Best Woodstock, NY Car Insurance in 2025
Car insurance in Woodstock, NY averages $328 a month. Woodstock, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Woodstock car insurance rates, compare quotes from the top car insurance companies in Woodstock, NY.
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Table of Contents
Insurance and Finance Writer
Luke Williams is a finance, insurance, real estate, and home improvement expert based in Philadelphia, Pennsylvania, specializing in writing and researching for consumers. He studied finance, economics, and communications at Pennsylvania State University and graduated with a degree in Corporate Communications. His insurance and finance writing has been featured on Spoxor, The Good Men Project...
Luke Williams
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 October 2024
- The cheapest car insurance company in Woodstock is Geico
- Average car insurance rates in Woodstock, NY after a DUI are $5,210/year
- Average car insurance rates in Woodstock, NY are $3,938/year
If you need to buy Woodstock, New York car insurance, the options can be confusing. Everything you need to know about car insurance in Woodstock, NY is right here.
You’ll find Woodstock car insurance rates, the cheapest Woodstock, NY car insurance companies, and information on New York car insurance laws. You can also compare Woodstock, New York car insurance rates to Albany car insurance rates, Yonkers car insurance rates, and Syracuse car insurance rates.
Ready to find affordable Woodstock, NY car insurance today? Enter your ZIP code for fast, free Woodstock car insurance quotes.
Cheapest Woodstock, NY Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Woodstock, NY car insurance rates? Every Woodstock, 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 | $3,010 | $2,859 | $2,845 | $2,915 | $9,196 | $9,940 | $2,998 | $3,036 |
| 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 | $2,712 | $2,712 | $2,555 | $2,555 | $4,892 | $7,325 | $2,712 | $3,479 |
| Progressive | $2,049 | $1,913 | $1,641 | $1,668 | $6,883 | $7,641 | $2,634 | $2,554 |
| State Farm | $2,926 | $2,926 | $2,553 | $2,553 | $8,702 | $11,210 | $3,222 | $3,410 |
| Travelers | $2,814 | $2,834 | $2,542 | $2,726 | $6,354 | $7,501 | $2,978 | $3,098 |
| 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 Woodstock, NY
Every driver must carry the minimum car insurance required by the state in Woodstock, 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 Woodstock, NY Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Woodstock, NY. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Woodstock from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,614 | $3,860 | $3,326 |
| Geico | $2,734 | $2,010 | $1,803 |
| Liberty Mutual | $8,187 | $5,354 | $4,009 |
| Nationwide | $3,618 | $3,618 | $3,618 |
| Progressive | $5,368 | $2,747 | $2,003 |
| State Farm | $6,623 | $4,149 | $3,291 |
| Travelers | $5,322 | $3,343 | $2,903 |
| USAA | $5,185 | $2,565 | $2,265 |
Cheapest Woodstock, NY Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Woodstock, NY to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,865 | $3,865 | $5,741 | $4,929 |
| Geico | $1,719 | $1,873 | $3,419 | $1,719 |
| Liberty Mutual | $4,698 | $4,698 | $9,308 | $4,698 |
| Nationwide | $2,747 | $2,747 | $6,165 | $2,811 |
| Progressive | $3,281 | $3,281 | $3,630 | $3,300 |
| State Farm | $4,462 | $4,462 | $4,913 | $4,913 |
| Travelers | $3,315 | $4,109 | $4,166 | $3,835 |
| USAA | $2,972 | $3,020 | $4,343 | $3,020 |
Cheapest Woodstock, NY Car Insurance for Teen Drivers
Teen car insurance in Woodstock, NY can be expensive. Take a look at rates from the top car insurance companies in Woodstock for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,196 | $9,940 |
| Geico | $3,362 | $4,907 |
| Liberty Mutual | $8,248 | $13,407 |
| Nationwide | $4,892 | $7,325 |
| Progressive | $6,883 | $7,641 |
| State Farm | $8,702 | $11,210 |
| Travelers | $6,354 | $7,501 |
| USAA | $6,993 | $8,362 |
Cheapest Woodstock, NY Car Insurance for Seniors
Take a look at Woodstock, NY rates on car insurance for seniors 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 | $2,845 | $2,915 |
| Geico | $1,561 | $1,538 |
| Liberty Mutual | $3,949 | $3,949 |
| Nationwide | $2,555 | $2,555 |
| Progressive | $1,641 | $1,668 |
| State Farm | $2,553 | $2,553 |
| Travelers | $2,542 | $2,726 |
| USAA | $1,576 | $1,583 |
Cheapest Woodstock, NY Car Insurance Rates After a DUI
A DUI in Woodstock, NY increases car insurance rates. Compare Woodstock, New York car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,741 |
| Geico | $3,419 |
| Liberty Mutual | $9,308 |
| Nationwide | $6,165 |
| Progressive | $3,630 |
| State Farm | $4,913 |
| Travelers | $4,166 |
| USAA | $4,343 |
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Cheapest Woodstock, NY Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Woodstock, 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 | $4,536 | $4,663 |
| Geico | $2,118 | $2,247 |
| Liberty Mutual | $5,686 | $6,015 |
| Nationwide | $3,618 | $3,618 |
| Progressive | $3,373 | $3,373 |
| State Farm | $4,523 | $4,853 |
| Travelers | $3,856 | $3,856 |
| USAA | $3,305 | $3,372 |
