Cheap Quotes for Clay, NY Car Insurance (2024)
Clay, New York car insurance rates average $257 a month and New York law requires coverage of at least 25/50/10. By comparing rates from multiple Clay, NY companies, you can find cheap Clay car insurance quotes to fit your needs and budget.
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
UPDATED: Mar 22, 2024
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Mar 22, 2024
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Clay, NY are $257/month
- Average car insurance rates in Clay, NY for senior drivers are $1,891/year
- Average car insurance rates in Clay, NY after a DUI are $4,094/year
How do the Clay, New York monthly average car insurance rates of $257/month compare to nearby cities like Buffalo car insurance rates, Rochester car insurance rates, and Mount Vernon car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Clay, NY.
We’ll cover the New York minimum coverage requirements, New York car insurance laws, and Clay, NY statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Clay, New York companies to find the most affordable Clay car insurance rates.
Enter your ZIP code above to find cheap Clay, NY car insurance quotes today.
What are the minimum Clay, NY car insurance requirements?
To meet New York minimum car insurance coverage requirements, Clay, NY drivers need to carry at least 25/50/10 coverage.
Minimum Required Car Insurance Coverage in Clay, New York
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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How do age, gender, and marital status affect Clay, NY car insurance rates?
Three of the criteria that most affect car insurance rates in Clay, New York are age, gender, and marital status. Let’s take a look at how each of these stack up with top Clay car insurance companies.
Annual Car Insurance Rates by Age, Gender, and Marital Status in Clay, New York
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,417 | $2,282 | $2,278 | $2,324 | $7,301 | $7,901 | $2,385 | $2,412 |
| Geico | $1,278 | $1,233 | $1,247 | $1,229 | $2,734 | $4,044 | $1,149 | $1,185 |
| Liberty Mutual | $3,284 | $3,284 | $3,062 | $3,062 | $6,397 | $10,359 | $3,284 | $3,483 |
| Nationwide | $2,040 | $2,040 | $1,927 | $1,927 | $3,642 | $5,406 | $2,040 | $2,595 |
| Progressive | $1,577 | $1,471 | $1,259 | $1,282 | $5,440 | $6,058 | $2,045 | $1,998 |
| State Farm | $2,054 | $2,054 | $1,798 | $1,798 | $6,183 | $7,956 | $2,266 | $2,399 |
| Travelers | $2,300 | $2,316 | $2,120 | $2,268 | $5,469 | $6,525 | $2,448 | $2,549 |
| USAA | $1,468 | $1,438 | $1,341 | $1,334 | $5,994 | $7,111 | $1,867 | $2,053 |
How much do teen drivers pay for car insurance in Clay, NY?
Clay, New York car insurance rates for teens are often higher than rates for other drivers. Compare Clay car insurance rates from multiple Clay, New York car insurance companies to get the best deal.
Annual Car Insurance Rates for Teen Drivers in Clay, New York
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,301 | $7,901 |
| Geico | $2,734 | $4,044 |
| Liberty Mutual | $6,397 | $10,359 |
| Nationwide | $3,642 | $5,406 |
| Progressive | $5,440 | $6,058 |
| State Farm | $6,183 | $7,956 |
| Travelers | $5,469 | $6,525 |
| USAA | $5,994 | $7,111 |
How much do senior drivers pay for car insurance in Clay, NY?
With a little research, seniors can find affordable car insurance in Clay, New York. Here’s a look at how the top Clay car insurance companies stack up.
Annual Car Insurance Rates for Senior Drivers in Clay, New York
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,278 | $2,324 |
| Geico | $1,247 | $1,229 |
| Liberty Mutual | $3,062 | $3,062 |
| Nationwide | $1,927 | $1,927 |
| Progressive | $1,259 | $1,282 |
| State Farm | $1,798 | $1,798 |
| Travelers | $2,120 | $2,268 |
| USAA | $1,341 | $1,334 |
How does coverage level affect Clay, NY car insurance rates?
How much coverage do you need? Are you comfortable with the New York minimum of 25/50/10 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Clay, NY car insurance rates will be. Let’s take a look.
