Best Schoharie, NY Car Insurance in 2025
Car insurance in Schoharie, NY averages $283 a month. Schoharie, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Schoharie car insurance rates, compare quotes from the top car insurance companies in Schoharie, NY.
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Table of Contents
Table of Contents
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Michael Leotta
Updated December 2025
- The cheapest car insurance company in Schoharie is Geico
- Average car insurance rates in Schoharie, NY after a DUI are $4,534/year
- Average car insurance rates in Schoharie, NY are $3,397/year
If you need to buy Schoharie, New York car insurance, the options can be confusing. Everything you need to know about car insurance in Schoharie, NY is right here.
You’ll find Schoharie car insurance rates, the cheapest Schoharie, NY car insurance companies, and information on New York car insurance laws. You can also compare Schoharie, New York car insurance rates to Albany car insurance rates, Rochester car insurance rates, and Schenectady car insurance rates.
Ready to find affordable Schoharie, NY car insurance today? Enter your ZIP code for fast, free Schoharie car insurance quotes.
Cheapest Schoharie, NY Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Schoharie, NY car insurance rates? Every Schoharie, 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 | $2,461 | $2,325 | $2,314 | $2,358 | $7,354 | $7,952 | $2,438 | $2,467 |
| Geico | $1,606 | $1,546 | $1,561 | $1,538 | $3,362 | $4,907 | $1,450 | $1,489 |
| Liberty Mutual | $4,244 | $4,244 | $3,949 | $3,949 | $8,248 | $13,407 | $4,244 | $4,515 |
| Nationwide | $2,068 | $2,068 | $1,954 | $1,954 | $3,660 | $5,437 | $2,068 | $2,629 |
| Progressive | $1,587 | $1,490 | $1,274 | $1,296 | $5,440 | $6,079 | $2,065 | $2,031 |
| State Farm | $1,997 | $1,997 | $1,738 | $1,738 | $5,834 | $7,534 | $2,192 | $2,323 |
| Travelers | $2,553 | $2,583 | $2,323 | $2,497 | $5,872 | $6,977 | $2,710 | $2,829 |
| USAA | $1,750 | $1,722 | $1,576 | $1,583 | $6,993 | $8,362 | $2,243 | $2,480 |
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Minimum Car Insurance in Schoharie, NY
Every driver must carry the minimum car insurance in Schoharie, 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 Schoharie, NY Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Schoharie, NY. Compare credit history car insurance rates in Schoharie from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,294 | $3,126 | $2,707 |
| Geico | $2,734 | $2,010 | $1,803 |
| Liberty Mutual | $8,187 | $5,354 | $4,009 |
| Nationwide | $2,730 | $2,730 | $2,730 |
| Progressive | $4,181 | $2,186 | $1,607 |
| State Farm | $4,474 | $2,806 | $2,227 |
| Travelers | $4,872 | $3,079 | $2,678 |
| USAA | $5,185 | $2,565 | $2,265 |
Cheapest Schoharie, 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 Schoharie, NY to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,130 | $3,130 | $4,607 | $3,968 |
| Geico | $1,719 | $1,873 | $3,419 | $1,719 |
| Liberty Mutual | $4,698 | $4,698 | $9,308 | $4,698 |
| Nationwide | $2,094 | $2,094 | $4,589 | $2,141 |
| Progressive | $2,585 | $2,585 | $2,861 | $2,600 |
| State Farm | $3,021 | $3,021 | $3,317 | $3,317 |
| Travelers | $3,041 | $3,776 | $3,831 | $3,524 |
| USAA | $2,972 | $3,020 | $4,343 | $3,020 |
Cheapest Schoharie, NY Car Insurance for Teen Drivers
Teen car insurance in Schoharie, NY can be expensive. Take a look at rates from the top car insurance companies in Schoharie for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,354 | $7,952 |
| Geico | $3,362 | $4,907 |
| Liberty Mutual | $8,248 | $13,407 |
| Nationwide | $3,660 | $5,437 |
| Progressive | $5,440 | $6,079 |
| State Farm | $5,834 | $7,534 |
| Travelers | $5,872 | $6,977 |
| USAA | $6,993 | $8,362 |
Cheapest Schoharie, NY Car Insurance for Seniors
Take a look at Schoharie, 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 | $2,314 | $2,358 |
| Geico | $1,561 | $1,538 |
| Liberty Mutual | $3,949 | $3,949 |
| Nationwide | $1,954 | $1,954 |
| Progressive | $1,274 | $1,296 |
