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Jerry Data & Research
Cheapest car insurance in Walden, New York (Nov 2024)
Cheapest car insurance in Walden, New York (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Walden, New York.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Maria Cruz
Expert Insurance Writer & Editor
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?
- Best car insurance companies in Walden
- How to find the cheapest car insurance quotes in Walden
- Best cheap car insurance quotes in Walden
- Average cost of car insurance in Walden
- Car insurance quotes in Walden by rating factors
- How do different factors impact your car insurance costs in Walden?
- Cheap car insurance quotes in Walden after driving violations
- Cheap car insurance quotes in Walden by age
- Cheap car insurance quotes in Walden based on insurance history
- Cheap car insurance quotes in Walden for popular cars
- How to lower car insurance costs in Walden
- FAQ
- Methodology
- Meet our experts
Load full table of contents
Best car insurance companies in Walden
There isn’t a specific provider that serves the best
car insurance
to everyone in Walden. Car insurance companies each use their own methods to determine rates, meaning the only way to find the best coverage for you is to compare quotes
from at least three different companies.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. Price isn’t everything either—claim handling and customer service are also important aspects of a provider.
GEICO
, Progressive
, Allstate
, USAA
, Liberty Mutual
and State Farm
in Walden, NY tend to be popular insurers among policyholders. But let’s take a look at how different Walden customers reviewed them, and what their insurance costs look like across the board.Insurance Company | Overall Jerry rating | Average annual cost for full coverage | Average annual cost for minimum coverage |
|---|---|---|---|
4.5 | $2,146 | $1,157 | |
4.0 | $1,549 | $1,149 | |
4.5 | $2,073 | $1,094 | |
4.5 | $2,105 | $763 | |
4.2 | $2,692 | $1,445 |
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.
State Farm
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:
“Most supportive agents and range of economical plans to choose from.” - Indrajit, NY
“I got my car insurance after looking for over a year. I finally got an affordable coverage and got a new car. I recommend for those with more classic cars and that don’t want to pay an arm and a leg.” - Macela, 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
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:
“Nationwide has great prices compared to other insurance companies.” - Kaitlyn, NY
“Nothing but great things with this company. Insurance is very reasonable but expensive like other quotes I've gotten. Their customer service is great as well” - Reem, NY
“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
Safeco
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 Have 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 defiantly recommend them to family and friends.” - Tori, NY
Travelers
Travelers
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
Travelers has a robust portfolio of coverage options for their policyholders, as well as an extensive assortment of discounts and 24/7 claims reporting. They also have good coverage available for young motorists and have been credited with a seamless online quote process. But it’s important to keep in mind that they aren’t available nationwide and their rates can run a bit high.
Read More
Real 5-star customer reviews:
“Travelers has been great. Our rate has not increased over the past year and they’ve been very quick to get a hold of if I have had any questions. We purchased a new car and Travelers made the process seamless compared to what I used to deal with when we were with Geico.” - Travis, NY
“Great insurance company rates are reasonable” - Charles, NY
“I got solid coverage for a great price.” - Myles, NY
Progressive
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:
“App is easy to use, I was able to get great rates with a far from perfect driving record. The snapshot saved me instantly AND saved me again after monitoring my driving!” - Charles, NY
“Progressive is a really nice insurance company. They take care of me really quick and nice. Will always choosing them !” - Pham, NY
“I was kind of skeptical when it came to car insurance with Progressive. Little did I know, their insurance is just as good as their commercials.” - Melody, NY
How to find the cheapest car insurance quotes in Walden
On average,
auto insurance
in Walden costs about $154 per month for minimum coverage liability insurance, and about $216 per month for full coverage insurance. Walden drivers pay 31% more than the New York
average. Every month, thousands of wise car insurance shoppers in Walden come to
Jerry
to compare and buy car insurance
most efficiently. Below are some of the cheapest car insurance quotes Jerry found for our Walden customers. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $192 | Hattie, 30 Zip: 12586 | Chevrolet Aveo LS | • State Minimum Liability |
| Safeco | $166 | Henry, 47 Zip: 12586 | BMW 750 Li | • 50,000/100,000 Liability • Comp / Collision |
| Plymouth Rock | $87 | Georgie, 31 Zip: 12586 | Toyota Corolla L | • State Minimum Liability |
Last Updated Nov 20, 2024Best cheap car insurance quotes in Walden
Drivers in Walden 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 Walden
As per New York car insurance laws, Walden drivers must carry the state’s minimum coverage limits to legally drive on NY roads.
