, NY Car Insurance Rates by Driver History

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

Annual Ogdensburg, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,988 $2,988 $4,286 $3,724
GEICO $1,420 $1,547 $2,792 $1,420
Liberty Mutual $3,723 $3,723 $7,405 $3,723
Nationwide $2,044 $2,044 $4,480 $2,090
Progressive $2,430 $2,430 $2,676 $2,444
State Farm $3,175 $3,175 $3,478 $3,478
Travelers $2,951 $3,664 $3,717 $3,417
USAA $2,530 $2,572 $3,744 $2,572

Ogdensburg, NY Car Insurance Rates With a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,286
GEICO $2,792
Liberty Mutual $7,405
Nationwide $4,480
Progressive $2,676
State Farm $3,478
Travelers $3,717
USAA $3,744

Ogdensburg, NY Car Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,450 $3,543
GEICO $1,742 $1,847
Liberty Mutual $4,514 $4,774
Nationwide $2,664 $2,664
Progressive $2,495 $2,495
State Farm $3,211 $3,443
Travelers $3,437 $3,437
USAA $2,826 $2,883

Ogdensburg, NY Cheapest Car Insurance Rates

How do the top Ogdensburg, New York car insurance companies’ average rates stack up against the Ogdensburg average monthly car insurance rates of $257? Take a look and see.

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

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

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

Insurance Company Average Annual Rates
Allstate $3,497
GEICO $1,795
Liberty Mutual $4,644
Nationwide $2,664
Progressive $2,495
State Farm $3,327
Travelers $3,437
USAA $2,854

Other Factors Affecting Ogdensburg, NY Car Insurance Rates

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

Ogdensburg, NY Commute Time

How does your Ogdensburg, NY commute time compare with the average driver? In Ogdensburg, the average commute is 15.3 minutes.

Ogdensburg, NY Car Insurance Quotes

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