Cheap Quotes for Saint Albans, NY Car Insurance (2021)

Saint Albans, New York car insurance rates average $750 a month and New York law requires coverage of at least 25/50/10. By comparing rates from multiple Saint Albans, NY companies, you can find cheap Saint Albans 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

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Saint Albans, NY for senior drivers are $5,666/year
  • Average car insurance rates in Saint Albans, NY are $750/month
  • The cheapest car insurance company in Saint Albans is GEICO

How do the Saint Albans, New York monthly average car insurance rates of $750/month compare to nearby cities like Utica car insurance rates, Buffalo car insurance rates, and Syracuse car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Saint Albans, NY.

We’ll cover the New York minimum coverage requirements, New York car insurance laws, and Saint Albans, NY statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Saint Albans, New York companies to find the most affordable Saint Albans car insurance rates.

Enter your ZIP code above to find cheap Saint Albans, NY car insurance quotes today.

What are the minimum Saint Albans, NY car insurance requirements?

To meet New York minimum car insurance coverage requirements, Saint Albans, NY drivers need to carry at least 25/50/10 coverage.

Minimum Required Car Insurance Coverage in Saint Albans, 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 Saint Albans, NY car insurance rates?

Three of the criteria that most affect car insurance rates in Saint Albans, New York are age, gender, and marital status. Let’s take a look at how each of these stack up with top Saint Albans car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Saint Albans, 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 $6,027 $5,508 $5,776 $5,819 $18,151 $19,165 $5,604 $5,493
GEICO $4,166 $3,998 $3,995 $3,937 $8,596 $13,258 $3,723 $3,819
Liberty Mutual $9,619 $9,619 $8,953 $8,953 $18,817 $27,266 $9,619 $10,221
Nationwide $7,108 $7,108 $6,670 $6,670 $13,076 $19,834 $7,108 $9,245
Progressive $4,890 $4,342 $3,726 $3,835 $15,671 $16,780 $6,010 $5,467
State Farm $6,271 $6,271 $5,512 $5,512 $18,105 $21,981 $6,936 $7,152
Travelers $8,268 $7,643 $7,288 $7,356 $17,431 $19,497 $8,358 $8,121
USAA $3,642 $3,580 $3,325 $3,327 $15,089 $17,840 $4,697 $5,215

How much do teen drivers pay for car insurance in Saint Albans, NY?

Saint Albans, New York car insurance rates for teens are often higher than rates for other drivers. Compare Saint Albans car insurance rates from multiple Saint Albans, New York car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Saint Albans, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $18,151 $19,165
GEICO $8,596 $13,258
Liberty Mutual $18,817 $27,266
Nationwide $13,076 $19,834
Progressive $15,671 $16,780
State Farm $18,105 $21,981
Travelers $17,431 $19,497
USAA $15,089 $17,840

How much do senior drivers pay for car insurance in Saint Albans, NY?

With a little research, seniors can find affordable car insurance in Saint Albans, New York. Here’s a look at how the top Saint Albans car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Saint Albans, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,776 $5,819
GEICO $3,995 $3,937
Liberty Mutual $8,953 $8,953
Nationwide $6,670 $6,670
Progressive $3,726 $3,835
State Farm $5,512 $5,512
Travelers $7,288 $7,356
USAA $3,325 $3,327

How does coverage level affect Saint Albans, 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 Saint Albans, NY car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Saint Albans, New York

Insurance Company Low Medium High
Allstate $7,767 $8,858 $10,203
GEICO $5,305 $5,633 $6,122
Liberty Mutual $12,239 $12,850 $13,562
Nationwide $8,938 $9,500 $10,370
Progressive $7,069 $7,513 $8,188
State Farm $9,154 $9,774 $10,224
Travelers $9,817 $10,338 $11,330
USAA $6,793 $7,031 $7,444

How does your driving record affect Saint Albans, NY car insurance rates?

Safe driving pays off. The more traffic violations you have in Saint Albans, NY, the higher your car insurance rates will be. Compare rates based on driving infractions from top Saint Albans, New York companies.

Annual Saint Albans, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,489 $7,489 $11,200 $9,594
GEICO $4,358 $4,756 $9,273 $4,358
Liberty Mutual $10,107 $10,107 $21,214 $10,107
Nationwide $7,169 $7,169 $16,725 $7,348
Progressive $7,358 $7,358 $8,225 $7,419
State Farm $9,227 $9,227 $10,208 $10,208
Travelers $8,829 $11,310 $11,433 $10,410
USAA $6,338 $6,443 $9,134 $6,443

How does a DUI affect Saint Albans, NY car insurance rates?

With even one DUI on your record, you can see an increase in your Saint Albans, NY car insurance rates.

Annual Car Insurance Rates After a DUI in Saint Albans, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $11,200
GEICO $9,273
Liberty Mutual $21,214
Nationwide $16,725
Progressive $8,225
State Farm $10,208
Travelers $11,433
USAA $9,134

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How does your credit history affect Saint Albans, NY car insurance rates?

Take a look at the data here to see how your Saint Albans, New York car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Saint Albans, New York

Insurance Company Poor Fair Good
Allstate $13,275 $7,373 $6,181
GEICO $7,125 $5,236 $4,699
Liberty Mutual $18,088 $11,779 $8,784
Nationwide $9,602 $9,602 $9,602
Progressive $12,698 $5,902 $4,170
State Farm $13,709 $8,607 $6,837
Travelers $15,334 $8,797 $7,355
USAA $10,847 $5,544 $4,877

How does your commute affect Saint Albans, NY car insurance rates?

Saint Albans, 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 Saint Albans if you’re financing.

Annual Car Insurance Rates by Commute Length in Saint Albans, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $8,813 $9,073
GEICO $5,538 $5,835
Liberty Mutual $12,509 $13,258
Nationwide $9,602 $9,602
Progressive $7,590 $7,590
State Farm $9,337 $10,098
Travelers $10,495 $10,495
USAA $7,017 $7,162

Who has the cheapest Saint Albans, NY car insurance rates?

Here’s a breakdown of Saint Albans, New York car insurance rates by company. You can see which company offers the cheapest Saint Albans car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Saint Albans, 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 Saint Albans, NY car insurance companies?

Which Saint Albans, New York car insurance company will best fit your needs and budget? Check out this comparison of the top Saint Albans companies to find the one for you.

Average Annual Car Insurance Rates by Company in Saint Albans, New York

Insurance Company Average Annual Rates
Allstate $8,943
GEICO $5,687
Liberty Mutual $12,884
Nationwide $9,602
Progressive $7,590
State Farm $9,717
Travelers $10,495
USAA $7,089

Car Insurance Quotes for Saint Albans, NY

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