Watertown Auto Insurance Rates, Quotes, Agents & Reviews in NY

Watertown, NY Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Watertown, NY, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Watertown, NY are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Watertown, NY Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Watertown, NY with that of other cities in and around Watertown.

Watertown Dexter Black River Rutland Glen Park Calcium
Average Insurance Rates $1,012 $1,652 $1,687 $1,673 $1,655 $1,675

Watertown, NY Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Watertown, NY based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Watertown $2,051 $1,732
Glen Park $2,167 $1,830
Pamelia Center $2,145 $1,812
Pamelia $946 $799
Black River $1,139 $962
Calcium $2,872 $2,426
Rutland $1,371 $1,158
Dexter $1,598 $1,349

Watertown, NY Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Watertown, NY usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,284
20 Years $1,300
30 Years $1,002
40 Years $964
50 Years $892
60 Years $905
70 Years $1,053

Watertown, NY Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Watertown, NY can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,741 $283
3 Vehicles $2,611 $425
4 Vehicles $3,481 $567

Savings on 2 Vehicles bundle:$283

Savings on 3 Vehicles bundle:$425

Savings on 4 Vehicles bundle:$567


Watertown, NY Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Watertown, NY.

Location Average Insurance Cost Post DUI Insurance Rate
Watertown $1,693 $2,554
Glen Park $1,655 $2,497
Pamelia Center $1,711 $2,581
Pamelia $1,683 $2,539
Black River $1,687 $2,545
Calcium $1,675 $2,527
Rutland $1,673 $2,524
Dexter $1,652 $2,492

Watertown, NY Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $868
Excellent (740-799) $991
Good (670-739) $1,055
Average (580-669) $1,376
Poor (300-579) $1,651

Watertown, NY Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$45 $1,057
Driver's Failure In Showing Documents +$98 $1,110
Driving With An Expired Registration +$104 $1,116
Driving At A Considerably Slow Pace +$220 $1,232
Using A Cellphone While Driving +$232 $1,244
Running A Red Light +$236 $1,248
Speeding +$248 $1,260
Driving A Vehicle Without The Required Permission +$315 $1,327
Driving With An Expired/Suspended License +$682 $1,694

Watertown, NY Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $972
Active Disabling Device $972
Tracking Device $951
Passive Disabling Device $941

Latest Auto Insurance Reviews in Watertown, NY | Back to Top

Liberty Mutual
3 - their policy offerings are nearly idential to other insurance companies in this state. they do offer a discount if you are willing to have a device in your car for 3 months so they can monitor your driving. they offer a multi policy discount but that is not unusual.
New Jersey Manufacturers Insurance Company
When I did the comparison when shopping for auto insurance the provider I am using was not the cheapest company but I get to have a single point of contact when filing a claim.