Cheapest Car Insurance Quotes in South Glens Falls

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South Glens Falls Car Insurance

^$ 32

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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 South Glens Falls

The car insurance rate in South Glens Falls is $834 for a six-month policy, which is $324 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $397, making it a popular choice for budget-conscious drivers. Rates in South Glens Falls 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 South Glens Falls

$834

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in South Glens Falls

1st place: Kemper

At $397 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 $526 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $560 for six months, making it the third cheapest auto insurance company in South Glens Falls.

South Glens Falls Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Glens Falls, NY is Kemper, offering policies at just $397 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $526.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $1279 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Glens Falls drivers find the best deals.

Cheap Car Insurance Companies in South Glens Falls, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$397	$68
New York Central Mutual Fire	$526	$88
Progressive	$560	$94
American Family	$616	$104
NYCM	$744	$125
USAA	$825	$139
Erie	$842	$142
Nationwide	$919	$153
Travelers	$937	$158
State Farm	$1116	$188
Allstate	$1248	$210
Chubb	$1279	$213

Key Takeaways

Way's key takeaways about car insurance in South Glens Falls

The auto insurance costs in South Glens Falls fall around $397 for six months.
The cheapest auto insurance company in South Glens Falls is New York Central Mutual Fire.
Teen drivers pay the highest rate in South Glens Falls at $643 per month.

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Cheapest Minimum Liability Car Insurance in South Glens Falls

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 South Glens Falls are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in South Glens Falls. Their Average 6 Month Premium is $188. Preferred Mutual is the most expensive at $496 for the same period.

Cheapest Liability Coverage in South Glens Falls, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$188	$32
NYCM	$222	$37
Kemper	$231	$40
American Family	$278	$47
Progressive	$287	$48
USAA	$368	$62
Erie	$454	$77
Travelers	$487	$81
Allstate	$522	$89
State Farm	$556	$93
Nationwide	$359	$60
Utica National	$410	$70
Preferred Mutual	$496	$83

Cheapest Full Coverage Car Insurance in South Glens Falls

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 South Glens Falls is Kemper at $68 per month and $397 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Glens Falls, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$397	$68
New York Central Mutual Fire	$526	$88
Progressive	$560	$94
American Family	$616	$104
NYCM	$744	$125
USAA	$825	$139
Erie	$842	$142
Nationwide	$919	$153
Travelers	$937	$158
State Farm	$1116	$188
Allstate	$1248	$210
Chubb	$1279	$213

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Average Car Insurance in South Glens Falls 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 South Glens Falls, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in South Glens Falls, 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, South Glens Falls's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in South Glens Falls

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

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Cheapest Car Insurance Rates for Teen Drivers in South Glens Falls,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the South Glens Falls at $46 per month. At $3819 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$269	$46
American Family	$325	$55
NYCM	$719	$121
Progressive	$886	$149
New York Central Mutual Fire	$937	$159
Erie	$1801	$300
USAA	$1980	$333
Travelers	$2604	$438
Nationwide	$2712	$461
Chubb	$2840	$473
Allstate	$3267	$550
State Farm	$3819	$643

Teen Car Insurance Rates in NY by Age

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 South Glens Falls, Kemper is the cheapest car insurance provider. At $603 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 South Glens Falls is Progressive, offering rates of around $3614 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$603	$101
Nationwide	$919	$156
Chubb	$1091	$184
USAA	$1326	$225
Erie	$1411	$238
American Family	$1433	$243
NYCM	$1604	$267
Allstate	$1749	$294
Mercury	$1783	$297
State Farm	$1843	$310
Travelers	$2134	$359
Progressive	$3614	$608

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Car Insurance Rates with An Accident in South Glens Falls

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 South Glens Falls, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in South Glens Falls

The cheapest car insurance companies after an at-fault accident in South Glens Falls include Kemper and American Family, offering $333 and $342, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $415.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$333	$55
American Family	$342	$58
Progressive	$526	$89
NYCM	$535	$90
New York Central Mutual Fire	$633	$106
USAA	$719	$121
Erie	$919	$155
Chubb	$1043	$176
Allstate	$1125	$189
Travelers	$1159	$195
Nationwide	$1215	$202
State Farm	$1420	$239
Utica National	$410	$70
Preferred Mutual	$415	$69

South Glens Falls Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Glens Falls NY. For example, the car insurance in South Glens Falls after a DUI increases to $514 for a six month policy. While the rate increases by $82 for a six-month policy in the case of a speeding ticket.

