Best Cheap Car Insurance in Schenectady, New York 2022

Find out if you're getting ripped off on your car insurance in less than two minutes.
Find insurance savings (100% Free)
No long forms · No spam · No fees
App rating
Insurance Quotes
Happy users
Savings found every month
Single-car drivers in Schenectady pay an average of $3,414 annually for car insurance. That’s about $285 per month to insure your car.
Schenectady is the seat of Schenectady County, about 15 miles northwest of Albany, New York’s capital. It’s an industrial area, and an outcrop amidst a rather rural county. For that reason, driving tends to be pretty easy in a city of around 67,000. However, Schenectady has a reasonably high crime rate, which pushes car insurance costs a little above the rest of upstate New York. Still, it’s possible to find cheap car insurance.

Jump to:

Whether you stick to your state’s minimum liability requirements or opt for a full-coverage policy with comprehensive and collision insurance, your home state plays a big role in determining how much you pay to protect your wallet against car-related expenses.
To find the best coverage options for your vehicle in New York, download Jerry, the world’s first super app for car owners and your key to optimized insurance!

Best car insurance companies in Schenectady

There’s no single company that offers the best rate to everyone in Schenectady . If you’ve recently moved or are looking to optimize your coverage, the best option is to compare multiple quotes from different companies. Sound like a drag? The Jerry app can get it done in a matter of seconds, saving you time and money while setting you up with the best coverage available!
Take a look at the table below for comparison of real Jerry customers’ rates in Schenectady :
Insurance Company
Average Cost
Annual Savings with Jerry
Allstate$4,046$1,255Compare Prices
Nationwide$2,193$1,117Compare Prices
Travelers$2,857$980Compare Prices
Progressive$3,486$794Compare Prices
Safeco$2,639$719Compare Prices
Kemper$1,400$628Compare Prices

Check out insurance company reviews from real Jerry customers:

No complaints
Great company. Awesome rate
No bad experience we and at a great cost
They are great as the State Farm in saint francisville la you couldn’t ask for a nicer lady she’s been helping since I moved here 7 years ago and at the beginning when we met I didn’t even have insurance through her for the first couple of years that I lived here but she went out her way to help me when I needed paperwork notarized so when I got insurance for my son I went through her and I’m wanting her to give me a estimate on my truck now
No matter what provider you choose, you’ll need to meet your state’s minimum legal requirements for car insurance. In most cases, that means buying a certain amount of liability insurance, but you may also need to carry uninsured motorist coverage, medical payments coverage, or personal injury protection.
State requirements and risk assessments associated with zip codes mean your rate could vary not just from state to state or city to city, but block to block! With so many factors at play, finding the best coverage becomes dizzyingly complex. That’s why Jerry exists: to simplify car insurance comparison with authoritative quotes from over 55 top insurance providers.
Here’s what actual Jerry customers pay:
Quote DateCarZip CodeNameAgeInsurance Company
Before Jerry
After Jerry
September 11, 2022Pontiac G6 GT12306Jesus B.31Bristol West$100/mo.$95/mo.
September 8, 2022Ford Econoline E150 Van12303Lloyd S.28Bristol West$400/mo.$119/mo.
September 12, 2022Mercedes-Benz C 300 4Matic12303Tom S.22Bristol West$570/mo.$360/mo.
September 8, 2022Nissan Versa S12303Johanna H.34Bristol West$532/mo.$463/mo.
September 14, 2022Mercedes-Benz E 300 4Matic12308Florence N.28Bristol West$800/mo.$784/mo.
50 people from Jerry switched with Jerry to Dairyland in the past 14 days.
Last updated 2 hours ago
Ella from Binghamton switched with Jerry to New York Central Mutual and saved $831
2 hours ago
Mike from Saint Johnsville switched with Jerry to State Auto and saved $766
2 hours ago

How much does car insurance in Schenectady cost?