Annual Car Insurance Rates by Coverage Level in Clay, New York
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,479 | $3,651 | $3,857 |
| Geico | $1,675 | $1,762 | $1,851 |
| Liberty Mutual | $4,321 | $4,511 | $4,749 |
| Nationwide | $2,548 | $2,683 | $2,875 |
| Progressive | $2,510 | $2,628 | $2,786 |
| State Farm | $3,125 | $3,335 | $3,480 |
| Travelers | $3,098 | $3,225 | $3,425 |
| USAA | $2,741 | $2,813 | $2,922 |
How does your driving record affect Clay, NY car insurance rates?
Safe driving pays off. The more traffic violations you have in Clay, NY, the higher your car insurance rates will be. Compare rates based on driving infractions from top Clay, New York companies.
Annual Clay, New York Car Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,082 | $3,082 | $4,563 | $3,922 |
| Geico | $1,372 | $1,496 | $2,810 | $1,372 |
| Liberty Mutual | $3,612 | $3,612 | $7,273 | $3,612 |
| Nationwide | $2,075 | $2,075 | $4,536 | $2,121 |
| Progressive | $2,568 | $2,568 | $2,845 | $2,584 |
| State Farm | $3,151 | $3,151 | $3,476 | $3,476 |
| Travelers | $2,767 | $3,473 | $3,525 | $3,233 |
| USAA | $2,498 | $2,540 | $3,724 | $2,540 |
How does a DUI affect Clay, NY car insurance rates?
With even one DUI on your record, you can see an increase in your Clay, NY car insurance rates.
Annual Car Insurance Rates After a DUI in Clay, New York
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,563 |
| Geico | $2,810 |
| Liberty Mutual | $7,273 |
| Nationwide | $4,536 |
| Progressive | $2,845 |
| State Farm | $3,476 |
| Travelers | $3,525 |
| USAA | $3,724 |
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How does your credit history affect Clay, NY car insurance rates?
Take a look at the data here to see how your Clay, New York car insurance rates are affected by your credit history.
Annual Car Insurance Rates by Credit Score in Clay, New York
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,232 | $3,086 | $2,670 |
| Geico | $2,208 | $1,622 | $1,456 |
| Liberty Mutual | $6,321 | $4,146 | $3,114 |
| Nationwide | $2,702 | $2,702 | $2,702 |
| Progressive | $4,168 | $2,165 | $1,591 |
| State Farm | $4,678 | $2,934 | $2,328 |
| Travelers | $4,443 | $2,834 | $2,471 |
| USAA | $4,309 | $2,210 | $1,959 |
How does your commute affect Clay, NY car insurance rates?
Clay, NY car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for New York can be seen here. Remember, though, that you may have to carry substantially more car insurance in Clay if you’re financing.
Annual Car Insurance Rates by Commute Length in Clay, New York
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,613 | $3,712 |
| Geico | $1,710 | $1,814 |
| Liberty Mutual | $4,401 | $4,653 |
| Nationwide | $2,702 | $2,702 |
| Progressive | $2,641 | $2,641 |
| State Farm | $3,197 | $3,429 |
| Travelers | $3,249 | $3,249 |
| USAA | $2,798 | $2,854 |
Who has the cheapest Clay, NY car insurance rates?
Here’s a breakdown of Clay, New York car insurance rates by company. You can see which company offers the cheapest Clay car insurance rates in each category.
Best Annual Car Insurance Rates by Company in Clay, New York
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Geico |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Geico |
| With 1 Speeding Violation | Geico |
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What are the top Clay, NY car insurance companies?
Which Clay, New York car insurance company will best fit your needs and budget? Check out this comparison of the top Clay companies to find the one for you.
Average Annual Car Insurance Rates by Company in Clay, New York
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,662 |
| Geico | $1,762 |
| Liberty Mutual | $4,527 |
| Nationwide | $2,702 |
| Progressive | $2,641 |
| State Farm | $3,313 |
| Travelers | $3,249 |
| USAA | $2,826 |
Read more: Average Cost of Car Insurance in New York
What factors affect Clay, NY car insurance rates?
Why are Clay, New York car insurance rates different than rates in Buffalo or Rochester? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.
Read more: How much is car insurance in NY?
How long is the average commute in Clay, NY?
More time spent behind the wheel can lead to higher Clay, New York car insurance rates. In Clay, NY, the average commute length is 22.1 minutes.
Car Insurance Quotes for Clay, NY
Shop for affordable Clay, New York car insurance rates today. Enter your ZIP code to compare quotes from multiple Clay, NY car insurance companies.
Compare quotes from the top car insurance companies and save
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.