South Glens Falls auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$902	$150
One Med/PIP claim	$902	$153
One comp claim	$911	$152
Two comp claims	$919	$156
Two Med/PIP claims	$919	$153
Not-at-fault accident	$924	$157
Failure to show documents	$937	$156
Failure to wear a seat belt	$941	$160
Driving with expired registration	$950	$158
At-fault accident - less than $1000	$954	$162
Cell phone violation	$954	$159
Child safety restraint	$954	$162
Driving without lights	$954	$159
Failure to stop at a red light	$954	$162
Failure to yield	$954	$159
Following too closely	$954	$162
Illegal turn	$954	$159
Improper passing	$954	$162
Passing school bus	$954	$159
Texting while driving	$954	$162
Wrong way/wrong lane	$954	$159
Driving too slowly	$963	$163
Speeding in school zone	$963	$161
At-fault accident - $1000-$2000	$966	$164
Speeding 11 - 15 MPH over limit	$984	$164
Speeding 6 - 10 MPH over limit	$984	$167
Operating a vehicle without permission	$1001	$167
Open container	$1014	$172
In 65 MPH zone	$1056	$176
Speeding 16 - 20 MPH over limit	$1069	$182
Speeding 21 - 25 MPH over limit	$1107	$184
At-fault accident - greater than $2000	$1193	$203
Reckless driving	$1274	$212
Racing	$1326	$225
Driving with a suspended license	$1373	$229
Refusal to submit to a chemical test	$1403	$238
DUI	$1416	$236
Leaving scene of an accident/hit and run	$1437	$244

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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 South Glens Falls 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 South Glens Falls.

The cheapest car insurance premiums in South Glens Falls are offered by American Family at $325 for a six-month policy. However, it can be as expensive as $1604 with companies like Chubb.

South Glens Falls car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$325	$55
Kemper	$342	$58
Progressive	$441	$74
NYCM	$667	$112
New York Central Mutual Fire	$770	$128
USAA	$877	$148
Travelers	$1146	$193
Allstate	$1356	$228
Erie	$1398	$233
Nationwide	$1518	$258
State Farm	$1596	$269
Chubb	$1604	$273

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 South Glens Falls are offered by American Family at $287. However, it can be as expensive as $1826 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in South Glens Falls after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$287	$48
Kemper	$287	$49
Progressive	$415	$70
NYCM	$672	$114
USAA	$778	$130
Erie	$911	$155
Nationwide	$919	$153
Travelers	$1061	$180
State Farm	$1283	$214
Chubb	$1518	$258
Allstate	$1826	$305

Car Insurance Price Trends in South Glens Falls, New York

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

The average cost of full coverage in the South Glens Falls rose by $198 in January compared to $178 of December. In other words, there has been an increase by $20 when you compare January and December.

The average cost of liability insurance in the South Glens Falls dipped to $58 in January, compared to $61 in December. This represents an decrease of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in South Glens Falls?

The car insurance in South Glens Falls is $32 per month, which is lower than the national average.

What is the cheapest car insurance in South Glens Falls?

The cheapest car insurance in South Glens Falls is $68 per month for full coverage.

How much is car insurance in South Glens Falls for teenagers?

Car insurance for teenagers costs $269 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 South Glens Falls?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $140 per month to insure your car in South Glens Falls.

Is car insurance expensive in South Glens Falls?

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

Cheapest Car Insurance Quotes in South Glens Falls

Why you can trust Way?

How Much Is Car Insurance in South Glens Falls

Avg. Car Insurance in South Glens Falls

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in South Glens Falls

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

South Glens Falls Car Insurance Rates by Company

Cheap Car Insurance Companies in South Glens Falls, NY

Way's key takeaways about car insurance in South Glens Falls

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in South Glens Falls

Cheapest Liability Coverage in South Glens Falls, NY

Cheapest Full Coverage Car Insurance in South Glens Falls

Cheapest Full Coverage Car Insurance Quotes in South Glens Falls, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in South Glens Falls by Rating Factor

I have a clean driving record. Why is my car insurance rate here in South Glens Falls, NY increasing?

Car Insurance Premiums by Age in South Glens Falls

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in South Glens Falls,NY

If you are in your twenties N/A is the best choice for car insurance in South Glens Falls.

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 South Glens Falls

Cheapest Car Insurance Companies after an At-Fault Accident in South Glens Falls

South Glens Falls Car Insurance Rates by Violation

South Glens Falls auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in South Glens Falls after a DUI

South Glens Falls car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in South Glens Falls after Speeding ticket

Car Insurance Price Trends in South Glens Falls, New York

Average Car Insurance Cost in South Glens Falls by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near South Glens Falls, NY

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

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