Cheap Quotes for Clay, NY Car Insurance (2021)

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.

Compare Cheap Car Insurance Quotes

secured lock Secured with SHA-256 Encryption

Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

Full Bio →

Written by

Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

Full Bio →

Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

Advertiser Disclosure

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.

Things to Know

  • 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

Compare quotes from the top car insurance companies and save

secured lock Secured with SHA-256 Encryption

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

Compare quotes from the top car insurance companies and save

secured lock Secured with SHA-256 Encryption

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

Compare quotes from the top car insurance companies and save

secured lock Secured with SHA-256 Encryption

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

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.

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 Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

secured lock Secured with SHA-256 Encryption