Best Saratoga Springs, New York Auto Insurance in 2024
The average Saratoga Springs, NY auto insurance rates are $258 per month. The minimum auto insurance in Saratoga Springs is at least 25/50/10 in coverage to comply with New York auto insurance laws. To find the best cheap auto insurance in Saratoga Springs, New York, compare quotes from multiple companies.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Aug 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare 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 auto insurance rates in Saratoga Springs, NY for senior drivers are $1,897 per year
- The cheapest auto insurance company in Saratoga Springs is Geico
- The most expensive auto insurance company in Saratoga Springs for teen drivers is Liberty Mutual
Saratoga Springs, New York auto insurance requirements are 25/50/10 according to New York auto insurance laws. Finding cheap auto insurance in Saratoga Springs can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Saratoga Springs, New York, including driving record, credit, commute time, and more.
Compare auto insurance in Saratoga Springs to other New York cities, including Syracuse auto insurance rates, New York auto insurance rates, and New Rochelle auto insurance rates to see how Saratoga Springs, New York auto insurance rates stack up.
Before you buy Saratoga Springs, New York auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Saratoga Springs, New York auto insurance quotes.
Minimum Auto Insurance in Saratoga Springs, New York
Saratoga Springs, New York auto insurance laws require that you have at least the New York minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Saratoga Springs, 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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Cheap Saratoga Springs, New York Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Saratoga Springs, New York are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $1,405 | $1,354 | $1,369 | $1,349 | $3,001 | $4,431 | $1,263 | $1,301 |
| Liberty Mutual | $3,278 | $3,278 | $3,057 | $3,057 | $6,397 | $10,354 | $3,278 | $3,474 |
| Nationwide | $2,043 | $2,043 | $1,930 | $1,930 | $3,658 | $5,430 | $2,043 | $2,600 |
| Progressive | $1,588 | $1,478 | $1,271 | $1,290 | $5,681 | $6,346 | $2,076 | $2,031 |
| State Farm | $1,882 | $1,882 | $1,644 | $1,644 | $5,636 | $7,276 | $2,073 | $2,205 |
| Travelers | $2,320 | $2,337 | $2,140 | $2,290 | $5,513 | $6,580 | $2,470 | $2,571 |
| USAA | $1,484 | $1,455 | $1,356 | $1,349 | $6,076 | $7,207 | $1,888 | $2,076 |
Cheap Saratoga Springs, New York Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Saratoga Springs, New York is a challenge. Take a look at the annual teen auto insurance rates in Saratoga Springs, New York.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,354 | $7,952 |
| Geico | $3,001 | $4,431 |
| Liberty Mutual | $6,397 | $10,354 |
| Nationwide | $3,658 | $5,430 |
| Progressive | $5,681 | $6,346 |
| State Farm | $5,636 | $7,276 |
| Travelers | $5,513 | $6,580 |
| USAA | $6,076 | $7,207 |
Cheap Saratoga Springs, New York Auto Insurance for Seniors
What are senior auto insurance rates in Saratoga Springs, New York? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,314 | $2,358 |
| Geico | $1,369 | $1,349 |
| Liberty Mutual | $3,057 | $3,057 |
| Nationwide | $1,930 | $1,930 |
| Progressive | $1,271 | $1,290 |
| State Farm | $1,644 | $1,644 |
| Travelers | $2,140 | $2,290 |
| USAA | $1,356 | $1,349 |
Cheap Saratoga Springs, New York Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Saratoga Springs, New York compared to the annual auto insurance rates with a clean record in Saratoga Springs, New York.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,130 | $3,130 | $4,607 | $3,968 |
| Geico | $1,505 | $1,642 | $3,084 | $1,505 |
| Liberty Mutual | $3,600 | $3,600 | $7,285 | $3,600 |
| Nationwide | $2,081 | $2,081 | $4,549 | $2,128 |
| Progressive | $2,644 | $2,644 | $2,931 | $2,661 |
| State Farm | $2,884 | $2,884 | $3,176 | $3,176 |
| Travelers | $2,791 | $3,503 | $3,555 | $3,262 |
| USAA | $2,534 | $2,577 | $3,758 | $2,577 |
Cheap Saratoga Springs, New York Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Saratoga Springs, New York is not easy. Compare the annual rates for DUI auto insurance in Saratoga Springs, New York to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,607 |
| Geico | $3,084 |
| Liberty Mutual | $7,285 |
| Nationwide | $4,549 |
| Progressive | $2,931 |
| State Farm | $3,176 |
| Travelers | $3,555 |
| USAA | $3,758 |
Cheap Saratoga Springs, New York Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Saratoga Springs, New York annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,294 | $3,126 | $2,707 |
| Geico | $2,424 | $1,781 | $1,598 |
| Liberty Mutual | $6,313 | $4,141 | $3,111 |
| Nationwide | $2,710 | $2,710 | $2,710 |
| Progressive | $4,259 | $2,244 | $1,658 |
| State Farm | $4,278 | $2,683 | $2,130 |
| Travelers | $4,483 | $2,859 | $2,491 |
| USAA | $4,370 | $2,234 | $1,979 |
