Cheapest car insurance companies in Cohoes
Progressive and NYCM Insurance offer the cheapest car insurance rates in Cohoes for 2023, according to a study by Insurance.com.
Progressive is the cheapest option for most Cohoes drivers, with an average annual rate of $707 .
Car insurance prices in Cohoes can differ based on where you live, your driving history, coverage limit, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies. Below are the companies that offer cheap car insurance to Cohoes drivers.
| Companies | Average annual rates |
|---|---|
| Progressive | $707 |
| NYCM Insurance | $1,009 |
| USAA | $1,212 |
| Erie Insurance | $1,311 |
| Geico | $1,388 |
| State Farm | $1,439 |
| Allstate | $1,692 |
| Travelers | $2,424 |
| Chubb Ltd | $2,844 |
| The Hanover | $3,104 |
Cheapest car insurance cost in Cohoes by Age Group
Progressive stands out as Cohoes's cheapest auto insurance company for teen drivers at an average annual of $2,302. Insurance providers classify teenagers as high-risk drivers, and that's why they typically face increased insurance costs compared to other age groups.
However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible.
When compared to other car insurance companies, Progressive turned out to be the cheapest car insurance company for young drivers in Cohoes, offering full coverage at an annual average cost of $1,136.
For Cohoes drivers entering their 30s, car insurance becomes significantly more affordable compared to their younger years. Progressive provides the cheapest car insurance premiums, offering full coverage policies at $700 annually.
With an average annual premium of $745, Progressive offers Cohoes's senior drivers the cheapest car insurance premiums, ensuring financial security and peace of mind behind the wheel.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Progressive | $2,302 | $1,136 | $700 | $745 |
| NYCM Insurance | $2,323 | $1,546 | $1,048 | $1,022 |
| Erie Insurance | $3,568 | $2,168 | $1,315 | $1,333 |
| Geico | $3,918 | $1,894 | $1,409 | $1,605 |
| State Farm | $4,298 | $2,401 | $1,427 | $1,384 |
| USAA | $4,899 | $1,840 | $1,218 | $1,334 |
| Allstate | $5,490 | $2,479 | $1,685 | $1,771 |
| Travelers | $5,826 | $3,021 | $2,403 | $2,640 |
| The Hanover | $6,791 | $4,711 | $3,159 | $3,304 |
| Chubb Ltd | $6,877 | $4,563 | $2,858 | $2,493 |
Cheapest car insurance companies in Cohoes by driver profile
When determining car insurance rates in Cohoes, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.
To find the cheapest car insurance company in Cohoes, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.
In Cohoes, these insurance companies offer cheap car insurance rates based on your driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: Progressive
- Cheapest for accident: Progressive
- Cheapest for DUI: Progressive
Cheapest for a driver with poor credit: Geico
Geico has the cheapest rates for Cohoes drivers with poor credit looking for affordable auto insurance. At an annual cost of $1,321, Geico offers substantial savings among the insurers analyzed.
Drivers with poor or bad credit scores in Cohoes can consider the following car insurance companies to get the affordable car insurance coverage.
| Company | Average annual rates |
|---|---|
| Geico | $1,321 |
| USAA | $2,251 |
| Allstate | $2,407 |
| State Farm | $2,779 |
| Travelers | $3,442 |
| Progressive | $4,204 |
Cheapest for drivers with a speeding ticket: Progressive
Progressive has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in Cohoes. Its full coverage car insurance policy costs an average of $685 per year for drivers aged 30.
Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors.
Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price.
| Company | Average annual premium |
|---|---|
| Progressive | $685 |
| USAA | $1,337 |
| State Farm | $1,445 |
| Geico | $1,574 |
| Allstate | $1,730 |
| Travelers | $2,401 |
Cheapest auto insurance after an at-fault accident: Progressive
Progressive is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Cohoes is $916. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.
| Company | Average annual rates |
|---|---|
| Progressive | $916 |
| State Farm | $1,624 |
| USAA | $1,630 |
| Geico | $1,698 |
| Allstate | $1,851 |
| Travelers | $2,529 |
Cheapest auto insurance after a DUI: Progressive
In Cohoes, Progressive has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $735 a year.
If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers.
| Company | Average annual rates |
|---|---|
| Progressive | $735 |
| State Farm | $1,445 |
| USAA | $2,062 |
| Allstate | $2,334 |
| Travelers | $2,675 |
| Geico | $3,734 |
Average car insurance cost in Cohoes
On average, Cohoes drivers pay $1,713 annually, or $143 monthly, for full coverage car insurance policies with a coverage level of 100/300/100. Conversely, the average annual cost of state minimum coverage in Cohoes is $712.
Choosing full coverage insurance may mean a higher policy cost compared to the state minimum, but it offers better protection. It provides liability coverage as well as
| Average annual Rates | State minimum average |
|---|---|
| $1,713 | $712 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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