Cheap Quotes for Guilderland, NY Car Insurance (2021)

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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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • 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.

Minimum Required Car Insurance Coverage in Guilderland, 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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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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Guilderland, 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 $1,446 $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.

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

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.

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

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.

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

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.

Annual Guilderland, 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 $1,555 $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.

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

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.

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

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.

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

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.

Best Annual Car Insurance Rates by Company in Guilderland, New York

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Progressive
With 1 Speeding Violation GEICO

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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.

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

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

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