Rates for car insurance in the same state can fluctuate wildly depending on your specific zip code. Depending on your city’s demographics—including population density, average age, and accident rate—your car insurance premiums may be much higher or lower than a neighboring city.
Here’s what real Jerry customers paid for car insurance in Schenectady:
How do Schenectady insurance rates compare to similar areas? Take a look at the table below to see. 
Let’s break down what makes car insurance in Schenectady so expensive. The graph below shows how much New York drivers pay, on average, for liability insurance, comprehensive coverage, and collision insurance—the three main elements of what’s called “full coverage car insurance.”
  • Liability coverage, which is the bare minimum required by law, covers repairs and medical expenses for other drivers if you’re in a collision
  • Comprehensive insurance covers repairs to your car caused by something other than a collision (e.g. vandalism, natural disasters, or theft)
  • Collision insurance covers repair costs for your vehicle following a collision with another car or a stationary object
So, how much car insurance does New York require?
New York uses a 25/50/10 rule for minimum liability coverage. If you’re getting car insurance in New York, you’ll be required to have a minimum of $25,000 per person for bodily injury liability, $50,000 of bodily injury liability per accident, and $10,000 of property damage liability per accident. Drivers are also required to have personal injury protection (PIP) coverage.
If you get pulled over in New York, always make sure that you show registration, driver’s license, and proof of insurance.
Yes, New York is a no-fault state. This means that New York doesn’t assign liability to an individual at fault after an accident. Instead, drivers are required to have personal injury protection coverage for their own expenses in an accident.
Take a look at the graph to visualize how much your expenses could increase if you opt for full coverage.
But those are just the minimum requirements you need to avoid a violation. If you’re in an accident, state minimum insurance might not cover all your expenses—especially if you or anyone in your vehicle is injured, or your car sustains significant damage.
That’s why experts generally suggest carrying more than the minimum required coverage. As previously mentioned, so-called “full-coverage” policy typically includes liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
On top of that coverage, you can check out special add-ons to fit your situation, vehicle, and unique needs. Do a lot of driving on remote back roads? Towing and labor coverage could get you out of a tight spot. Work for a rideshare company? Be sure to invest in rideshare insurance. You can even add specialized insurance for your car’s sound system if you’ve got a premium audio setup.

Best car insurance for bad drivers in Schenectady

Listen, we’re not here to judge. Maybe you had a bad day and ended up with a reckless driving charge or a DUI. Maybe you had a really good day and landed yourself an accidental speeding ticket.
No matter the reasons behind your tickets, even minor traffic violations can have an outsize impact on your insurance premium, especially if they’re repeated. And just one major offense (think DUI) could get you labeled as a “high-risk driver” by your insurance company. Worst of all, that label can follow you for years in some cases—even if you’ve cleaned up your act and drive like a saint.
Here’s where Jerry comes in. Even if your driving record is less than stellar (like, a lot less), there are still ways to optimize your rates and coverage to get the policy you need. Here’s how much Jerry customers in Schenectady with a history of violations saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,526$1,076
Speeding over 15$4,964$1,256
Improper Passing$8,400$1,146
Speeding under 15$5,863$1,072
Driving on Sus. License$4,989$857
Failure to Obey Traffic Sign$3,232$828
Seat Belt$960$152

Schenectady driving violation FAQ's

How much is car insurance in Schenectady with a DUI?

If you have a DUI on your record, your car insurance premium in Schenectady could increase by as much as 3%.

How much does your car insurance increase after a speeding ticket in Schenectady?

If you’re caught speeding through Schenectady and end up with a ticket, you can expect to see your insurance rate jump by about 68%. And keep in mind—repeated speeding tickets could cause an even bigger increase!

Best car insurance in Schenectady by age

Young people get stereotyped all the time—but when insurance companies do it, it can cost you hundreds of dollars a year!

Best car insurance in Schenectady for young drivers

That’s because insurance companies use age as a metric for risk. Providers see young drivers as less experienced and more likely to submit claims (i.e., cost them money) than older drivers—so they tend to hike rates for anyone under 25.
Of course, you know that no magic switch it going to flip when you turn 25 to make you a safer driver. You might even be the safest driver you know! But that won’t stop insurance companies from saddling you with a high rate.
To keep your rates low at a young age, check out these simple hacks:
  • Plenty of insurance companies offer good student discounts to anyone under age 25 with a B average or higher. If you’re still in school, your grades could be the key to insurance savings!
  • If you can get on a family plan with an older relative or friend, you’ll benefit from their lower risk rating and get a lower rate on the same coverage.
  • Check for state-approved defensive driving courses. Many insurance companies will give you a discount if you can prove that you’ve attended a course.
  • Play the long game and stick with one insurance company for a few years. If you maintain a good driving record, you could score multiple discounts for loyalty and safe driving!
  • Telematics programs like Jerry’s Drive Well, Earn Perks offer discounts and rewards for safe driving—and instead of basing your savings on your age, it’ll be based directly on how you actually drive!
Want to see how much more you might pay for car insurance in Schenectady based on your age? Check out the table below.

