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Cheapest car insurance in Saint Albans, New York (Oct 2024)
Cheapest car insurance in Saint Albans, New York (Oct 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Saint Albans, New York.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Jasmine Kanter
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor
What's on this page?
- How to find the cheapest car insurance quotes in Saint Albans
- Best car insurance companies in Saint Albans
- Best cheap car insurance quotes in Saint Albans
- Average cost of auto insurance in Saint Albans
- Car insurance quotes in Saint Albans by rating factors
- How do different factors impact your car insurance costs in Saint Albans?
- Cheap car insurance quotes in Saint Albans after driving violations
- Cheap car insurance quotes in Saint Albans by age
- Cheap car insurance quotes in Saint Albans based on insurance history
- Cheap car insurance quotes in Saint Albans for popular cars
- How to lower car insurance costs in Saint Albans
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance quotes in Saint Albans
The key to finding the cheapest
car insurance
in Saint Albans, New York
, is to compare as many quotes as you can. Because auto insurance companies use different methods to calculate their rates, the offers you receive could be hundreds of dollars apart. But that’s not all: your driver profile—including your age, insurance history, driving history, and more—also plays a huge part in deciding your premiums.
Entering this information over and over again on different websites takes time, which is why over four million shoppers save time using the
Jerry
app. You only have to enter your info once before getting the best five to seven deals in your area, like the ones below:| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Travelers | $204 | Elijah, 45 Zip: 11412 | Nissan Murano S | • 50,000/100,000 Liability • Comp / Collision |
| Safeco | $166 | Ida, 43 Zip: 11412 | Lexus IS 250 | • State Minimum Liability |
| Nationwide | $106 | Richard, 67 Zip: 11412 | Mercedes-Benz ML 500 | • State Minimum Liability |
| Plymouth Rock | $398 | Glen, 55 Zip: 11412 | Nissan Sentra 2.0 | • State Minimum Liability |
Last Updated Oct 4, 2024Best car insurance companies in Saint Albans
Everyone’s definition of “best” is different, which is why Jerry asked drivers in New York state to rate their auto insurance companies in five different categories in a nationwide survey.
Policyholders said
Progressive
and State Farm
were tied for the most affordable auto insurance, but Progressive had the better customer service department. Meanwhile, GEICO
offered the best claims experience, even though it scored lower overall.You can see how these three companies—plus
Farmers
and Liberty Mutual—compared in greater detail in the table below:| Insurance company | Overall rating | Price | Claims experience | Customer 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 |
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.
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 Saint Albans
Every driver in the country must meet their
state’s minimum insurance requirements
before they can register their car and drive. New York is no different, and the cheapest auto insurance quotes in Saint Albans usually offer no more than the minimum insurance coverage required.Cheap minimum liability insurance quotes in Saint Albans
New York’s minimum car insurance requirements
include three types of insurance coverage:- Liability car insurancepays for the other person’s injuries or damages in a car accident where you’re at fault.
- Uninsured Motorist Coverage (UM)pays for you and your passengers’ injuries in a car accident where the other person is at fault. It only applies if the at-fault driver isn’t carrying car insurance (i.e. they’re uninsured) and it doesn’t apply to property damages.
- Personal Injury Protection (PIP) insurancepays for you and your passengers’ injuries after a car accident regardless of who was at fault.
In addition, you must meet the minimum coverage limits set by state law. The minimum New York car insurance requires at least:
- $50,000 of bodily injury liability per accident
- $25,000 of UM coverage per person
- $50,000 of UM coverage per accident
- $50,000 of PIP per accident
You might see these limits shortened to 25/50/10 for liability insurance and 25/50 for uninsured motorist insurance.
The bare minimum insurance coverage means the bare minimum price. Here are the best deals that drivers in Saint Albans found through Jerry:
Richard (67 years old)
$106
per month
Do you need more than minimum coverage in Saint Albans?
It’s a good idea to carry more than the minimum insurance coverage in Saint Albans.
