Cheapest Car Insurance Quotes in Saranac Lake

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Saranac Lake Car Insurance

^$ 33

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Saranac Lake

The car insurance rate in Saranac Lake is $772 for a six-month policy, which is $257 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $414, making it a popular choice for budget-conscious drivers. Rates in Saranac Lake can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Saranac Lake

$772

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Saranac Lake

1st place: Kemper

At $414 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: New York Central Mutual Fire

New York Central Mutual Fire offers auto insurance rates at $548 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $553 for six months, making it the third cheapest auto insurance company in Saranac Lake.

Saranac Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Saranac Lake, NY is Kemper, offering policies at just $414 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $548.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1154 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Saranac Lake drivers find the best deals.

Cheap Car Insurance Companies in Saranac Lake, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$414	$71
New York Central Mutual Fire	$548	$92
Progressive	$553	$93
American Family	$641	$108
NYCM	$673	$113
Erie	$806	$134
Nationwide	$811	$138
USAA	$815	$137
State Farm	$1011	$170
Travelers	$1065	$179
Allstate	$1154	$194

Key Takeaways

Way's key takeaways about car insurance in Saranac Lake

The auto insurance costs in Saranac Lake fall around $414 for six months.
The cheapest auto insurance company in Saranac Lake is New York Central Mutual Fire.
Teen drivers pay the highest rate in Saranac Lake at $588 per month.

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Cheapest Minimum Liability Car Insurance in Saranac Lake

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Saranac Lake are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Saranac Lake. Their Average 6 Month Premium is $196. Preferred Mutual is the most expensive at $517 for the same period.

Cheapest Liability Coverage in Saranac Lake, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$196	$33
NYCM	$205	$35
Kemper	$241	$40
Progressive	$285	$48
American Family	$290	$49
USAA	$352	$59
Nationwide	$374	$62
Erie	$473	$80
State Farm	$548	$92
Travelers	$588	$99
Allstate	$615	$104
Utica National	$428	$73
Preferred Mutual	$517	$86

Cheapest Full Coverage Car Insurance in Saranac Lake

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Saranac Lake is Kemper at $71 per month and $414 for six months.

Cheapest Full Coverage Car Insurance Quotes in Saranac Lake, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$414	$71
New York Central Mutual Fire	$548	$92
Progressive	$553	$93
American Family	$641	$108
NYCM	$673	$113
Erie	$806	$134
Nationwide	$811	$138
USAA	$815	$137
State Farm	$1011	$170
Travelers	$1065	$179
Allstate	$1154	$194

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Average Car Insurance in Saranac Lake by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Saranac Lake, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Saranac Lake, New York, may be increasing due to several external factors. New York has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Saranac Lake's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Saranac Lake

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	National Grange Mutual	$422
30s	National Grange Mutual	$301
40s	National Grange Mutual	$290
50s	National Grange Mutual	$294
60s	National Grange Mutual	$317
70s	National Grange Mutual	$434

Cheapest Car Insurance Rates for Teen Drivers in Saranac Lake,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Saranac Lake at $47 per month. At $3493 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$281	$47
American Family	$338	$57
NYCM	$566	$95
Progressive	$896	$151
New York Central Mutual Fire	$976	$163
USAA	$1791	$302
Nationwide	$2339	$390
Travelers	$2896	$488
Allstate	$3132	$527
State Farm	$3493	$588

Teen Car Insurance Rates in NY by Age

Way Tip

If you are in your twenties National Grange Mutual is the best choice for car insurance in Saranac Lake.

As young drivers face the highest rates in Saranac Lake, National Grange Mutual offers the cheapest auto insurance rates at $422 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Saranac Lake, Chubb is the cheapest car insurance provider. At $602 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Saranac Lake is Progressive, offering rates of around $3881 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$602	$101
Kemper	$629	$107
Nationwide	$811	$135
USAA	$1123	$191
NYCM	$1172	$195
Erie	$1270	$216
American Family	$1493	$249
Allstate	$1528	$257
State Farm	$1582	$266
Mercury	$1858	$316
Travelers	$1898	$320
Progressive	$3881	$653

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Save up to $971/yr on car insurance rates in Saranac Lake.

Car Insurance Rates with An Accident in Saranac Lake

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Saranac Lake, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Saranac Lake

The cheapest car insurance companies after an at-fault accident in Saranac Lake include Kemper and American Family, offering $347 and $356, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $432.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$347	$58
American Family	$356	$60
NYCM	$432	$73
Erie	$473	$80
Chubb	$521	$87
Progressive	$570	$96
New York Central Mutual Fire	$659	$110
USAA	$708	$119
Nationwide	$1065	$178
Allstate	$1074	$181
State Farm	$1297	$218
Travelers	$1319	$222
Utica National	$428	$73
Preferred Mutual	$432	$72

Saranac Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Saranac Lake NY. For example, the car insurance in Saranac Lake after a DUI increases to $535 for a six month policy. While the rate increases by $85 for a six-month policy in the case of a speeding ticket.

