Buy Cheap Clay, NY Auto Insurance (2021)

Clay, NY auto insurance rates average $257 a month. Minimum auto insurance requirements in Clay, New York are 25/50/10 to comply with New York laws. To buy cheap auto insurance in Clay, NY, compare Clay auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Clay, NY are $257/month
  • Average auto insurance rates in Clay, NY for teens drivers are $5,395/year
  • The most expensive auto insurance company in Clay is Liberty Mutual

Finding affordable Clay, New York auto insurance can be challenging, but everything you need to know to buy cheap Clay, NY auto insurance with confidence is right here. Auto insurance rates in Clay are affected by local factors as well as personal ones like your driving record.

See how Clay, NY car insurance rates compare to Schenectady auto insurance rates, New York auto insurance rates, and Syracuse auto insurance rates before you read more about the cost of auto insurance in Clay.

Don’t buy Clay, NY auto insurance until you’ve compared rates. Get free Clay, New York auto insurance quotes when you enter your ZIP code above.

Clay, NY Minimum Auto Insurance Requirements

The required auto insurance in Clay, NY is 25/50/10 according to the auto insurance laws in New York. The minimum auto insurance in Clay, New York is outlined here.

Minimum Required Auto 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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Find Cheap Clay, NY Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Clay, NY. Take a look at Clay, New York auto insurance rates by credit history.

Annual Auto 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

Buy Cheap Clay, NY Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Clay, New York auto insurance rates? Find out how car insurance rates in Clay, NY are impacted by demographics.

Annual Auto 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

Buy Cheap Clay, NY Auto Insurance for Teen Drivers

Auto insurance for teenagers in Clay can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Clay, NY are listed here.

Annual Auto 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

Buy Cheap Clay, NY Auto Insurance for Seniors

You can save on senior auto insurance rates in Clay, New York by comparing Clay senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Clay, NY here.

Annual Auto 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

Find Cheap Auto Insurance Rates in Clay, NY by Coverage Level

The amount of coverage you choose is a big factor in the cost of Clay, New York auto insurance. Compare Clay, NY auto insurance rates by coverage level.

Annual Auto 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

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Find Cheap Clay, NY Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Clay. Compare auto insurance rates in Clay, NY by commute length to see how your daily commute impacts your rates.

Annual Auto 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

Find Cheap Clay, NY Auto Insurance Rates by Driving Record

Auto insurance rates in Clay, New York are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Clay, NY, take a look at the average cost for various violations versus rates for a clean driving record in Clay.

Annual Clay, New York Auto 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

Find Cheap Clay, NY Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Clay, New York is higher than for a clean driving record. You can buy auto insurance after a DUI in Clay for less when you shop around and compare rates from multiple Clay, NY auto insurance companies.

Annual Auto Insurance Rates After a DUI in Clay, New York

Insurance Company Annual Auto 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

Winners by Category: Where to Buy Cheap Auto Insurance in Clay, NY

Compare rates from the cheapest auto insurance companies in Clay, NY for your needs. Take a look at how Clay, New York auto insurance companies stack up for each category.

Best Annual Auto 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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Find Cheap Clay, New York Auto Insurance Companies

If you’re looking for the cheapest Clay, NY auto insurance companies overall, you can compare them here. Find the best price for Clay, New York car insurance by company.

Average Annual Auto 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 affects Clay, New York auto insurance rates?

Local factors affect auto insurance rates in Clay, NY, including traffic, theft statistics, and commute length. Take a look at the things that impact Clay auto insurance rates.

Commute Times in Clay

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Clay, NY is 22.1 minutes according to City-Data.

Compare Auto Insurance Quotes in Clay, NY

You can buy cheap Clay, NY auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Clay, New York auto insurance quotes from top companies.

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