Cheap Quotes for Guilderland, NY Car Insurance (2024)
Guilderland, New York car insurance rates average $269 a month and New York law requires coverage of at least 25/50/10. By comparing rates from multiple Guilderland, NY companies, you can find cheap Guilderland car insurance quotes to fit your needs and budget.
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
UPDATED: Mar 19, 2024
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Mar 19, 2024
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Guilderland, NY are $269/month
- The cheapest car insurance company in Guilderland is Geico
- Average car insurance rates in Guilderland, NY for senior drivers are $1,972/year
How do the Guilderland, New York monthly average car insurance rates of $269/month compare to nearby cities like Mount Vernon car insurance rates, Syracuse car insurance rates, and Schenectady car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Guilderland, NY.
We’ll cover the New York minimum coverage requirements, New York car insurance laws, and Guilderland, NY statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Guilderland, New York companies to find the most affordable Guilderland car insurance rates.
Enter your ZIP code above to find cheap Guilderland, NY car insurance quotes today.
What are the minimum Guilderland, NY car insurance requirements?
To meet New York minimum car insurance coverage requirements, Guilderland, NY drivers need to carry at least 25/50/10 coverage.
| 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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How do age, gender, and marital status affect Guilderland, NY car insurance rates?
Three of the criteria that most affect car insurance rates in Guilderland, New York are age, gender, and marital status. Let’s take a look at how each of these stack up with top Guilderland car insurance companies.
| 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 | $1,446 | $1,395 | $1,411 | $1,390 | $3,117 | $4,626 | $1,300 | $1,343 |
| Liberty Mutual | $3,353 | $3,353 | $3,125 | $3,125 | $6,539 | $10,591 | $3,353 | $3,555 |
| Nationwide | $2,041 | $2,041 | $1,929 | $1,929 | $3,658 | $5,430 | $2,041 | $2,598 |
| Progressive | $1,733 | $1,620 | $1,395 | $1,413 | $6,096 | $6,813 | $2,259 | $2,207 |
| State Farm | $1,942 | $1,942 | $1,700 | $1,700 | $5,879 | $7,582 | $2,142 | $2,279 |
| Travelers | $2,602 | $2,625 | $2,400 | $2,573 | $6,242 | $7,472 | $2,777 | $2,895 |
| USAA | $1,532 | $1,502 | $1,397 | $1,391 | $6,246 | $7,415 | $1,952 | $2,149 |
How much do teen drivers pay for car insurance in Guilderland, NY?
Guilderland, New York car insurance rates for teens are often higher than rates for other drivers. Compare Guilderland car insurance rates from multiple Guilderland, New York car insurance companies to get the best deal.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,354 | $7,952 |
| Geico | $3,117 | $4,626 |
| Liberty Mutual | $6,539 | $10,591 |
| Nationwide | $3,658 | $5,430 |
| Progressive | $6,096 | $6,813 |
| State Farm | $5,879 | $7,582 |
| Travelers | $6,242 | $7,472 |
| USAA | $6,246 | $7,415 |
How much do senior drivers pay for car insurance in Guilderland, NY?
With a little research, seniors can find affordable car insurance in Guilderland, New York. Here’s a look at how the top Guilderland car insurance companies stack up.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,314 | $2,358 |
| Geico | $1,411 | $1,390 |
| Liberty Mutual | $3,125 | $3,125 |
| Nationwide | $1,929 | $1,929 |
| Progressive | $1,395 | $1,413 |
| State Farm | $1,700 | $1,700 |
| Travelers | $2,400 | $2,573 |
| USAA | $1,397 | $1,391 |
How does coverage level affect Guilderland, NY car insurance rates?
How much coverage do you need? Are you comfortable with the New York minimum of 25/50/10 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Guilderland, NY car insurance rates will be. Let’s take a look.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,525 | $3,698 | $3,903 |
| Geico | $1,899 | $2,003 | $2,110 |
| Liberty Mutual | $4,407 | $4,607 | $4,859 |
| Nationwide | $2,546 | $2,689 | $2,890 |
| Progressive | $2,800 | $2,931 | $3,095 |
| State Farm | $2,958 | $3,167 | $3,312 |
| Travelers | $3,525 | $3,672 | $3,899 |
| USAA | $2,855 | $2,933 | $3,055 |
How does your driving record affect Guilderland, NY car insurance rates?
Safe driving pays off. The more traffic violations you have in Guilderland, NY, the higher your car insurance rates will be. Compare rates based on driving infractions from top Guilderland, New York companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,130 | $3,130 | $4,607 | $3,968 |
| Geico | $1,555 | $1,696 | $3,209 | $1,555 |
| Liberty Mutual | $3,689 | $3,689 | $7,431 | $3,689 |
| Nationwide | $2,080 | $2,080 | $4,546 | $2,127 |
| Progressive | $2,861 | $2,861 | $3,166 | $2,879 |
| State Farm | $2,992 | $2,992 | $3,300 | $3,300 |
| Travelers | $3,145 | $3,954 | $4,012 | $3,682 |
| USAA | $2,609 | $2,652 | $3,879 | $2,652 |
How does a DUI affect Guilderland, NY car insurance rates?
With even one DUI on your record, you can see an increase in your Guilderland, NY car insurance rates.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,607 |
| Geico | $3,209 |
| Liberty Mutual | $7,431 |
| Nationwide | $4,546 |
| Progressive | $3,166 |
| State Farm | $3,300 |
| Travelers | $4,012 |
| USAA | $3,879 |
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How does your credit history affect Guilderland, NY car insurance rates?
Take a look at the data here to see how your Guilderland, New York car insurance rates are affected by your credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,294 | $3,126 | $2,707 |
| Geico | $2,511 | $1,844 | $1,656 |
| Liberty Mutual | $6,458 | $4,235 | $3,180 |
| Nationwide | $2,708 | $2,708 | $2,708 |
| Progressive | $4,613 | $2,425 | $1,788 |
| State Farm | $4,441 | $2,785 | $2,211 |
| Travelers | $5,056 | $3,226 | $2,813 |
| USAA | $4,508 | $2,300 | $2,036 |
How does your commute affect Guilderland, NY car insurance rates?
Guilderland, NY car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for New York can be seen here. Remember, though, that you may have to carry substantially more car insurance in Guilderland if you’re financing.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,659 | $3,759 |
| Geico | $1,944 | $2,063 |
| Liberty Mutual | $4,496 | $4,753 |
| Nationwide | $2,708 | $2,708 |
| Progressive | $2,942 | $2,942 |
| State Farm | $3,037 | $3,254 |
| Travelers | $3,698 | $3,698 |
| USAA | $2,919 | $2,977 |
Who has the cheapest Guilderland, NY car insurance rates?
Here’s a breakdown of Guilderland, New York car insurance rates by company. You can see which company offers the cheapest Guilderland car insurance rates in each category.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | Geico |
Read more: Who offers the best car insurance in NY?
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What are the top Guilderland, NY car insurance companies?
Which Guilderland, New York car insurance company will best fit your needs and budget? Check out this comparison of the top Guilderland companies to find the one for you.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,709 |
| Geico | $2,004 |
| Liberty Mutual | $4,624 |
| Nationwide | $2,708 |
| Progressive | $2,942 |
| State Farm | $3,146 |
| Travelers | $3,698 |
| USAA | $2,948 |
Car Insurance Quotes for Guilderland, NY
Shop for affordable Guilderland, New York car insurance rates today. Enter your ZIP code to compare quotes from multiple Guilderland, NY car insurance companies.
Compare quotes from the top car insurance companies and save
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.