Services
Insurance
Loans
Repairs
Advice
About

Cheapest car insurance in Livingston Manor, New York (May 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Livingston Manor, New York.
background
Find Insurance Savings
√
No long forms
√
No spam or unwanted calls
√
Quotes from top insurance companies
background
avatar
Jasmine Kanter
Expert Insurance Writer
icon
Reviewed by Josh Damico, Vice President Insurance Operations
icon
Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
Livingston Manor Car Insurance: Quick Facts
  • Livingston Manor drivers pay an average of $53 per month for minimum coverage
  • Livingston Manor drivers pay an average of $178 per month for full coverage
  • Average rates for Livingston Manor car insurance are lower than the New York state average and higher than the national average
  • New York minimum insurance requirements include 25/50/10 of liability coverage, 25/50 of uninsured motorist coverage, and $50,000 of personal injury protection

How to find the cheapest car insurance quotes in Livingston Manor, New York

Even though the population of Livingston Manor,
New York
, has more than doubled in the last 10 years, it still has cheaper
car insurance
costs than the rest of the state.1 There are three local landmarks on the National Register of Historic Places; visit and you’ll see the town enjoys a sedate pace of life.
There’s a single insurance agency in Livingston Manor, but you can request free auto insurance quotes at any time from the virtual
Jerry
Insurance Agency. A licensed insurance broker, Jerry partners with over 55 auto insurance providers to present drivers with the cheapest rates no matter where they live.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$215
Bryan, 28
Zip: 12758
Fiat 500X POP
• State Minimum Liability
• Comp / Collision
Safeco
$139
Sue, 25
Zip: 12758
Nissan Rogue S
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated May 19, 2024

Best car insurance companies in Livingston Manor, New York

There are five big names in the New York state car insurance market:
  1. Berkshire Hathaway
  2. State Farm
  3. Liberty Mutual
While popularity is a good indicator of an auto insurance company’s quality, Jerry’s nationwide shopping survey provides more detail. Among New York policyholders,
Travelers
was voted the most affordable,
AAA
the best in customer service, and
Kemper
the best overall. 
You can see what New York state drivers have to say about the big five in several categories below:
Insurance companyOverall ratingPriceClaims experienceCustomer service
Progressive
4.4
3.7
4.3
4.2
State Farm
4.1
3.7
4.4
4.1
Geico
3.8
3.4
3.9
3.9
Farmers
3.5
2
N/A
2
Liberty Mutual
3.3
N/A
N/A
3.3
Highlighticon

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Livingston Manor

Drivers in Livingston Manor are legally required to carry New York’s minimum liability coverage, uninsured motorist coverage, and personal injury protection (PIP)—but you may want to consider full coverage for added financial protection.

Cheap minimum liability insurance quotes in Livingston Manor

As per New York car insurance laws, Livingston Manor drivers must carry the state’s minimum coverage limits to legally drive on NY roads.
The state’s minimum car insurance coverage includes: 
We’ve compiled some examples of Livingston Manor policyholders that recently used Jerry to get the state’s minimum liability coverage.
card cover
Nora (36 years old)
coverageCoverage
State Minimum
locationLivingston Manor, NY
(Zip Code: 12758)
$82
per month
card cover
Kyle (39 years old)
coverageCoverage
State Minimum
locationLivingston Manor, NY
(Zip Code: 12758)
$76
per month

Do you need more than minimum coverage in Livingston Manor?

New York’s car insurance requirements are fairly high compared to other states, but extra coverage is still a good idea for Livingston Manor drivers.
Additional protection like collision coverage could save you from costs associated with unexpected damages to your car. Increasing liability limits can also help prevent you from paying out of pocket—especially if you’re ever at fault in an accident resulting in a totaled vehicle (or more than one). 
The risk of winter storms, heavy rain, and high winds in Livingston Manor causing non-collision damage to your car may also make a strong case for adding comprehensive coverage. This type of protection can also keep you financially secure against vandalism and vehicle theft.
The bottom line: For better financial protection in Livingston Manor, explore different coverage options. Consider full coverage with collision and comprehensive insurance, and add extra protection by increasing your liability limits.

Cheap full coverage car insurance quotes in Livingston Manor

New York’s minimum car insurance requirements are meant to protect drivers from paying out of pocket for repairs and replacements if an accident were to occur. But to protect your vehicle from repairs and replacements, full-coverage car insurance is the way to go.
Full coverage includes
comprehensive
and
collision coverage
:
  • Collision coverage protects you from costs associated with repairing or replacing your vehicle after an accident
  • Comprehensive coverage kicks in if your vehicle is stolen or requires repairs for non-collision damages
Typically, leased or financed vehicles require collision and comprehensive coverage.
Browse the table below to see how Jerry’s agents recently helped Livingston Manor customers obtain affordable full coverage policies.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$215
Bryan, 28
Zip: 12758
Fiat 500X POP
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$139
Sue, 25
Zip: 12758
Nissan Rogue S
• State Minimum Liability
• Comp / Collision
Bristol West
$524
Joseph, 30
Zip: 12758
Jeep Grand Cherokee Limited
coverageLast Updated May 20, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Lower my car insurance too!

