Car insurance in Cohoes for an adult with a clean driving record and good insurance score costs $1,495 a year for a full coverage policy, according to CarInsurance.com data.

But that’s just an average. Insurance companies look at drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.

Where you live is also a big factor. Car insurance rates can vary greatly from city to city and even from ZIP code to ZIP code within a city.

More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors.

Some ZIP codes have much more auto theft than other areas. Insurers will thus charge higher premiums in those zip codes because the risk of loss is much higher. Other ZIP codes have a lot more car wrecks and the insurance company will charge higher premiums to cover the risk,” says James Brau, professor of finance at Brigham Young University. “Imagine a densely-crowded ZIP code where a lot of folks are driving versus a code out in a rural area where you hardly ever see another car. The odds of more wrecks and thefts are higher where there are a ton of vehicles — it becomes a statistics exercise.

Knowing where you live and what you’re likely to pay can be a big help when shopping for auto insurance.

That’s why our experts have created this comprehensive guide to help you make intelligent decisions about car insurance. The guide provides the average car insurance rates in Cohoes by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Cohoes.

Key Highlights
  • Car insurance in Cohoes is cheaper than car insurance in New York for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Cohoes is $1,495 per year or $125 per month.
  • In Cohoes, Progressive offers the cheapest full coverage car insurance at $49 per month.
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Written by:
Katrina Raenell
Contributing Researcher
Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.
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Reviewed by:
Laura Longero
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Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

What is the average cost of car insurance in Cohoes, NY?

The average auto insurance rates in Cohoes, NY at various coverage levels are listed below:

  • State minimum: $667 per year
  • Liability-only coverage (50/100/50): $721 per year
  • Full coverage (100/300/100): $1,495 per year

The cost of car insurance can vary significantly depending on the coverage level you choose. The three most-talked-about coverage levels are:

State minimum car insurance, which is the minimum liability coverage your state requires; liability car insurance coverage, which pays for the medical bills of anyone you injure with your car and pays to repair or replace any cars or property you hit; and full coverage car insurance, which includes collision and comprehensive insurance that pays for damage to your car.

Average annual rates by company for different coverage levels

CompanyState MinimumLiability OnlyFull Coverage
Progressive$272$294$585
American Family$461$501$942
Geico$368$422$1,084
Erie Insurance$417$467$1,131
USAA$440$465$1,214
State Farm$561$636$1,316
Allstate$677$723$1,354
Travelers$1,146$1,192$2,011
Kemper Insurance$968$1,024$2,054
Mercury Insurance$1,358$1,489$3,259

Note:

  • State Minimum: State minimum liability only
  • Liability Only: 50/100/50 liability only
  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

What are the cheapest car insurance companies in Cohoes, NY?

Out of all the carriers available in Cohoes, Progressive offers the cheapest full coverage car insurance at $49 per month.

The second-cheapest car insurance company in Cohoes is American Family, offering car insurance at $79 monthly.

Cheapest CompanyFull Coverage Monthly Rates
Progressive$49
American Family$79
Geico$90
Erie Insurance$94
USAA$101
State Farm$110
Allstate$113
Travelers$168
Kemper Insurance$171
Mercury Insurance$272

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Comparing quotes from multiple insurers can help you save money on your car insurance premiums.

Which companies offer the cheapest rates for high-risk drivers in Cohoes, NY?

Car insurance is more expensive for high-risk drivers. A high-risk driver in New York is considered as such because they have:

  • Multiple speeding tickets or other traffic infractions in the last three- to five-year period.
  • An injury or a high-cost accident in the last three- to five-year period
  • A DUI conviction
  • A teen/inexperienced driver on their policy
  • A high-performance sports car
  • A poor credit score (a few states — California, Hawaii, Maryland, Massachusetts and Michigan — prohibit insurance companies from using credit to set rates)
  • A recent lapse in car insurance

Cheapest rates for drivers with two speeding tickets in Cohoes, NY

See the average annual premium for drivers with two speeding tickets on their records in Cohoes, NY in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
Progressive$62
American Family$82
USAA$109
State Farm$120
Allstate$143
Geico$146
Erie$148
Kemper$204
Travelers$217
Mercury$435

Note:

  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Insurance rates after receiving 2 speeding tickets for speeds 11 mph or over.

Cheapest rates for drivers with a DUI conviction in Cohoes, NY

See the average annual premium for a driver convicted of DUI in Cohoes, NY in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
Progressive$51
American Family$97
State Farm$120
USAA$145
Allstate$159
Erie$175
Travelers$199
Geico$247
Kemper$336
Mercury$352

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Companies with the cheapest insurance by driver profile in Cohoes, NY

Personal factors can affect how much you pay for car insurance in states that allow it. Insurance companies do use a driver’s age as a rating factor as more driving experience leads to lower rates – and vice versa. However, not all states allow gender and credit score to be used when setting car insurance rates.

Cheapest rates for drivers in Cohoes, NY, by age

Age is a key factor when considering car insurance rates in most cities, including Cohoes – it’s one of several key factors taken into account by insurers to determine premiums.

Teens (age 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.

Drivers in their 40s, 50s and 60s pay less for their car insurance premiums when compared to teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute.