New York car accident laws
make you primarily responsible for covering your and your passengers’ injuries; if you increase your coverage, you won’t have to worry about what happens in the event of an accident that causes serious injury.Plus, the state’s
pure comparative negligence law
means the other driver could sue you for damages even if they were mostly to blame for the accident. Again, if you increase your coverage to account for all your assets, you won’t have to worry about an unexpected personal injury lawsuit.And finally, a minimum-coverage auto insurance policy doesn’t cover damage from winter storms, heavy rain, and high winds—or theft and vandalism.
For all these reasons and more, Jerry’s team of expert insurance agents recommend at least doubling your coverage limits to 50/100/20, or, better yet, 50/100/100 if you can.
Cheapest full coverage car insurance quotes in Saint Albans
Full-coverage car insurance
isn’t an insurance product, but a blanket term for the most common and useful types of extra coverage options. In New York, full coverage includes:- Collision coverage, which covers the damages caused by an impact with another car or a stationary object;
If you lease or finance, you may not have a choice; your agreement probably requires you to purchase both collision and comprehensive coverage. Comparing personalized quotes from different car insurance companies will let you find the coverage you need at the lowest price.
Normally, you’d have to enter your personal information again and again to get an accurate offer from every insurance agency. But with Jerry, you only need to answer a few questions to get personalized quotes from 55+ auto insurance companies at once.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 100,000/300,000 Liability • Comp / Collision | Allstate | $348 | Tony, 34 Zip: 11412 | Nissan Rogue Platinum |
• 50,000/100,000 Liability • Comp / Collision | Travelers | $204 | Elijah, 45 Zip: 11412 | Nissan Murano S |
• State Minimum Liability • Comp / Collision | Kemper | $166 | Isaac, 60 Zip: 11412 | Nissan Pathfinder S |
Last Updated Oct 5, 2024Jerry’s DataLock™ Guarantee ensures your info will never be sold or traded. It’s just one of the reasons over four million customers call us the most
trusted car insurance broker
on the App Store.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of auto insurance in Saint Albans
The average rates for Saint Albans, drivers are $118 per month ($1,417 per year) for the bare minimum liability coverage, and $216 per month ($2,592 per year) for a full coverage car insurance plan. However, in the world of car insurance, the average rarely reflects reality.
Not only does every auto insurance company use a different method to calculate insurance premiums, but they also prioritize different types of drivers. Depending on your age, your driving history, your insurance history, and other rating factors, the quotes you receive from two companies could be hundreds of dollars apart.
Car insurance quotes in Saint Albans by rating factors
After your ZIP code, the next most important rating factor is your driver profile—that is, your age, your driving history, your insurance history, your driving habits, and everything that sets you apart from other drivers.
When you ask for a quote, a potential insurance company will consider:
- Your credit score: Insurance providers look at your credit scores for reassurance that you’ll pay your bills. Higher scores mean lower premiums.
- Your demographics: Depending on your age, gender, and marital status, a car insurance company may consider you more or less likely to get into an accident.
- Your driving record: One of the best predictors of a safe driver is a clean driving record; you’ll get better insurance rates with fewer tickets and traffic violations in your past.
- Your zip code: Rural areas enjoy quiet roads and lower auto insurance rates; urban centers see more crime, more traffic, more accidents, and higher premiums.
- Your mileage: The more you drive your car, the less reliable it becomes, and the higher your insurance premiums will go.
- Your vehicle: It costs a lot to repair rare, luxury, and sporty vehicles, so it costs a lot to insure them, too.
How do different factors impact your car insurance costs in Saint Albans?