Average cost of car insurance in Livingston Manor, New York

The average rate for minimum liability insurance in Livingston Manor is $641 per year ($53 per month). For full coverage car insurance, the average rates rise to $2,147 per year ($178 per month).
Taking a look at the average cost of insurance in New York State and the rest of the nation, you’ll notice something odd: the annual premiums in Livingston Manor are both below and above the average.
Coverage type
Livingston Manor
New York
United States
Minimum coverage
$641
$1,459
$927
Full coverage
$2,147
$2,532
$1,984
We’ll discuss the reasons below; for now, you should know that average car insurance rates are notoriously unreliable. 
Depending on your location, individual driver profile, and how providers
calculate your car insurance premiums
, the quotes you receive can differ by hundreds of dollars. Jerry helps you compare prices from over 55 insurance providers at once so you can see this phenomenon in action.

Why is car insurance so expensive (and inexpensive) in Livingston Manor?

Livingston Manor’s population and location likely contribute to why minimum coverage is so much cheaper than the state and national average. Livingston Manor has a small population and high median age, which lends itself to fewer car accidents.2 Additionally, the state of NY has fewer motorist fatalities than the national average.3
However, if you’re looking for full coverage auto insurance, you’ll pay more than the national average. New York state as a whole has a high crime rate, and Livingston Manor in particular experiences an above-average amount of rain and occurrences of floods and storms.4 Thus, insurers charge more for comprehensive insurance.
Although auto insurance policy prices seldom fall, it’s possible to lower costs by switching providers. Jerry can help you keep an eye on local prices and shop for car insurance at the recommended interval every six months.

Car insurance quotes in Livingston Manor by rating factors 

Insurance companies in Livingston Manor use many rating factors when
deciding your auto insurance premium
:  
  • Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
  • Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
  • Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density. 
  • Your mileage: High annual mileage can result in higher insurance costs.
  • The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
  • Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How do different factors impact your car insurance costs in Livingston Manor?

icon
Allowed (with applicable limitations): Gender, age, driving experience, credit history, marital status, zip code, insurance history
icon
Prohibited (or effectively prohibited): Education, occupation, employment status
Learn more about the car insurance rating factors in Livingston Manor:

Cheap car insurance quotes in Livingston Manor after driving violations

Your driving history is one of the main factors that impact your insurance rate. You will be quoted higher if insurance carriers observe a history of violations or risky driving. Common driving violations that can raise your rates include: 

Cheapest car insurance in Livingston Manor after speeding ticket

Speeding comes in different sizes. In Livingston Manor, repercussions are different for speeding 1–5 MPH, 6–10 MPH, 11–15 MPH, 16–20 MPH, and 21+ MPH over the speed limit.
Speeding is classified as risky—and depending on your speed, reckless—driving behavior, so a
speeding ticket
will typically increase your car insurance premiums. Despite this, many drivers with varying speeding tickets have used Jerry to save on car insurance.   
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Travelers
$83
Jessie, 32
Zip: 12758
Acura RL
• State Minimum Liability
Speeding 6-10
Travelers
$63
Charlie, 40
Zip: 12758
Mazda 3
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 19, 2024

Cheapest car insurance in Livingston Manor after DUI

A
DUI violation
will certainly skyrocket your car insurance rate in Livingston Manor. New York laws strictly prohibit driving under the influence and a single offense is enough to significantly increase your premiums.
While your rates will inevitably be higher after a DUI, they can still vary from one insurance provider to another. The best way to find the most affordable rate after a DUI is to compare rates from multiple carriers.
Jerry has successfully assisted countless drivers in acquiring cost-effective auto insurance rates following a DUI incident.
card cover
Rose (43 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationLivingston Manor, NY
(Zip Code: 12758)
$76
per month
card cover
Chris (39 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationLivingston Manor, NY
(Zip Code: 12758)
$70
per month