| State Farm | $1,738 | $1,738 |
| Travelers | $2,323 | $2,497 |
| USAA | $1,576 | $1,583 |
Cheapest Schoharie, NY Car Insurance Rates After a DUI
A DUI in Schoharie, NY increases car insurance rates. Compare Schoharie, New York DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,607 |
| Geico | $3,419 |
| Liberty Mutual | $9,308 |
| Nationwide | $4,589 |
| Progressive | $2,861 |
| State Farm | $3,317 |
| Travelers | $3,831 |
| USAA | $4,343 |
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Cheapest Schoharie, NY Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Schoharie, 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 | $3,659 | $3,759 |
| Geico | $2,118 | $2,247 |
| Liberty Mutual | $5,686 | $6,015 |
| Nationwide | $2,730 | $2,730 |
| Progressive | $2,658 | $2,658 |
| State Farm | $3,058 | $3,279 |
| Travelers | $3,543 | $3,543 |
| USAA | $3,305 | $3,372 |
The Best Cheap Car Insurance Companies in Schoharie, NY
Take a look at a side-by-side comparison of the top car insurance companies in Schoharie, NY to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,709 |
| Geico | $2,182 |
| Liberty Mutual | $5,850 |
| Nationwide | $2,730 |
| Progressive | $2,658 |
| State Farm | $3,169 |
| Travelers | $3,543 |
| USAA | $3,339 |
Category Winners: Cheapest Car Insurance in Schoharie, New York
Find the cheapest car insurance companies in Schoharie, 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 Schoharie, NY Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Schoharie car insurance rates. Find the cheapest Schoharie, NY car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,525 | $3,698 | $3,903 |
| Geico | $2,072 | $2,173 | $2,302 |
| Liberty Mutual | $5,608 | $5,832 | $6,111 |
| Nationwide | $2,584 | $2,711 | $2,895 |
| Progressive | $2,531 | $2,644 | $2,799 |
| State Farm | $3,016 | $3,186 | $3,304 |
| Travelers | $3,368 | $3,508 | $3,752 |
| USAA | $3,250 | $3,324 | $3,442 |
What affects car insurance rates in Schoharie, New York?
What factors can have an impact on Schoharie, NY car insurance? There are several reasons why Schoharie car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Schoharie, New York.
Commute Time in Schoharie
The more time you spend in your car the higher the risk of an accident. The average commute length in Schoharie, NY is 20.8 minutes according to City-Data.
Compare Car Insurance Quotes in Schoharie, NY
Ready to find affordable Schoharie, New York car insurance today? Enter your ZIP code for fast, free Schoharie, NY car insurance quotes.
Frequently Asked Questions
What are the car insurance requirements in Schoharie, NY?
The car insurance requirements in Schoharie, NY are 25/50/10. This means you need to have at least $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.
Do I need full coverage insurance if my car is financed in Schoharie, NY?
If your car is financed, it is likely that you will be required by the lender to have full coverage insurance. Full coverage typically includes comprehensive and collision coverage in addition to liability coverage.
How can I find cheap car insurance rates in Schoharie, NY?
To find cheap car insurance rates in Schoharie, NY, it is recommended to compare quotes from multiple insurance companies. By comparing rates, you can find the best coverage options at the most affordable prices.
How does my driving record affect car insurance rates in Schoharie, NY?
Your driving record is one of the key factors that affect car insurance rates in Schoharie, NY. If you have a clean driving record with no accidents or violations, you are likely to get lower rates. On the other hand, a history of accidents or violations may result in higher premiums.
How does my credit score impact car insurance rates in Schoharie, NY?
Your credit score can have an impact on your car insurance rates in Schoharie, NY. Generally, individuals with higher credit scores are considered to be less risky and may qualify for lower insurance rates. Conversely, individuals with lower credit scores may face higher premiums.
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