Best Oswego, NY Car Insurance in 2025
Car insurance in Oswego, NY averages $265 a month. Oswego, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Oswego car insurance rates, compare quotes from the top car insurance companies in Oswego, NY.
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Table of Contents
Table of Contents
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Tracey L. Wells
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Scott W. Johnson
Updated December 2025
- The cheapest car insurance company in Oswego is Geico
- Average car insurance rates in Oswego, NY are $3,186/year
- Average car insurance rates in Oswego, NY after a DUI are $4,254/year
If you need to buy Oswego, New York car insurance, the options can be confusing. Everything you need to know about car insurance in Oswego, NY is right here.
You’ll find Oswego car insurance rates, the cheapest Oswego, NY car insurance companies, and information on New York car insurance laws. You can also compare Oswego, New York car insurance rates to Buffalo car insurance rates, New York car insurance rates, and Syracuse car insurance rates.
Ready to find affordable Oswego, NY car insurance today? Enter your ZIP code for fast, free Oswego car insurance quotes.
Cheapest Oswego, NY Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Oswego, NY car insurance rates? Every Oswego, New York car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,417 | $2,282 | $2,278 | $2,324 | $7,301 | $7,901 | $2,385 | $2,412 |
| Geico | $1,363 | $1,314 | $1,329 | $1,309 | $2,890 | $4,254 | $1,228 | $1,266 |
| Liberty Mutual | $3,631 | $3,631 | $3,383 | $3,383 | $7,065 | $11,451 | $3,631 | $3,854 |
| Nationwide | $2,172 | $2,172 | $2,051 | $2,051 | $3,851 | $5,729 | $2,172 | $2,765 |
| Progressive | $1,512 | $1,410 | $1,209 | $1,229 | $5,209 | $5,800 | $1,958 | $1,909 |
| State Farm | $2,059 | $2,059 | $1,799 | $1,799 | $6,047 | $7,776 | $2,264 | $2,385 |
| Travelers | $2,346 | $2,365 | $2,149 | $2,302 | $5,481 | $6,509 | $2,493 | $2,597 |
| USAA | $1,561 | $1,532 | $1,415 | $1,413 | $6,324 | $7,540 | $1,991 | $2,194 |
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Minimum Car Insurance in Oswego, NY
Every driver must carry the minimum car insurance in Oswego, NY. Take a look at the New York car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
Cheapest Oswego, NY Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Oswego, NY. Compare credit history car insurance rates in Oswego from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,232 | $3,086 | $2,670 |
| Geico | $2,342 | $1,721 | $1,544 |
| Liberty Mutual | $6,993 | $4,581 | $3,436 |
| Nationwide | $2,870 | $2,870 | $2,870 |
| Progressive | $3,987 | $2,075 | $1,526 |
| State Farm | $4,617 | $2,900 | $2,304 |
| Travelers | $4,494 | $2,857 | $2,489 |
| USAA | $4,621 | $2,317 | $2,051 |
Cheapest Oswego, NY Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Oswego, NY to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,082 | $3,082 | $4,563 | $3,922 |
| Geico | $1,463 | $1,595 | $2,956 | $1,463 |
| Liberty Mutual | $3,994 | $3,994 | $8,032 | $3,994 |
| Nationwide | $2,197 | $2,197 | $4,839 | $2,247 |
| Progressive | $2,460 | $2,460 | $2,724 | $2,475 |
| State Farm | $3,118 | $3,118 | $3,429 | $3,429 |
| Travelers | $2,802 | $3,502 | $3,554 | $3,263 |
| USAA | $2,655 | $2,699 | $3,933 | $2,699 |
Cheapest Oswego, NY Car Insurance for Teen Drivers
Teen car insurance in Oswego, NY can be expensive. Take a look at rates from the top car insurance companies in Oswego for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,301 | $7,901 |
| Geico | $2,890 | $4,254 |
| Liberty Mutual | $7,065 | $11,451 |
| Nationwide | $3,851 | $5,729 |
| Progressive | $5,209 | $5,800 |
| State Farm | $6,047 | $7,776 |
| Travelers | $5,481 | $6,509 |
| USAA | $6,324 | $7,540 |
Cheapest Oswego, NY Car Insurance for Seniors
Take a look at Oswego, NY senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,278 | $2,324 |
| Geico | $1,329 | $1,309 |
| Liberty Mutual | $3,383 | $3,383 |
| Nationwide | $2,051 | $2,051 |
| Progressive | $1,209 | $1,229 |
| State Farm | $1,799 | $1,799 |
| Travelers | $2,149 | $2,302 |
| USAA | $1,415 | $1,413 |
Cheapest Oswego, NY Car Insurance Rates After a DUI
