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: Apr 13, 2022

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Just What's Essential

  • The cheapest car insurance company in Oswego after a DUI is Progressive
  • Average car insurance rates in Oswego, NY for senior drivers are $1,964/year
  • Average car insurance rates in Oswego, NY are $265/month

Average car insurance rates in Oswego, New York are $265 a month. But with a little research you can get a great deal from the top car insurance companies in Oswego, NY. Before you buy Oswego, 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 Oswego car insurance rates with Syracuse car insurance rates, Yonkers car insurance rates, or New Rochelle car insurance rates to make sure you’re getting the best Oswego, NY car insurance quotes available.

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

Oswego, NY Minimum Car Insurance Coverage

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

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

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

Insurance Company Low Medium High
Allstate $3,479 $3,651 $3,857
GEICO $1,772 $1,865 $1,970
Liberty Mutual $4,802 $4,988 $5,221
Nationwide $2,716 $2,850 $3,045
Progressive $2,407 $2,518 $2,664
State Farm $3,094 $3,292 $3,435
Travelers $3,130 $3,253 $3,458
USAA $2,914 $2,983 $3,091

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Oswego, 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 $2,417 $2,282 $2,278 $2,324 $7,301 $7,901 $2,385 $2,412
GEICO $1,363 $1,314 $1,329 $1,309 $2,890 $4,254 $1,228 $1,266
Liberty Mutual $3,631 $3,631 $3,383 $3,383 $7,065 $11,451 $3,631 $3,854
Nationwide $2,172 $2,172 $2,051 $2,051 $3,851 $5,729 $2,172 $2,765
Progressive $1,512 $1,410 $1,209 $1,229 $5,209 $5,800 $1,958 $1,909
State Farm $2,059 $2,059 $1,799 $1,799 $6,047 $7,776 $2,264 $2,385
Travelers $2,346 $2,365 $2,149 $2,302 $5,481 $6,509 $2,493 $2,597
USAA $1,561 $1,532 $1,415 $1,413 $6,324 $7,540 $1,991 $2,194

Oswego, NY Car Insurance Rates for Teens

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,301 $7,901
GEICO $2,890 $4,254
Liberty Mutual $7,065 $11,451
Nationwide $3,851 $5,729
Progressive $5,209 $5,800
State Farm $6,047 $7,776
Travelers $5,481 $6,509
USAA $6,324 $7,540

Oswego, NY Car Insurance Rates for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,278 $2,324
GEICO $1,329 $1,309
Liberty Mutual $3,383 $3,383
Nationwide $2,051 $2,051
Progressive $1,209 $1,229
State Farm $1,799 $1,799
Travelers $2,149 $2,302
USAA $1,415 $1,413

Oswego, NY Car Insurance Rates by Credit History

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

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

Insurance Company Poor Fair Good
Allstate $5,232 $3,086 $2,670
GEICO $2,342 $1,721 $1,544
Liberty Mutual $6,993 $4,581 $3,436
Nationwide $2,870 $2,870 $2,870
Progressive $3,987 $2,075 $1,526
State Farm $4,617 $2,900 $2,304
Travelers $4,494 $2,857 $2,489
USAA $4,621 $2,317 $2,051

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Oswego, NY Car Insurance Rates by Driver History

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

Annual Oswego, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,082 $3,082 $4,563 $3,922
GEICO $1,463 $1,595 $2,956 $1,463
Liberty Mutual $3,994 $3,994 $8,032 $3,994
Nationwide $2,197 $2,197 $4,839 $2,247
Progressive $2,460 $2,460 $2,724 $2,475
State Farm $3,118 $3,118 $3,429 $3,429
Travelers $2,802 $3,502 $3,554 $3,263
USAA $2,655 $2,699 $3,933 $2,699

Oswego, NY Car Insurance Rates With a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,563
GEICO $2,956
Liberty Mutual $8,032
Nationwide $4,839
Progressive $2,724
State Farm $3,429
Travelers $3,554
USAA $3,933

Oswego, NY Car Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,613 $3,712
GEICO $1,814 $1,924
Liberty Mutual $4,864 $5,143
Nationwide $2,870 $2,870
Progressive $2,530 $2,530
State Farm $3,157 $3,390
Travelers $3,280 $3,280
USAA $2,967 $3,026

Oswego, NY Cheapest Car Insurance Rates

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

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

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

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

Insurance Company Average Annual Rates
Allstate $3,662
GEICO $1,869
Liberty Mutual $5,003
Nationwide $2,870
Progressive $2,530
State Farm $3,273
Travelers $3,280
USAA $2,996

Other Factors Affecting Oswego, NY Car Insurance Rates

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

Oswego, NY Commute Time

How does your Oswego, NY commute time compare with the average driver? In Oswego, the average commute is 16.5 minutes.

Oswego, NY Car Insurance Quotes

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