The state’s minimum car insurance coverage includes:
- $10,000 per accident ofproperty damage liability coverage
- $25,000 per person / $50,000 per accident ofbodily injury liability coverage
- $25,000 per person / $50,000 per accident of bodily injuryuninsured motorist coverage
- $50,000 ofpersonal injury protection
We’ve compiled some examples of Walden policyholders that recently used Jerry to get the state’s minimum liability coverage.
Hattie (30 years old)
$192
per month
Do you need more than minimum coverage in Walden?
New York’s car insurance requirements are fairly high compared to other states, but extra coverage is still a good idea for Walden 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 Walden 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 Walden, 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 Walden
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.
- 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 Walden customers obtain affordable full coverage policies.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $367 | Leah, 34 Zip: 12586 | Chevrolet Silverado K3500 LT |
• State Minimum Liability • Comp / Collision | Allstate | $153 | Nellie, 31 Zip: 12586 | Toyota Corolla L |
• 50,000/100,000 Liability • Comp / Collision | Safeco | $166 | Henry, 47 Zip: 12586 | BMW 750 Li |
• State Minimum Liability • Comp / Collision | Plymouth Rock | $570 | Lydia, 31 Zip: 12586 | Honda Accord EX |
Last Updated Nov 20, 2024The 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.
"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 car insurance in Walden
After analyzing scores of insurance providers in Walden, we have discovered that the average price for minimum liability coverage amounts to be $154 per month or $1,848 per year. Additionally, residents of Walden can expect to pay an average of $216 per month or $2,597 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 Walden by rating factors
- 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 Walden?
How do different factors impact your car insurance costs in Walden?
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 Walden:
Cheap car insurance quotes in Walden 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 Walden after speeding ticket
Speeding comes in different sizes. In Walden, 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. Last Updated Nov 21, 2024Cheapest car insurance in Walden after DUI
A
DUI violation
will certainly skyrocket your car insurance rate in Walden. 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.
Francis (45 years old)
$64
per month
Michael (45 years old)
$70
per month
Cheapest car insurance in Walden after an at-fault accident
Car accidents
on your claim history can significantly impact your car insurance rates in Walden. 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
, Walden 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 Walden drivers find affordable rates even with at-fault accidents in the recent past.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Safeco | $154 | Brett, 30 Zip: 12586 | Toyota Corolla L | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Progressive | $140 | Theodore, 40 Zip: 12586 | Dodge Journey Crossroad | • State Minimum Liability |
Not At Fault | Plymouth Rock | $570 | Joe, 30 Zip: 12586 | Honda Accord EX | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Progressive | $140 | Daisy, 40 Zip: 12586 | Dodge Journey Crossroad | • State Minimum Liability |
Last Updated Nov 16, 2024Cheapest car insurance in Walden 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 Walden.Here’s a list of different driving violations and how we’ve helped drivers save on their car insurance expenses after these infractions.
Last Updated Nov 21, 2024Cheap car insurance quotes in Walden 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 Walden for young drivers
Car insurance can be high for everyone in Walden, 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.Cheapest car insurance in Walden 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.Cheap car insurance quotes in Walden 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:
Adrian (40 years old)
$140
per month
Linnie (36 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Walden, NY (Zip Code: 12586)
$83
per month
David (30 years old)
$87
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 Walden for popular cars
Your insurance rate is based on multiple factors, including the type of car you drive. If your car might require expensive repairs or replacement, attracts high theft rates, or has poor safety ratings, your insurance premiums will likely be higher than if you had a low-risk vehicle.
Popular cars in Walden include:
Last Updated Nov 17, 2024How to lower car insurance costs in Walden
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.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
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 Walden?
People living in Walden pay on average $154 per month – or $1,848 per year – on state-minimum liability coverage. Full coverage in Walden costs on average $216 per month or $2,597 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 Walden?
Based on thousands of Walden drivers Jerry has worked with, car insurance in Walden costs an average of $154 per month for state-minimum coverage and $216 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 Walden?
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 Walden, New York?
The state-minimum car insurance in Walden, 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
Maria Cruz
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.
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.