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Cheap Saratoga Springs, New York Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Saratoga Springs, New York can vary. Compare the annual cost of auto insurance by ZIP code in Saratoga Springs, New York to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 12866 | $3,170 |
Cheap Saratoga Springs, New York Auto Insurance Rates By Commute
Commute length and annual mileage affect Saratoga Springs, New York auto insurance. Find the cheapest annual Saratoga Springs, New York auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,659 | $3,759 |
| Geico | $1,877 | $1,991 |
| Liberty Mutual | $4,396 | $4,647 |
| Nationwide | $2,710 | $2,710 |
| Progressive | $2,720 | $2,720 |
| State Farm | $2,926 | $3,135 |
| Travelers | $3,278 | $3,278 |
| USAA | $2,833 | $2,890 |
Cheap Saratoga Springs, New York Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Saratoga Springs, New York? Check out the comparison of annual Saratoga Springs, New York auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,525 | $3,698 | $3,903 |
| Geico | $1,816 | $1,927 | $2,059 |
| Liberty Mutual | $4,304 | $4,504 | $4,756 |
| Nationwide | $2,557 | $2,691 | $2,881 |
| Progressive | $2,587 | $2,710 | $2,863 |
| State Farm | $2,862 | $3,049 | $3,179 |
| Travelers | $3,121 | $3,252 | $3,460 |
| USAA | $2,769 | $2,846 | $2,969 |
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Best By Category: Cheapest Auto Insurance in Saratoga Springs, New York
Compare the cheapest auto insurance companies in Saratoga Springs, New York in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Progressive |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | Geico |
The Cheapest Saratoga Springs, New York Auto Insurance Companies
What auto insurance companies in Saratoga Springs, New York are the cheapest? Compare the top Saratoga Springs, New York auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,709 |
| Geico | $1,934 |
| Liberty Mutual | $4,522 |
| Nationwide | $2,710 |
| Progressive | $2,720 |
| State Farm | $3,030 |
| Travelers | $3,278 |
| USAA | $2,861 |
What affects auto insurance rates in Saratoga Springs, New York?
There are a lot of reasons why auto insurance rates in Saratoga Springs, New York are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Saratoga Springs, New York. Many local factors may affect your Saratoga Springs auto insurance rates.
Saratoga Springs Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Saratoga Springs, New York commute length is 23.2 minutes according to City-Data.
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Compare Saratoga Springs, New York Auto Insurance Quotes
Before you buy Saratoga Springs, New York auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Saratoga Springs, New York auto insurance quotes.
Frequently Asked Questions
How can I lower my auto insurance rates in Saratoga Springs, New York?
There are several ways to lower your auto insurance rates in Saratoga Springs, New York. You can consider increasing your deductibles, maintaining a good driving record, bundling your auto insurance with other policies, asking about available discounts, and comparing quotes from multiple insurance companies to find the most affordable option.
What are the cheapest auto insurance companies in Saratoga Springs, New York?
The cheapest auto insurance companies in Saratoga Springs, New York can vary depending on individual factors such as age, driving record, and coverage needs. However, based on the information provided, Geico is mentioned as the cheapest auto insurance company in Saratoga Springs.
Are there any specific auto insurance requirements in Saratoga Springs, New York?
Yes, Saratoga Springs, New York has specific auto insurance requirements. The minimum coverage required by law is 25/50/10, which means you must have at least $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $10,000 in property damage liability coverage.
How does the type of coverage I choose impact my auto insurance rates in Saratoga Springs, New York?
The type of coverage you choose can affect your auto insurance rates in Saratoga Springs, New York. Opting for higher coverage limits or additional coverage options, such as comprehensive and collision coverage, will generally result in higher premiums. However, it provides greater protection in case of accidents or damage to your vehicle.
Does my credit history affect my auto insurance rates in Saratoga Springs, New York?
Yes, your credit history can affect your auto insurance rates in Saratoga Springs, New York. Insurance companies often consider credit history as a factor in assessing risk. Maintaining a good credit score can help you secure lower insurance premiums.
Can I get auto insurance if I have a poor driving record in Saratoga Springs, New York?
Yes, it is possible to get auto insurance with a poor driving record in Saratoga Springs, New York. However, insurance companies may consider drivers with a poor record to be high-risk, resulting in higher premiums. Shopping around and comparing quotes from multiple insurers can help you find coverage that suits your needs.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.