Cheapest car insurance in Livingston Manor after an at-fault accident

Car accidents
on your claim history can significantly impact your car insurance rates in Livingston Manor. This is because insurance providers look at your at-fault accidents to assess the level of risk you pose as a policyholder. 
Even though New York is a
no-fault state
, Livingston Manor drivers can still be deemed at fault for collisions and held responsible for another driver’s property damages. Having an at-fault accident on your record can lead to as much as 15% higher rates. 
Fortunately, Jerry has helped many Livingston Manor drivers find affordable rates even with at-fault accidents in the recent past.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Nationwide
$71
Alan, 43
Zip: 12758
GMC Yukon
• State Minimum Liability
At Fault With No Injury
Allstate
$73
Bettie, 33
Zip: 12758
Saab 9-3
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated May 21, 2024

Cheapest car insurance in Livingston Manor after other driving violations

Speeding tickets, DUIs, careless driving, and
suspended licenses
on your driving record can all lead to rate hikes from any car insurance provider in Livingston Manor.
Here’s a list of different driving violations and how we’ve helped drivers save on their car insurance expenses after these infractions.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
AAA
$62
Amelia, 40
Zip: 12758
GMC Safari
• 50,000/100,000 Liability
• Comp / Collision
Defective Equipment
Safeco
$81
Hannah, 45
Zip: 12758
KIA Cadenza
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 25, 2024

Cheap car insurance quotes in Livingston Manor by age

Young people and seniors generally face the highest insurance rates. 
Due to their restricted driving backgrounds, young drivers typically pay more for insurance—especially in New York. Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid 70s.

Cheapest car insurance in Livingston Manor for young drivers

Car insurance can be high for everyone in Livingston Manor, but teen drivers between the ages of 16 to 19 usually receive higher-than-average rates—even if they have a clean driving record.
The likelihood of a teen driver filing an insurance claim can be quite high, as well. To stay well-protected on the roads, teen drivers should be on a policy with full coverage in case an accident occurs. Staying on a parent’s policy is an ideal way to keep those
teen car insurance
rates lower, too.
card cover
Eleanor (24 years old)
coverageCoverage
State Minimum
locationLivingston Manor, NY
(Zip Code: 12758)
$66
per month
card cover
Eva (21 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationLivingston Manor, NY
(Zip Code: 12758)
$58
per month

Cheapest car insurance in Livingston Manor for senior drivers

Drivers can expect higher premiums once they reach 70 to 75 years old. These higher rates for
senior drivers
are supported by statistics that observe seniors as more likely to face accidents and subsequent injuries, incurring medical expenses and additional costs for insurance providers.
card cover
Lillian (71 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationLivingston Manor, NY
(Zip Code: 12758)
$64
per month
card cover
Zachary (70 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationLivingston Manor, NY
(Zip Code: 12758)
$78
per month

Cheap car insurance quotes in Livingston Manor based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
card cover
Ophelia (28 years old)
Currently Insured
coverageCoverage
State Minimum
locationLivingston Manor, NY
(Zip Code: 12758)
$215
per month
card cover
Lina (25 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationLivingston Manor, NY
(Zip Code: 12758)
$139
per month
card cover
May (30 years old)
Currently Insured
coverageCoverage
State Minimum
locationLivingston Manor, NY
(Zip Code: 12758)
carJeep Grand Cherokee Limited
$524
per month
card cover
Mattie (25 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationLivingston Manor, NY
(Zip Code: 12758)
$139
per month
card cover
Tyler (28 years old)
Currently Insured
coverageCoverage
State Minimum
locationLivingston Manor, NY
(Zip Code: 12758)
$215
per month

Cheap car insurance quotes in for drivers with poor credit

drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.
Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
550 - 659
Bristol West
$524
Winifred, 30
Zip: 12758
Jeep Grand Cherokee Limited
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 25, 2024

How to lower car insurance costs in Livingston Manor

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months. 
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free! 

2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts. If you remain accident- and violation-free for a set number of years (typically three to five) you may qualify for a discounted rate from your insurer.
  • Telematics discounts. 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.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

How much is car insurance in Livingston Manor?

People living in Livingston Manor pay on average $53 per month – or $641 per year – on state-minimum liability coverage. Full coverage in Livingston Manor costs on average $178 per month or $2,147 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Livingston Manor?

Based on thousands of Livingston Manor drivers Jerry has worked with, car insurance in Livingston Manor costs an average of $53 per month for state-minimum coverage and $178 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the minimum car insurance in Livingston Manor, New York?

The state-minimum car insurance in Livingston Manor, New York is $25,000 in bodily injury liability per person, $50,000 per accident, and $50,000 for damage to property. These coverages are commonly referred to as 25/50/50 coverage.

What is the best car insurance in Livingston Manor?

While there is no 'best' provider for all drivers, most Syracuse motorists can find cheap full and minimum coverage with 
Kemper
, while other insurers, such as Met360 and 
State Auto
 provide lower than average premiums.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Jasmine Kanter
Jasmine Kanter is a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.
Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.
avatar
Amy Bobinger
badge icon
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.