A DUI in Oswego, NY increases car insurance rates. Compare Oswego, New York DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,563 |
| Geico | $2,956 |
| Liberty Mutual | $8,032 |
| Nationwide | $4,839 |
| Progressive | $2,724 |
| State Farm | $3,429 |
| Travelers | $3,554 |
| USAA | $3,933 |
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Cheapest Oswego, NY Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Oswego, NY by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,613 | $3,712 |
| Geico | $1,814 | $1,924 |
| Liberty Mutual | $4,864 | $5,143 |
| Nationwide | $2,870 | $2,870 |
| Progressive | $2,530 | $2,530 |
| State Farm | $3,157 | $3,390 |
| Travelers | $3,280 | $3,280 |
| USAA | $2,967 | $3,026 |
The Best Cheap Car Insurance Companies in Oswego, NY
Take a look at a side-by-side comparison of the top car insurance companies in Oswego, NY to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,662 |
| Geico | $1,869 |
| Liberty Mutual | $5,003 |
| Nationwide | $2,870 |
| Progressive | $2,530 |
| State Farm | $3,273 |
| Travelers | $3,280 |
| USAA | $2,996 |
Category Winners: Cheapest Car Insurance in Oswego, New York
Find the cheapest car insurance companies in Oswego, NY for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Progressive |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | Geico |
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Cheapest Oswego, NY Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Oswego car insurance rates. Find the cheapest Oswego, NY car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,479 | $3,651 | $3,857 |
| Geico | $1,772 | $1,865 | $1,970 |
| Liberty Mutual | $4,802 | $4,988 | $5,221 |
| Nationwide | $2,716 | $2,850 | $3,045 |
| Progressive | $2,407 | $2,518 | $2,664 |
| State Farm | $3,094 | $3,292 | $3,435 |
| Travelers | $3,130 | $3,253 | $3,458 |
| USAA | $2,914 | $2,983 | $3,091 |
What affects car insurance rates in Oswego, New York?
What factors can have an impact on Oswego, NY car insurance? There are several reasons why Oswego car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Oswego, New York.
Commute Time in Oswego
The more time you spend in your car the higher the risk of an accident. The average commute length in Oswego, NY is 16.5 minutes according to City-Data.
Compare Car Insurance Quotes in Oswego, NY
Ready to find affordable Oswego, New York car insurance today? Enter your ZIP code for fast, free Oswego, NY car insurance quotes.
Frequently Asked Questions
How does commute length affect car insurance rates in Oswego, NY?
Commute length can impact car insurance rates in Oswego, NY. Typically, a longer commute distance may result in higher rates. Comparing quotes from different companies can help determine the specific impact on rates.
How does a DUI affect car insurance rates in Oswego, NY?
A DUI can significantly increase car insurance rates in Oswego, NY. After a DUI, rates can rise considerably, but comparing quotes from various companies can help find more affordable options.
How much does car insurance for senior drivers cost in Oswego, NY?
Car insurance rates for senior drivers in Oswego, NY can vary based on factors such as age, gender, and driving record. It’s recommended for seniors to compare quotes from different insurance companies to find the most affordable rates.
How much does car insurance for teen drivers cost in Oswego, NY?
Car insurance for teen drivers in Oswego, NY can be expensive. Rates vary depending on the insurance company, but it’s important to compare quotes to find the best rates for teenagers.
How does driving record affect car insurance rates in Oswego, NY?
Your driving record has a significant impact on car insurance rates. A clean record typically leads to lower rates, while accidents, DUIs, and speeding violations can increase rates. Comparing rates from different companies is essential to find the most affordable options.
What is the minimum car insurance coverage required in Oswego, NY?
The minimum car insurance coverage required in Oswego, NY includes $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $10,000 in property damage liability coverage.
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