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Schenectady Car Insurance Resources

Schenectady, NY Car Insurance

Cars Insured in Schenectady

^ There are an estimated 31,939 vehicles currently insured in Schenectady. [1]

Car Insurance Rates in Schenectady

^ From 2006 to 2010, New York cities had the 4th highest auto insurance rates in the nation. [2]

Uninsured Motorists in Schenectady

^ There are an estimated 2,066 uninsured motorists driving in Schenectady. [3]

NY Car Insurance

Schenectady Car Insurance

Car Insurance Liability Requirements in Schenectady

  • Minimum Liability Limits in Schenectady: 25/50/10 [4]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 10  Required coverage up to $10,000 for property damage in an accident
    • Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.
    • Note: In addition, policyholders must have $50,000/$100,000 for wrongful death coverage.

Required Car Insurance Coverage in Schenectady

Required Car Insurance Coverage in Schenectady
  • Schenectady Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Personal injury protection coverage

Car Insurance Verification Laws in Schenectady

  • Insurer Verification of Auto Insurance in Schenectady [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Schenectady Car Insurance Facts, Estimates & Related Laws

Schenectady Car Insurance Stats

Schenectady Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Schenectady
    • Based on historical and current data, 31,939 cars are currently insured in Schenectady. [5]
    • New York cities collectively ranked 4th in the nation in auto insurance policies in 2011 with a total of 9,358,429. [1]
  • Uninsured Motorist Rate in Schenectady
    • Based on historical and current data, Schenectady has an estimated 2,066 uninsured drivers. [6]
    • New York cities collectively had the 49th highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Schenectady
    • New York cities collectively had the 4th highest auto insurance rates in the nation in 2010. [2]

Schenectady Distracted Driving Laws


  • Hand-held phone ban? Yes
    • hand-held phone ban in place for all drivers. [7]
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? No
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.

Schenectady Automotive Laws

  • Minimum Driving Age in Schenectady [9]
    • Schenectady, NY minimum driving age: 16 years.
  • Driver's License Renewal Cycle in Schenectady
    • Renewal cycle: 8 years [7]
  • Motorcycle Helmet Laws in Schenectady
    • Motorcycle helmets required for all riders. [7]
  • Safety Belt Laws in Schenectady
    • Safety belt laws have been in place since 1984 and apply to drivers/passengers 16+ years in front seat. [7]
    • Child restraint law in place for 3 and younger unless more than 40 pounds and are seated where there is no available lap/shoulder belt; 4 - 7 years unless they are seated where there is no available lap/shoulder belt. [7]

New York Car & Driver Facts

New York Auto Registrations

New York Car & Driver Facts
  • Auto Registrations in NY [8]
    • Registered Cars: 5,866,664
    • Registered Trucks: 4,169,695
    • Registered Motorcycles: 345,855
    • Total Registrations: 10,430,559
    • Rank: New York ranked 5th in the United States in total auto registrations in 2011.

New York Automotive Facts

  • Speed Limits in NY
    • Rural interstates: 65 mph [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 55 mph [7]
  • New York Motor Fuel Consumption
    • New York cities collectively ranked 4th in the nation in total motor fuel consumption in 2011. [10]

New York Licensed Drivers

  • Licensed Drivers in NY [11]
    • Female Drivers: 5,438,554
    • Male Drivers: 5,772,229
    • Total Drivers: 11,210,783
    • Rank: 4th highest in the U.S.

Additional information about Schenectady, NY

About Schenectady

Schenectady (New York) is a city with a population of 66,135 [12] that is located in Schenectady County.

NY Car Insurance

More about Schenectady auto insurance

For more information about Schenectady car insurance, or for additional resources regarding New York car insurance overall, visit the New York Department of Insurance.

Did you know?

Some motorcyclists are currently required by law to wear a helmet in 47 states and the District of Columbia.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)

Additional Cities in NY