Car insurance in Schenectady for your car

Your age and driving record aren’t the only things that determine your car insurance rates in Schenectady. The vehicle you drive also plays a role.
The Toyota Prius is one of the most popular cars in New York—and it’s cheaper to insure than a lot of the SUVs and electric cars on the road today. But if you drive a minivan, a truck, or a sports car, you might be looking at a higher premium than your other Schenectady neighbors.
Take a look at the table below for a full rundown of how much insurance for different makes costs in Schenectady.
Average Cost
Annual Savings with Jerry
Chevrolet Equinox LT$2,622$913
Jeep Grand Cherokee Laredo$2,736$900
Nissan Rogue S$2,767$858
Ford Focus SE$2,830$847
Honda Civic LX$2,478$798

Schenectady car FAQ's

More people in Schenectady drive a Saab 9-3 Arc than any other car! On average, these drivers pay $1,369 for their auto insurance.

What is the most expensive car to insure in Schenectady?

At an average of $9,406 per year, a Mercedes-Benz E 300 4Matic is the most expensive car to insure in Schenectady. If you drive one, we’re sorry.

Car insurance cost based on where you live in Schenectady:

Now, we’ve been talking about “drivers in Schenectady” as if everyone sees the same rates—but in fact, your rate can vary by zip code, making it possible to have a completely different rate from your neighbor two blocks away.
Why? The simple answer: accident rates and property crimes. Maybe your zip code puts you closer to a major road with tons of accidents, or you’re in a hotspot for auto theft. Within Schenectady, drivers in the 12308, 12304, 12306 and 12305 zip code typically have the highest car insurance premiums, while the cheapest rates are found in the 12302, 12309, 12307 and 12303 code.
Want to see the average rates in your zip code? Take a look at the breakdown below.
Quote DateZip codeCarStateNameAgeInsurance Company
Before Jerry
After Jerry
September 11, 202212306Pontiac G6 GTNYJesus B.31Bristol West$100/mo.$95/mo.
September 8, 202212303Ford Econoline E150 VanNYLloyd S.28Bristol West$400/mo.$119/mo.
September 12, 202212303Mercedes-Benz C 300 4MaticNYTom S.22Bristol West$570/mo.$360/mo.
September 8, 202212303Nissan Versa SNYJohanna H.34Bristol West$532/mo.$463/mo.
September 14, 202212308Mercedes-Benz E 300 4MaticNYFlorence N.28Bristol West$800/mo.$784/mo.

How can you save money on car insurance in Schenectady?

Let’s face it: living in Schenectady means living with higher than average insurance rates. Add that to an already high cost of living overall, and saving money on insurance becomes a great way to free up space in your budget.
Sound impossible? Not at all! Here are a few simple ways to save money on car insurance in Schenectady.

Compare quotes and shop often

That’s right—shopping for car insurance doesn’t have to be a one-and-done. In fact, experts recommend comparing quotes from at least three companies and shopping for new rates every six months!
Okay, we agree: that sounds like a huge pain, especially if it’s only saving you a few extra dollars each month. That’s why we created Jerry, the world’s first super app for car owners. The Jerry app takes the time, effort, and hassle out of car insurance shopping through the power of technology.
In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best coverage at the best rate for you. Pick the quote you like, and Jerry will handle all the paperwork—we’ll even help you cancel your old policy! Best of all, Jerry conducts routine price monitoring so you never have to worry about shopping for new rates again.
And the savings? The average Jerry user saves over $800 a year just by letting the app do their shopping.

Hunt for discounts

Here’s the one insurance savings hack that requires a little legwork on your part: finding discounts. Every insurance company offers them, but they’re not all the same, and companies often won’t advertise them directly.
That means it’s on you to search for the best discounts for you. Call your insurance company and ask about the following types of discount:
  • Good driver discounts:
    Schenectady drivers are in luck—state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • Telematics discounts:
    You need to prove a long record of safe driving for a state-mandated good driver discount, but many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts:
    Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
  • Bundling discounts:
    You’ve heard it before—bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
These are just some of the most popular car insurance discounts in New York—but it’s not an exhaustive list! Call your agent and ask what other discounts are available.

Increase your deductible

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
If you’re wondering “what is my deductible, actually?”, think of it as the amount you’ll pay out of pocket before insurance kicks in. Keeping your deductible low ensures you won’t have to pay much in the event of an accident—but it also means your monthly costs will be higher.
Raising your deductible will lower your regular payments, and if you’re already practicing safe driving for discounts, it’s a win-win! Just make sure that you have enough to cover the deductible if you do get into an accident—after all, there’s no way to predict and prevent every collision.

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free