AgeCheapest CompanyFull Coverage Monthly Rates
16Allstate$498
16American Family$263
16Geico$386
16Erie Insurance$363
16Kemper Insurance$548
16Mercury Insurance$791
16Progressive$193
16State Farm$450
16Travelers$578
16USAA$595
17Allstate$430
17American Family$233
17Geico$367
17Erie Insurance$355
17Kemper Insurance$542
17Mercury Insurance$861
17Progressive$191
17State Farm$394
17Travelers$459
17USAA$514
18Allstate$349
18American Family$201
18Geico$321
18Erie Insurance$342
18Kemper Insurance$455
18Mercury Insurance$843
18Progressive$160
18State Farm$375
18Travelers$389
18USAA$443
19Allstate$256
19American Family$170
19Geico$228
19Erie Insurance$280
19Kemper Insurance$383
19Mercury Insurance$583
19Progressive$137
19State Farm$272
19Travelers$291
19USAA$226
20Allstate$239
20American Family$158
20Geico$183
20Erie Insurance$264
20Kemper Insurance$381
20Mercury Insurance$583
20Progressive$112
20State Farm$262
20Travelers$256
20USAA$209
21Allstate$182
21American Family$136
21Geico$143
21Erie Insurance$196
21Kemper Insurance$332
21Mercury Insurance$483
21Progressive$91
21State Farm$198
21Travelers$227
21USAA$164
22Allstate$164
22American Family$128
22Geico$130
22Erie Insurance$170
22Kemper Insurance$330
22Mercury Insurance$483
22Progressive$80
22State Farm$191
22Travelers$210
22USAA$155
23Allstate$151
23American Family$120
23Geico$117
23Erie Insurance$154
23Kemper Insurance$299
23Mercury Insurance$375
23Progressive$73
23State Farm$181
23Travelers$197
23USAA$147
24Allstate$137
24American Family$114
24Geico$117
24Erie Insurance$125
24Kemper Insurance$297
24Mercury Insurance$375
24Progressive$66
24State Farm$169
24Travelers$188
24USAA$141
25Allstate$122
25American Family$104
25Geico$98
25Erie Insurance$119
25Kemper Insurance$249
25Mercury Insurance$308
25Progressive$59
25State Farm$127
25Travelers$181
25USAA$129
30Allstate$113
30American Family$89
30Geico$90
30Erie Insurance$103
30Kemper Insurance$197
30Mercury Insurance$286
30Progressive$54
30State Farm$112
30Travelers$172
30USAA$110
35Allstate$113
35American Family$79
35Geico$90
35Erie Insurance$97
35Kemper Insurance$181
35Mercury Insurance$290
35Progressive$52
35State Farm$110
35Travelers$169
35USAA$105
40Allstate$113
40American Family$79
40Geico$90
40Erie Insurance$94
40Kemper Insurance$171
40Mercury Insurance$272
40Progressive$49
40State Farm$110
40Travelers$168
40USAA$101
45Allstate$113
45American Family$78
45Geico$90
45Erie Insurance$93
45Kemper Insurance$162
45Mercury Insurance$272
45Progressive$48
45State Farm$109
45Travelers$166
45USAA$98
50Allstate$114
50American Family$78
50Geico$93
50Erie Insurance$91
50Kemper Insurance$155
50Mercury Insurance$264
50Progressive$45
50State Farm$106
50Travelers$163
50USAA$93
55Allstate$112
55American Family$79
55Geico$93
55Erie Insurance$88
55Kemper Insurance$147
55Mercury Insurance$263
55Progressive$44
55State Farm$102
55Travelers$164
55USAA$92
60Allstate$116
60American Family$80
60Geico$93
60Erie Insurance$88
60Kemper Insurance$145
60Mercury Insurance$270
60Progressive$44
60State Farm$98
60Travelers$166
60USAA$92
65Allstate$121
65American Family$86
65Geico$95
65Erie Insurance$94
65Kemper Insurance$148
65Mercury Insurance$306
65Progressive$48
65State Farm$98
65Travelers$171
65USAA$96
70Allstate$121
70American Family$102
70Geico$105
70Erie Insurance$100
70Kemper Insurance$166
70Mercury Insurance$340
70Progressive$54
70State Farm$104
70Travelers$186
70USAA$111
75Allstate$129
75American Family$120
75Geico$116
75Erie Insurance$112
75Kemper Insurance$199
75Mercury Insurance$374
75Progressive$64
75State Farm$115
75Travelers$205
75USAA$136

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Cheapest rates for drivers in Cohoes, NY, with poor credit

Except in states that don’t allow it – California, Hawaii, Massachusetts, Washington and Michigan – drivers who have poor credit will pay higher rates for car insurance because they’re viewed as riskier by auto insurers.

Cheapest CompanyFull Coverage Monthly Rates with Bad Credit
Geico$110
USAA$188
Allstate$193
Erie Insurance$217
State Farm$232
Travelers$286
Progressive$340
American Family$383
Kemper Insurance$506
Mercury Insurance$606

Final thoughts: Car insurance cost in Cohoes, NY

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in Cohoes, NY. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.

Resources & Methodology

Sources:

  1. Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
  2. Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed August 2023.

Methodology:

CarInsurance.com, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in Cohoes, New York.

The rates were derived from a sample profile of a 40-year-old male driving a Honda Accord LX, with no history of violations and a good insurance score. This sample profile opted for full coverage policies with limits of up to 100/300/100 and a $500 comprehensive and collision deductible.

The data was collected across approximately 34,523 ZIP codes, resulting in a total of 56,838,240 quotes obtained from 41 companies.

Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Contributing Researcher

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.