How do different factors impact your car insurance costs in Saint Albans?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Education, occupation, employment status
Learn more about the car insurance rating factors in Saint Albans:
Cheap car insurance quotes in Saint Albans after driving violations
A squeaky-clean
New York driving record
tells auto insurance companies that you’re unlikely to get into an accident and cost them a ton of money in repair and medical bills. You’ll enjoy much lower monthly premiums; you might even qualify for a safe driver discount
!However, if you rack up enough small offenses (like speeding or parking violations) or a big one (like reckless driving or a DUI with serious injury), you’ll be designated a
high-risk driver
. You might have a hard time finding affordable car insurance, and you’ll have to pay extra if you need an SR-22 in New York
.Cheapest car insurance in Saint Albans after speeding ticket
The consequences of a
New York speeding ticket
depend on how many miles per hour (MPH) you speed over the legal limit: the faster you go, the more severe the punishment. Going 20 MPH over the limit is enough for a reckless driving conviction
.The same holds for your insurance premiums: the more serious your speeding violation, the higher your insurance premiums will stay for longer. The best savings strategy is to shop around for an insurance company that specializes in high-risk drivers.
Jerry helped these drivers in Saint Albans move on to a better insurance provider with lower rates after they received a speeding ticket:
Last Updated Oct 7, 2024Cheapest car insurance in Saint Albans after DUI
Besides paying the fine for a
DUI in New York
, you’ll have to pay increased car insurance rates for several years after a conviction. If your new rates are unaffordable, it may be time to look for another provider altogether.A licensed insurance broker can minimize the stress of switching insurance companies. The Jerry app makes it possible to buy a new policy with a few taps, and to get help canceling your old policy with a call to customer service.
Cheapest car insurance in Saint Albans after an at-fault accident
At-fault car accidents aren’t cheap: your insurance provider must pay for any injuries or damages that result, and you’ll have to pay up to 15% higher premiums for several years.
Jerry helps drivers in Saint Albans look for a more forgiving insurance provider after an accident; you can see the deals they found in the table below.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Safeco | $385 | Amelia, 54 Zip: 11412 | Nissan Sentra 2.0 | • State Minimum Liability |
Not At Fault | Plymouth Rock | $506 | Randy, 49 Zip: 11412 | Hyundai Sonata SE | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Travelers | $204 | Brian, 44 Zip: 11412 | Nissan Murano S | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Oct 7, 2024Cheapest car insurance in Saint Albans after other driving violations
Failing to obey traffic signals,
driving without insurance
, or driving with a suspended license in New York
can also cause your insurance rates to spike. If you’re wondering whether there’s a better deal out there, it doesn’t hurt to do a little comparison shopping.Drivers in Saint Albans found these savings after a quick search using Jerry for
auto insurance quote comparison
:| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Obey Signal | Plymouth Rock | $265 | Christina, 52 Zip: 11412 | Toyota Highlander | • State Minimum Liability |
Failure to Obey Signal | Plymouth Rock | $265 | Flora, 52 Zip: 11412 | Toyota Highlander | • State Minimum Liability |
Last Updated Oct 7, 2024Cheap car insurance quotes in Saint Albans by age
Car insurance rates are highest for drivers under the age of 25 and lowest for drivers between 25 and 75. After your 75th birthday, your rates begin to climb again as your chances of getting into an accident (or getting injured) creep back up.
Cheapest car insurance in Saint Albans for young drivers
Because they’re inexperienced and more likely to get into an accident, young drivers between the ages of 16 and 19 face the highest car insurance rates. To find
cheap car insurance for teen drivers
, follow these money-saving tips:- Add a young driver to your car insurancerather than purchasing a separate policy
- Add collision coverage to pay for any mistakes while your teen learns the rules of the road
- Look for discounts likeAllstate’s Drivewise app(which rewards safe driving) or agood student discount
- Research car insurance quotes to make sure you’re getting the best deal
Jerry helped these young drivers in Saint Albans find an affordable rate for free:
Cheapest car insurance in Saint Albans for senior drivers
Although they have plenty of driving experience, senior drivers become more likely to get into car accidents and suffer serious injuries as they age.