Saranac Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$940	$157
One Med/PIP claim	$940	$160
One comp claim	$949	$158
Two comp claims	$958	$163
Two Med/PIP claims	$958	$160
Not-at-fault accident	$962	$164
Failure to show documents	$976	$163
Failure to wear a seat belt	$980	$167
Driving with expired registration	$989	$165
At-fault accident - less than $1000	$994	$169
Cell phone violation	$994	$166
Child safety restraint	$994	$169
Driving without lights	$994	$166
Failure to stop at a red light	$994	$169
Failure to yield	$994	$166
Following too closely	$994	$169
Illegal turn	$994	$166
Improper passing	$994	$169
Passing school bus	$994	$166
Texting while driving	$994	$169
Wrong way/wrong lane	$994	$166
Driving too slowly	$1003	$170
Speeding in school zone	$1003	$167
At-fault accident - $1000-$2000	$1007	$171
Speeding 11 - 15 MPH over limit	$1025	$171
Speeding 6 - 10 MPH over limit	$1025	$174
Operating a vehicle without permission	$1043	$174
Open container	$1056	$179
In 65 MPH zone	$1100	$184
Speeding 16 - 20 MPH over limit	$1114	$190
Speeding 21 - 25 MPH over limit	$1154	$192
At-fault accident - greater than $2000	$1243	$212
Reckless driving	$1328	$221
Racing	$1381	$235
Driving with a suspended license	$1430	$239
Refusal to submit to a chemical test	$1461	$248
DUI	$1475	$246
Leaving scene of an accident/hit and run	$1497	$254

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Saranac Lake after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Saranac Lake.

The cheapest car insurance premiums in Saranac Lake are offered by American Family at $338 for a six-month policy. However, it can be as expensive as $1511 with companies like State Farm.

Saranac Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$338	$57
Kemper	$356	$61
Progressive	$432	$73
NYCM	$544	$92
New York Central Mutual Fire	$802	$134
USAA	$855	$144
Allstate	$1270	$214
Travelers	$1305	$220
Nationwide	$1323	$221
State Farm	$1511	$254

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Saranac Lake are offered by American Family at $299. However, it can be as expensive as $1532 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Saranac Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$299	$51
Kemper	$299	$50
Progressive	$370	$62
NYCM	$494	$83
USAA	$673	$115
Nationwide	$927	$155
State Farm	$1003	$170
Travelers	$1466	$245
Allstate	$1532	$260

Car Insurance Price Trends in Saranac Lake, New York

Car insurance rates in Saranac Lake have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Saranac Lake dipped by $185 in December compared to $186 of November. In other words, there has been an decrease by $1 when you compare December and November.

The average cost of liability insurance in the Saranac Lake dipped to $64 in December, compared to $66 in November. This represents an decrease of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Saranac Lake?

The car insurance in Saranac Lake is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Saranac Lake?

The cheapest car insurance in Saranac Lake is $71 per month for full coverage.

How much is car insurance in Saranac Lake for teenagers?

Car insurance for teenagers costs $281 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Saranac Lake?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $130 per month to insure your car in Saranac Lake.

Is car insurance expensive in Saranac Lake?

Car insurance can be expensive in Saranac Lake if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Saranac Lake can be affordable.

Cheapest Car Insurance Quotes in Saranac Lake

Why you can trust Way?

How Much Is Car Insurance in Saranac Lake

Avg. Car Insurance in Saranac Lake

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Saranac Lake

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Saranac Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Saranac Lake, NY

Way's key takeaways about car insurance in Saranac Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Saranac Lake

Cheapest Liability Coverage in Saranac Lake, NY

Cheapest Full Coverage Car Insurance in Saranac Lake

Cheapest Full Coverage Car Insurance Quotes in Saranac Lake, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Saranac Lake by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Saranac Lake, NY increasing?

Car Insurance Premiums by Age in Saranac Lake

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Saranac Lake,NY

If you are in your twenties National Grange Mutual is the best choice for car insurance in Saranac Lake.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Saranac Lake

Cheapest Car Insurance Companies after an At-Fault Accident in Saranac Lake

Saranac Lake Car Insurance Rates by Violation

Saranac Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Saranac Lake after a DUI

Saranac Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Saranac Lake after Speeding ticket

Car Insurance Price Trends in Saranac Lake, New York

Average Car Insurance Cost in Saranac Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Saranac Lake, NY

Car Insurance Rates by State in the USA (2025 Update)

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