Why Are Auto Insurance Rates Going Up in Upstate New York?

(And what you can do to lower them)

If you’ve opened your car insurance renewal and felt that “Wait… what?” moment—you’re not alone. Auto insurance rates across New York have jumped, and even Upstate drivers (who’ve typically enjoyed lower rates) are feeling the impact.

At VOOMA Insurance, we’re seeing it too—and we’re here to explain why it’s happening, what you can expect, and most importantly, how we can help you keep costs down without sacrificing protection.

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What’s Going On With Auto Insurance Rates?

Across the country, car insurance premiums are on the rise. In 2024, drivers saw increases of 15–20%, and experts are predicting even more hikes into 2025.

In New York:

• The statewide average increase was around 14–15% in 2024.
• In Upstate NY, increases have been slightly lower—around 12–15%, depending on your ZIP code and driving history.

That means if your premium went up this year, you’re not alone—and you’re not necessarily being singled out.

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Why Are Rates Increasing?

A few key reasons:

1. Repairs Cost More

Cars are more advanced than ever, but that means repairs are more expensive. Even something like replacing a bumper or mirror can involve sensors, cameras, and parts that cost 2–3x what they did just a few years ago.

2. More Accidents = More Claims

More people are back on the road post-COVID, and accident rates have climbed. With higher speeds and distracted driving, claim severity is up.

3. Medical Costs

New York is a no-fault state, which means your insurance pays for medical bills regardless of who caused the accident. Medical costs have skyrocketed—and those costs hit every policyholder.

4. Weather & Theft

Even in Upstate NY, we’re seeing more weather-related claims—hail, flooding, and snow damage. Auto theft and catalytic converter thefts are also on the rise, especially in urban areas.

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What’s “Normal” in Upstate New York?

Here’s a quick look at average full-coverage auto premiums in 2024:

City/Region	Avg Annual Premium
Albany	~$1,612
Schenectady	~$1,625
Syracuse	~$1,571
Rochester	~$1,505
NYC Metro	$3,600+

So if you’re in the Capital Region or surrounding areas and your full-coverage premium is in the $1,500–$1,700 range—you’re right in line.

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What Can You Do to Lower Your Premium?

At VOOMA, we don’t just accept what the system gives us. Here’s how we help our clients fight back:

1. Review Discounts

You might qualify for new savings if you:

• Drive less (low mileage)
• Have a clean driving record
• Install a smart device (telematics)
• Bundle your home and auto insurance
• Have safety features like auto braking or lane assist

2. Raise Your Deductible

Going from a $500 to $1,000 deductible can lower your premium significantly. We’ll help you decide if it’s worth it.

3. Shop Around (we can do this for you!)

We represent multiple carriers, and we’ll check rates before every renewal. If there’s a better fit, we’ll find it.

4. Take a Defensive Driving Course

NY drivers can save up to 10% for 3 years with a state-approved course (and you can do it online).

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We’ve Got Your Back

We know this is frustrating—but you’re not alone, and you’re not stuck. We’re already reviewing client renewals to see who might benefit from a policy refresh, a new carrier, or extra discounts.

Have you had any life or vehicle changes lately? Let us know—it could help lower your rate:

• New car?
• Stopped commuting?
• Changed garages or address?
• Installed safety devices?

These things can make a real difference.

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Let’s Talk Before You Renew

Your renewal is a perfect time to make sure your coverage still fits your life—and your budget. We’d love to connect for a quick review and see how we can help.

Schedule a Renewal Review
Or call us at (518) 372-5615