Background in communications for banks and credit unions
Jennifer is a content marketing writer specializing in the financial services and insurance industries. Her areas of expertise include budgeting, building credit, loans, and more.
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.
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Cheapest recent rates near Schenectady, New York
Recent Schenectady, New York car insurance prices for Toyota , and more.
*Quotes generated for Insurify users in and around Schenectady, New York within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Schenectady, New York within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
The best car insurance companies in Schenectady, New York, combine affordable rates with quality coverage that protects you financially if you have an accident. Drivers in Schenectady pay average rates of $184 per month for a liability-only policy and $301 for full-coverage insurance.
Your exact rate may differ from the city averages, depending on your coverage needs, driving record, vehicle type, credit history, age, and more.[1] But in general, car insurance in Schenectady costs much less than elsewhere in the state. On average, drivers in New York pay $457 per month for auto coverage.
Quick Facts
Liability-only quotes in Schenectady start at $75 per month from Safeco.
Drivers with a history of multiple accidents or a DUI face higher premiums.
Comparing quotes from multiple auto insurers can help you find the cheapest rates.
Best car insurance companies in Schenectady
The best car insurance company may look different for you and your neighbor because everyone has unique insurance needs. No matter what’s most important to you — whether that’s cheap prices, discount availability, quality customer service, or nonstandard coverage — you should get insurance from a company that aligns with your needs.
Find Car Insurance in Schenectady
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Insurance Company
▲▼
Best For
▲▼
Average Monthly Quote: Liability Only
▲▼
Insurify Quality Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best car insurance overall: Travelers
User Reviews
4.7
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$398/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$555/mo
4.7
Best choiceBased on 745 verified guest reviews and ratings
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (381)
Vicki
October 27, 2024
Verified Review
Good but Costly
I had a great experience with Travelers and would still be with them, but I got a better rate with another company.
Nancy
October 23, 2024
Verified Review
Not Great by Any Means
Be careful when you submit a claim! They actually owe me $1,000 from five years ago and I still haven't received it.
Birdie
October 21, 2024
Verified Review
Expensive
I've never needed any claims for over 40 years, have no tickets, and an excellent credit score, yet my rates increased by 50%.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index. A.M. Best gives the company an A++ for financial strength.
Pros
Accident forgiveness available
Robust coverage selections and discount offerings
Cons
Rideshare coverage only available in Colorado and Illinois
High number of negative customer reviews with the Better Business Bureau
Best cheap car insurance in Schenectady: Safeco
User Reviews
4.5
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$162/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$187/mo
4.5
Best choiceBased on 744 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (416)
Barbara
October 28, 2024
Verified Review
Insurance Keeps Going Up
Please stop raising prices.
Carlotta
October 24, 2024
Verified Review
Excellent
They handled everything very smoothly.
Shirley
October 22, 2024
Verified Review
My insurance has become so expensive that I can't afford it. I'm on Social Security. Both my car and house insurance have about doubled. I'm just trying to find something I can afford.
My insurance has become so expensive that I can't afford it. I'm on Social Security. Both my car and house insurance have about doubled. I'm just trying to find something I can afford.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Owned by Liberty Mutual, Safeco offers car, homeowners, renters, pet, and other insurance products. The company has been in busines since 1923, and provides new vehicle replacement coverage, rental car reimbursement, liability, and full-coverage policies. Safeco’s money-saving programs include accident forgiveness, a diminishing deductible, and a cash back program for customers who remain claims-free for six months. The company has an average amount of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and placed 13th on the J.D. Powers’ Overall Customer Satisfaction Index. A.M. Best gives Safeco a score of A for financial stability.
Pros
Pays cash back to customers who remain claims-free
Many options for customizing car insurance
Cons
Limited number of discounts
Customer reviews indicate room for improvement in customer service
Best car insurance in Schenectady for commuters: Liberty Mutual
User Reviews
3.7
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.7 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$193/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$282/mo
3.7
A solid optionBased on 2641 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,541)
Frank
October 29, 2024
Verified Review
Been with them for 27 years, but I'm unsure
They are expensive. We are low mileage drivers with three cars, and only my wife and I are driving.
Gary
October 29, 2024
Verified Review
Price Gouging!
They recently increased my premium from $182 to $231 per month for no apparent reason, other than a general raise for everyone.
Donald
October 29, 2024
Verified Review
Don't use them, they will increase your rate within the six-month period of your term! And that's with no claims!
Don't use them, they will increase your rate within the six-month period of your term! And that's with no claims!
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.95
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.
Pros
Wide range of available discounts
Accident forgiveness available
Cons
Many negative reviews and customer complaints
Premiums are relatively high compared to industry average
Best car insurance in Schenectady for homeowners: Midvale Home & Auto
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2 /10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Owned by American Family Insurance, Midvale offers auto and home insurance. In addition to liability, collision and comprehensive coverages, Midvale also offers gap insurance, rental car reimbursement, and roadside assistance. Discounts are pretty standard for the industry, including good student, multi-vehicle, multi-product, and pay-in-full discounts. Midvale as an excellent (A) rating from A.M. Best for financial stability. Customer complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index are only slightly higher than expected for the industry.