The best car insurance for seniors
offsets these costs with low-mileage, retiree, and claims-free discounts.Jerry can help you explore options from the comfort of your smartphone or with a quick phone call to our team of expert insurance agents. Our customers in Saint Albans are enjoying their golden years with deals like the ones below:
Richard (67 years old)
$106
per month
Cheap car insurance quotes in Saint Albans based on insurance history
A long, uninterrupted insurance history usually results in lower rates than a short history or a
car insurance lapse
. Gaps worry providers because they may indicate that you’ve been driving uninsured or skipping payments.Changing insurance providers may be the key to lowering your monthly premiums, just like when you get a ticket for speeding or have an unexpected accident. With Jerry's help, these St. Albans drivers found the cheapest car insurance rates for their history:
Leila (31 years old)
$477
per month
Donald (66 years old)
$106
per month
Frederick (33 years old)
$429
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Switching to National General was SO easy and it saved me over $100/month!
Courtney
Got a decent rate for my Tesla Model S from Travelers.
Kishore
Grateful for this app and helping me save money!
Aaron
They were affordable and great very personable and reasonable.
Audrey
Cheap car insurance quotes in Saint Albans for popular cars
If your car is cheap to buy, cheap to repair, and its parts are cheap to replace, it’s probably cheaper to insure, too. The five most popular cars in New York score highly in all three categories:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Nissan Nissan_rogue | Progressive | $60 | Estelle, 35 Zip: 11412 | • 100,000/300,000 Liability |
| Honda Honda_cr-V | Travelers | $56 | Martha, 40 Zip: 11412 | • State Minimum Liability |
Last Updated Oct 7, 2024How to lower car insurance costs in Saint Albans
1. Shop around and compare quotes
A traffic ticket, a car accident, or a new purchase aren’t the only reasons to shop around; insurance experts recommend comparing auto insurance quotes every six months. Doing so can help you find new discount opportunities and stay on top of the best rates.
Experts also recommend comparing at least three companies at a time. With Jerry, you can get quotes from over 55 top insurance providers in just 45 seconds.
2. Hunt for car insurance discounts
One of the best ways to save money is to look for
car insurance discounts
. Providers offer programs for everybody, including:- Good drivers: Keep your driving record clean and your insurance history claims-free, and you’ll enjoy lower car insurance rates.
- Good students: Maintain a B average or higher and you could cut down your monthly bills.
- Homeowners: Purchasing acar and home insurance bundleallows you to save on two products at once. You can also pair car insurance with renters insurance.
- Telematics users: Install a small tracking device in your car, and you could receive monthly discounts for safe driving habits.
3. Increase your deductible for comprehensive and collision coverage
You can lower your annual insurance premiums without sacrificing coverage by increasing the amount of money you pay out-of-pocket after an accident. Just be sure to
choose a car insurance deductible
you can afford.FAQ
How much is car insurance in Saint Albans?
The average cost of minimum liability car insurance in Saint Albans is $118 per month ($1,417 per year), which increases to $214 per month ($2,567 per year) for full coverage. However, the average cost of insurance doesn’t accurately reflect how much a provider will charge you, or the savings you could find by comparing quotes.
What is the cheapest car insurance in Saint Albans?
The cheapest car insurance in Saint Albans is state-minimum coverage, which costs an average of $118 per month. However, a serious accident could leave you with thousands of dollars of out-of-pocket expenses.
To find the best coverage you can afford, shop around for car insurance quotes. You can get a free quote comparison between 55+ companies by signing up with Jerry.
What is the best car insurance in Saint Albans?
If you’re a military member (or related to one), the best auto insurance in Saint Albans is probably
USAA
. If not, try Nationwide
. Both companies received rave reviews from New Yorkers in Jerry’s nationwide survey.What is the minimum car insurance in Saint Albans, New York?
The minimum car insurance in Saint Albans, New York, includes $25,000 of bodily injury coverage per person (up to $50,000 per accident), and $10,000 of property damage coverage. You’ll also need $25,000 of uninsured motorist coverage (up to $50,000 per accident), and at least $50,000 of personal injury protection.
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
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.
Sarah Gray
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.
Josh Damico
Head Of Insurance Operations
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.