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Cheapest car insurance in Owego, New York (Jul 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Owego, New York.
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Maria Cruz
Expert Insurance Writer & Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

How to find the cheapest car insurance quotes in Owego

On average,
auto insurance
in Owego costs about $74 per month for minimum coverage liability insurance, and about $166 per month for full coverage insurance. Owego drivers pay 18% less than the
New York
average.  
Every month, thousands of wise car insurance shoppers in Owego come to
Jerry
to
compare and buy car insurance
most efficiently. Below are some of the cheapest car insurance quotes Jerry found for our Owego customers.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$148
Willie, 26
Zip: 13827
Jeep Cherokee Latitude
• State Minimum Liability
• Comp / Collision
Safeco
$99
Isabel, 43
Zip: 13827
Dodge Grand Caravan SXT
• 100,000/300,000 Liability
• Comp / Collision
Plymouth Rock
$181
Victor, 42
Zip: 13827
Hyundai Elantra SE
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 12, 2024

Best car insurance companies in Owego

There isn’t a specific provider that serves the best
car insurance
to everyone in Owego
To give drivers a clearer look into how the most affordable car insurance companies compare, Jerry conducted the largest insurance survey in the nation. The results: the cheapest insurer varies from person to person.  
Since
car insurance quotes
are based on individual factors like your age and driving record, along with each insurer’s individual calculation formula, this is only to be expected. 
Price isn’t everything either: claim handling and customer service are also important qualities to review when choosing an insurer.
State Farm
,
GEICO
,
Progressive
,
Allstate
,
USAA
,
Liberty Mutual
and
Progressive
in Owego, NY tend to be popular insurers among Owego policyholders. But let’s take a look at how different Owego customers reviewed them on a scale of 0 to 5.
Insurance Company
Overall Jerry rating
Average annual cost for full coverage
Average annual cost for minimum coverage
4.2
$1,558
$751
4.4
$1,943
$965
4.5
$2,146
$1,157
4.0
$1,011
$172
4.5
$1,285
$1,100
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.

Progressive

Overall Jerry rating in New York: 4.2
JD Power customer satisfaction: 814/1000
AM Best financial strength: A+
NAIC complaint index (June 2023): More than expected
Progressive is one of the longest-standing insurance companies out there. They offer policyholders plenty of coverage options and have 24/7 customer service standing by. They did score higher than average for number of complaints, but Jerry users rated them highly for both customer service and the claims process.
Read More
Real 5-star customer reviews:
“Very satisfied with the rates and the service. Rates are fair and they have gone down since being a customer.” - Jessica, NY
“Progressive has always been very helpful whenever I needed to reach out to them with any questions or problems I have had. I also feel like I get a great rate from them and with there special programs like Progressive Snapshot I feel that there is no other insurance provider like them. I would definitely recommend Progressive to anyone looking for a new insurance company, or a company that has exceptional customer service and fair insurance rates.” - Jacob, NY
“I have been with Progressive for a year and I love their service.” Sachin, NY

Allstate

Overall Jerry rating in New York: 4.4
JD Power customer satisfaction: 832
AM Best financial strength: A+
NAIC complaint index (June 2023): Much more than expected
Allstate is one of the most popular insurers available. They come with a good number of discounts available and a wide range of coverage options and limits. Some pitfalls to be aware of, on the other hand, are slightly higher rates and lower than average claims processing and complaints scores.
Read More
Real 5-star customer reviews:
“Excellent service” - Imran, NY
“I was able to get an affordable rate for two cars and I’m only 26!” - Valerie, NY
“Great insurance with great customer service. Any issues or updates I was notified by phone call, text or email. Great communication.” - Ramon, NY

State Farm

Overall Jerry rating in New York: 4.5
JD Power customer satisfaction: 833/1000
AM Best financial strength: A++
NAIC complaint index (September 2023): Slightly more than expected
Being such a large insurance provider, State Farm has a lot to offer their customers. Policyholders have the flexibility to sift through a healthy amount of coverage options so they can build the policy that’s best for them, all from a wide selection of local insurance agents. Though they scored a good number of complaints, State Farm in Walden, NY still scored high for customer satisfaction.
Read More
Real 5-star customer reviews:
“They have low prices and gave me an amazing quote right away. I haven’t had any issues and was recommended to it by my mom. She’s been with them for years and has never had a problem. Thank you State Farm for being a great company.” - Ana, NY
“I’ve shopped around for insurance a lot and nowhere can beat State Farm for the coverage I get. Also pretty easy to reach my agent, once I switched” - Stephanie, NY
“When I had to get my first car insurance policy, I wasn't sure what I needed or how much I should pay. Turns out, I was able to get a really affordable State Farm policy that covered everything!” Rachel, NY

Nationwide

Overall Jerry rating in New York: 4.0
JD Power customer satisfaction: 861/1000
AM Best financial strength: A+
NAIC complaint index (August 2023): Slightly higher than average
For the everyday motorist, Nationwide is a great option—they come equipped with a wide selection of coverage options, including affordable options for teen drivers and UBI coverage. While some policyholders reported being dissatisfied with the provider, Nationwide has lots to offer the average driver.
Read More
Real 5-star customer reviews:
“I’ve had Nationwide for over a year now and I have no complaints. The rates are affordable and customer service is great. Definitely recommend!” Ashley, NY
“I have always stuck with this company because they have all the features I need” Renee, NY
“Love each time I call them I get the best service whenever I talk to someone over the phone, they are always helpful” Kenny, NY