Pros
Backed by the financial strength of American Family
Optional gap insurance and roadside assistance available
Cons
Can’t get a quote online – must call an agent
Poor customer reviews with Better Business Bureau
Best car insurance in Schenectady for high-risk drivers: Bristol West
User Reviews
3.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
5.2 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$381/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$441/mo
3.2
A solid optionBased on 287 verified guest reviews and ratings
How drivers feel about Bristol West
Drivers appreciate the good rates and fast service but dislike the frequent price increases and difficulty in contacting customer support.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Drivers who've had a lapse in coverage
Rideshare coverage
How drivers feel about Bristol West
Drivers appreciate the good rates and fast service but dislike the frequent price increases and difficulty in contacting customer support.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Drivers who've had a lapse in coverage
Rideshare coverage
Reviews (142)
Jennifer
October 28, 2024
Verified Review
Policy Change
Excellent.
Jeana
October 22, 2024
Verified Review
Feeling Overcharged by Bristol West!
I'm disabled and only drive one mile a day to drop off and pick up my daughter. Last year, I was paying $100 less. Despite having no tickets, accidents, or any other incidents, I'm now paying $179 a month, which seems excessive!
Steve
October 21, 2024
Verified Review
The price for the insurance is a bit high considering I have a 2009 pickup. I feel the range is too high.
The price for the insurance is a bit high considering I have a 2009 pickup. I feel the range is too high.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.8
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Florida-based Bristol West Insurance Company started selling car insurance in 1973. Farmers Insurance now owns the company, which provides private car insurance in 43 states. Bristol specializes in writing policies for difficult-to-insure drivers – for example, those who’ve had a DUI or a lapse in coverage. In addition to liability, collision and comprehensive, Bristol offers optional coverages like rideshare insurance, and rental car coverage. A.M. Best gives Bristol an A rating for financial strength and credit. However, the company has a higher-than average number of complaints in the National Association of Insurance Commissioners Consumer Complaint Index.
Pros
Provides coverage for difficult-to-insure drivers
Offers rideshare coverage as an extension of your personal policy
Cons
Drivers with moving violations pay very high rates
Lower than average customer satisfaction
Cheapest recent rates near Schenectady, New York
Recent Schenectady, New York car insurance prices for Toyota , and more.
*Quotes generated for Insurify users in and around Schenectady, New York within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Schenectady, New York within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Liability-only vs. full-coverage insurance in Schenectady
Liability:Bodily injury and property damage liability coverage pay for other peoples’ injuries and property damage you cause in an accident. It doesn’t pay for your injuries or car repairs.
Uninsured motorist: This covers injuries to you and your passengers if an uninsured driver hits you.
Personal injury protection (PIP): This pays your medical bills, lost wages, and other expenses resulting from an accident, regardless of fault. It also covers your passengers and anyone who lives in your household.
Purchasing only mandatory insurance coverage may work if it would cost more to repair your car than it’s worth. However, purchasing full-coverage insurance,which includes collisionand comprehensive coverage, offers more protection if you have a newer or more expensive vehicle. If you have an auto loan or lease, your lender will likely require you to purchase full coverage.
Collision covers the cost to repair your vehicle if you cause an accident, hit a pothole, or run into a fixed object such as a fence or telephone pole. Comprehensive pays for repairs due to damage from severe weather, animals, vandalism, theft, or other non-accident-related events.[3]
All the top Schenectady auto insurers have average rates that fall significantly below the state average of $460 for liability only and $453 for full coverage. Liability-only rates start at $75 per month, and full-coverage insurance starts at $139.
Insurance Company
▲▼
Average Monthly Quote: Liability Only
▲▼
Average Monthly Quote: Full Coverage
▲▼
Travelers
N/A
$139
Safeco
$75
$167
Midvale Home & Auto
$173
$339
Bristol West
$224
$340
Liberty Mutual
$236
$354
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Schenectady, New York
Recent Schenectady, New York car insurance prices for Toyota , and more.
*Quotes generated for Insurify users in and around Schenectady, New York within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Schenectady, New York within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Schenectady car insurance rates by driving and accident history
Average monthly quotes for the cheapest car insurance in Schenectady after a DUI start at $276 per month from Travelers.
Insurance Company
▲▼
Clean Record
▲▼
At-Fault Accident
▲▼
With a DUI
▲▼
Speeding Ticket
▲▼
Travelers
$139
$198
$276
$186
Safeco
$167
$239
$333
$234
Midvale Home & Auto
$339
$484
$674
$454
Bristol West
$340
$486
$677
$456
Liberty Mutual
$354
$507
$705
$475
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Schenectady car insurance quotes by credit tier
Most states allow insurance companies to use a driver’s insurance-based credit score to help determine the cost of their premiums — and New York is no exception.[4]
Data shows that people with poor credit scoresare more likely to file an insurance claim than people with excellent or good credit scores,according to the Insurance Information Institute (III).[5] As a result, drivers with higher credit scorestypically pay lower rates.