The Best Cheap Car Insurance Companies in Woodstock, NY
Take a look at a side-by-side comparison of the top car insurance companies in Woodstock, NY to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,600 |
| Geico | $2,182 |
| Liberty Mutual | $5,850 |
| Nationwide | $3,618 |
| Progressive | $3,373 |
| State Farm | $4,688 |
| Travelers | $3,856 |
| USAA | $3,339 |
Category Winners: Cheapest Car Insurance in Woodstock, New York
Find the cheapest car insurance companies in Woodstock, NY for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Geico |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Geico |
| With 1 Speeding Violation | Geico |
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Cheapest Woodstock, NY Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Woodstock car insurance rates. Find the cheapest Woodstock, NY car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,225 | $4,576 | $4,998 |
| Geico | $2,072 | $2,173 | $2,302 |
| Liberty Mutual | $5,608 | $5,832 | $6,111 |
| Nationwide | $3,399 | $3,587 | $3,866 |
| Progressive | $3,192 | $3,352 | $3,574 |
| State Farm | $4,451 | $4,716 | $4,897 |
| Travelers | $3,669 | $3,819 | $4,080 |
| USAA | $3,250 | $3,324 | $3,442 |
What affects car insurance rates in Woodstock, New York?
What are the factors that affect car insurance rates in Woodstock, NY? There are several reasons why Woodstock car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Woodstock, New York.
Commute Time in Woodstock
The more time you spend in your car the higher the risk of an accident. The average commute length in Woodstock, NY is 27.2 minutes according to City-Data.
Compare Car Insurance Quotes in Woodstock, NY
Ready to find affordable Woodstock, New York car insurance today? Enter your ZIP code for fast, free Woodstock, NY car insurance quotes.
Frequently Asked Questions
How can I compare car insurance rates in Woodstock, NY?
To compare car insurance rates in Woodstock, NY, you can follow these seven steps:
- Research insurance providers: Look for reputable insurance companies that offer coverage in Woodstock, NY.
- Gather information: Collect relevant details about your vehicle, including make, model, year, and mileage.
- Request quotes: Contact insurance companies directly or use online platforms to obtain quotes from multiple providers.
- Provide accurate information: Make sure to provide accurate and up-to-date information when requesting quotes to receive accurate rates.
- Compare quotes: Review the quotes you receive, considering coverage options, deductibles, limits, and premiums.
- Consider other factors: Besides cost, consider factors such as customer service, claims handling, and the company’s financial stability.
- Make an informed decision: Choose the car insurance policy that offers the best coverage and suits your needs and budget.
What factors affect car insurance rates in Woodstock, NY?
Here are the nine factors that may influence car insurance rates in Woodstock, NY, including:
- Age and driving experience
- Vehicle make, model, and year
- Your driving record and claims history
- Your credit score
- The coverage limits and deductibles you choose
- The area where you live and park your vehicle
- The average annual mileage you drive
- Safety features installed in your car
- The insurance company’s underwriting guidelines and rating factors
Are there any specific coverage requirements for car insurance in Woodstock, NY?
Yes, New York State has specific coverage requirements for car insurance, and these requirements apply to Woodstock as well. The five minimum coverage limits mandated by law are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $10,000 property damage liability per accident
- $50,000 personal injury protection (PIP)
- Uninsured motorist coverage (UM) and underinsured motorist coverage (UIM) are also required.
Will my car insurance rates be affected by my driving record?
Yes, your driving record plays a significant role in determining your car insurance rates. If you have a clean driving record with no accidents or traffic violations, you are likely to receive lower rates. However, if you have a history of accidents, tickets, or DUI convictions, your rates may increase. Insurance companies consider your driving record as an indicator of your risk level and adjust premiums accordingly.
Can I get car insurance if I have a poor credit score?
Yes, you can still obtain car insurance with a poor credit score. However, it’s important to note that your credit score can impact the rates you are offered. Insurance companies often consider credit scores as part of their risk assessment. If you have a low credit score, you may be charged higher premiums compared to someone with a better credit history. Shopping around and comparing quotes from different insurance providers can help you find more affordable options.
Are there any discounts available to lower car insurance rates in Woodstock, NY?
Yes, many insurance companies offer various discounts that can help lower your car insurance rates in Woodstock, NY. There are three common discounts which include:
- Multi-policy discount
- Good driver discount
- Safety feature discount
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