Safeco

Overall Jerry rating in New York: 4.5
JD Power customer satisfaction: 809
AM Best financial strength: A
NAIC complaint index (June 2023): Slightly above average
Safeco makes car insurance easy with their wide selection of coverage options, highly rated customer support, and low rates. They also offer policyholders a wide range of bundling options, which helps save even more. Though some clients reported a hairy claims process, Jerry users voted Safeco 3.9 for their claims experience, and 4.3 for customer satisfaction.
Read More
Real 5-star customer reviews:
“So far I’m totally satisfied! Thank you so much For the easy accessibility and clear understanding. Also making paying so much easier with the app and automated payment” - Chelsea, NY
“Safeco has been the best company, best rates for everyone no matter the age, quick claims.” - Musrrat Perveen, NY
“Switched to safeco because nobody can beat the prices. Everything has been going excellent,  including getting in touch with customer service when I had a question, I would definitely recommend them to family and friends.” - Tori, NY

Best cheap car insurance quotes in Owego

Drivers in Owego 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 Owego

As per New York car insurance laws, Owego 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 Owego policyholders that recently used Jerry to get the state’s minimum liability coverage.
card cover
Willie (26 years old)
coverageCoverage
State Minimum
locationOwego, NY
(Zip Code: 13827)
$148
per month
card cover
Victor (42 years old)
coverageCoverage
State Minimum
locationOwego, NY
(Zip Code: 13827)
$181
per month

Do you need more than minimum coverage in Owego?

New York’s car insurance requirements are fairly high compared to other states, but extra coverage is still a good idea for Owego 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 Owego 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 Owego, 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 Owego

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 Owego customers obtain affordable full coverage policies.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$148
Willie, 26
Zip: 13827
Jeep Cherokee Latitude
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$99
Isabel, 43
Zip: 13827
Dodge Grand Caravan SXT
• State Minimum Liability
• Comp / Collision
Plymouth Rock
$181
Victor, 42
Zip: 13827
Hyundai Elantra SE
coverageLast Updated Jul 12, 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 Owego

After analyzing scores of insurance providers in Owego, we have discovered that the average price for minimum liability coverage amounts to be $74 per month or $888 per year. Additionally, residents of Owego can expect to pay an average of $166 per month or $1,992 per year for full coverage insurance.
While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.

Car insurance quotes in Owego by rating factors 

Insurance companies in Owego 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 Owego?

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

Cheap car insurance quotes in Owego 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 Owego after speeding ticket

Speeding comes in different sizes. In Owego, 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
AAA
$69
Rosalie, 33
Zip: 13827
RAM 1500
• 100,000/300,000 Liability
• Comp / Collision
Speeding 6-10
Allstate
$72
Louise, 35
Zip: 13827
Suzuki Reno
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 17, 2024

Cheapest car insurance in Owego after DUI

A
DUI violation
will certainly skyrocket your car insurance rate in Owego. 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
Francisco (38 years old)
coverageCoverage
State Minimum
locationOwego, NY
(Zip Code: 13827)
$60
per month
card cover
Leila (34 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationOwego, NY
(Zip Code: 13827)
$67
per month

Cheapest car insurance in Owego after an at-fault accident

Car accidents
on your claim history can significantly impact your car insurance rates in Owego. 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
, Owego 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 Owego drivers find affordable rates even with at-fault accidents in the recent past.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
Not At Fault
Safeco
$155
Franklin, 42
Zip: 13827
Hyundai Elantra SE
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 17, 2024

Cheapest car insurance in Owego 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 Owego.
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
$67
Steven, 30
Zip: 13827
Volvo XC70
• 50,000/100,000 Liability
• Comp / Collision
Defective Equipment
Nationwide
$64
Linnie, 38
Zip: 13827
Acura ZDX
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 17, 2024

Cheap car insurance quotes in Owego 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 Owego for young drivers

Car insurance can be high for everyone in Owego, 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
Mollie (21 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationOwego, NY
(Zip Code: 13827)
$57
per month
card cover
Francisco (23 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationOwego, NY
(Zip Code: 13827)
$75
per month

Cheapest car insurance in Owego 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
Emma (67 years old)
coverageCoverage
State Minimum
locationOwego, NY
(Zip Code: 13827)
$57
per month
card cover
Annie (70 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationOwego, NY
(Zip Code: 13827)
$72
per month

Cheap car insurance quotes in Owego 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
Marvin (26 years old)
Currently Insured
coverageCoverage
State Minimum
locationOwego, NY
(Zip Code: 13827)
$148
per month
card cover
Mathilda (43 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationOwego, NY
(Zip Code: 13827)
carDodge Grand Caravan SXT
$99
per month
card cover
Cornelia (42 years old)
Currently Insured
coverageCoverage
State Minimum
locationOwego, NY
(Zip Code: 13827)
$181
per month
card cover
Elizabeth (26 years old)
Currently Insured
coverageCoverage
State Minimum
locationOwego, NY
(Zip Code: 13827)
$148
per month
card cover
Lucinda (43 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationOwego, NY
(Zip Code: 13827)
carDodge Grand Caravan SXT
$99
per month

How to lower car insurance costs in Owego

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 Owego?

People living in Owego pay on average $74 per month – or $888 per year – on state-minimum liability coverage. Full coverage in Owego costs on average $166 per month or $1,992 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 Owego?

Based on thousands of Owego drivers Jerry has worked with, car insurance in Owego costs an average of $74 per month for state-minimum coverage and $166 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 best car insurance in Owego?

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.

What is the minimum car insurance in Owego, New York?

The state-minimum car insurance in Owego, 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.

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
Maria Cruz
badge icon
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
avatar
Sarah Gray
badge icon
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
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.