Credit-based insurance scores differ from standard credit scores lenders use to determine interest rates for loans and lines of credit. However, both types of scores use the information found in your credit reports.
Schenectady car insurance rates by driver age
Insurance rates typically decrease as you gain more driving experience, as long as you maintain a clean driving record. Young drivers — especially teenagers — pay significantly more for coverage because they have less experience and a greater likelihood of getting into an accident.
Schenectady drivers with a clean record usually experience a significant decrease in rates in their 20s. In general, average auto insurance costs continue to decline steadily through your 60s.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Schenectady?
Car insurance costs an average of $243 a month in Schenectady, which falls slightly below the national average of $212 per month and significantly below the New York state average of $457 a month.
Prices can vary substantially based on where you live. For example, Brooklyn drivers pay an average of 174% more for car insurance than Schenectady drivers, while those in Rochester pay only 10% more. Many factors affect the price of car insurance, including accident rates in a specific location.
“Carriers have the ability to measure the traffic and amount of accidents in certain ZIP codes,” says James Hickey, executive vice president and head of personal lines at World Insurance Associates. “The more densely populated an area is, the greater the probability of an accident. Premiums are higher in the cities than they are in the suburbs and cheaper in rural areas,” says Hickey.
See how insurance costs in Schenectady compare with other popular cities in the state.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How to shop for the best car insurance in Schenectady
While you should consider the price of a policy, the best option for you may not qualify as the cheapest. Consider the following factors when shopping for the best car insurance in Schenectady:
Company rating: “You would not want to purchase insurance from an unrated or deficiently rated carrier that could go out of business at the time of a loss,” says Hickey, who recommends working with insurance providers that have an A.M. Best rating of “A” or above.
Coverage limits: You may feel tempted to settle for the state’s minimum coverage to keep your premium low. However, the minimum limits may not provide adequate protection if you have a serious accident. Consider purchasing more robust coverage to avoid high out-of-pocket costs.
Coverage options: Not all insurance companies offer the same types of coverage. Choose an insurer that has the coverage types you need. For example, Hickey recommends paying particular attention to rental reimbursement options. “Due to labor shortages as well as [a] lack of parts, your normal claim is taking well over 30 days to settle,” he says. If your policy provides 30 days of rental reimbursement coverage, that’ll expire quickly.
Convenience: How you prefer to manage your policy can make a difference in the insurance company you choose. Find out what options the insurer has for updating your policy and filing claims.
Find Car Insurance in Schenectady
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
How to get the cheapest car insurance in Schenectady
Insurance companies consider many factors when pricing a policy, including your driving record, location, age, credit history, vehicle type, and more. But insurers don’t weigh each factor equally.
Shopping around and comparing quotes from multiple insurers can help you find the cheapest coverage and narrow down your options. Consider the following tips to help you get the best rates possible:
Opt for higher deductibles. Increasing your deductibles for collision and comprehensive coverage typically results in a lower premium.[6]
Ask about discounts. Insurance companies often offer multiple ways to save. Confirm you’re getting all the discounts that you qualify for.
Report mileage properly. Insurance companies factor the number of miles you drive into pricing calculations. Make sure you submit an accurate number.
Schenectady car insurance FAQs
You have a lot to consider when shopping for car insurance. The information below should help you navigate the process of buying insurance in Schenectady.
Who has the cheapest car insurance in Schenectady?
Travelers, Safeco, and Midvale Home & Auto provide the cheapest car insurance in Schenectady. Safeco offers the lowest average rate for a liability-only policy, at $75 per month. Travelers has the lowest average rate for full coverage, at $139 per month.
If you’re in the market for a new insurance policy, you should get quotes from multiple companies. Insurers consider many factors when determining premiums, so rates can vary significantly by company.
How much does car insurance cost in Schenectady?
The average cost of car insurance in Schenectady is $184 per month for a liability-only policy and $301 for full-coverage insurance. Drivers in Schenectady earn more affordable rates than many other cities in the state.
What are the best car insurance companies in Schenectady?
The best car insurance companies in Schenectady include Travelers, Safeco, and Liberty Mutual. Travelers has an IQ Score of 4.3 and an average rate of $139 per month for full coverage. The company had significantly fewer complaints than expected in 2022, according to the NAIC, and earned solid financial strength ratings from A.M. Best, Moody’s, and Fitch.
Safeco and Liberty Mutual each earned an IQ Score of 3.8. Both insurers received solid financial strength ratings from A.M. Best.
At what age is car insurance cheapest?
Schenectady drivers in their 60s have the lowest average car insurance rates, likely because older drivers are involved in fewer accidents and file fewer claims. In general, younger drivers pose a higher risk to insurance companies, so they pay higher rates than drivers with more experience.
Is Schenectady within a no-fault state?
Yes. New York is a no-fault state. When you have an accident in a no-fault state, your insurance company covers the claim regardless of fault. No-fault states also limit the type of lawsuits you can file after an accident.
Jennifer Brozic is a content marketing writer, specializing in the financial services and insurance industries. She's committed to helping her clients create content that inspires people to take action. Her areas of expertise include insurance, financial planning & budgeting, building credit, loans, credit cards and more.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.
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