Cheap Auto Insurance Quotes in Clay, NY (2021)

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Car Insurance in Clay, NY

The average cost of New York car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Clay, NY to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$54
$58
$73
$170
GEICOProgressiveState FarmLiberty Mutual
Monthly $

Cheapest Car Insurance in Clay, NY

Here are the cheapest carriers in Clay for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$205
$181
$204
$366
$186
$89
New YorkNew YorkBrooklynBronxStaten IslandClay
Monthly $

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Clay, NY Driving Facts

new-york

Minimum Car Insurance Requirements in NY

The state of New York requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in New York are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident

Bodily injury liability coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits New York state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

The minimum property damage liablilty insurance requirements in New York are: 

  • $10,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of New York requires $10,000 for the minimum. You’ll see the collective state minimum listed at 25/50/10. The second 10 refers to the property damage liability. Once again, any damages above the $10,000 are your responsibility.

  • $50,000 personal injury protection (PIP) per person per accident

New York is a no-fault state, so Personal Injury Protection (also called no-fault insurance) is a mandatory coverage for all drivers. New York PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The state requires $50,000 for the minimum.

What happens if a driver hits you without insurance or enough insurance to pay for your damages? The state requires uninsured motorist coverage and underinsured motorist coverage:

  • $25,000 uninsured/underinsured motorist bodily per person
  • $50,000 uninsured/underinsured motorist bodily per accident

Uninsured motorists bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.

Underinsured motorist bodily injury pays your medical expenses if you’re hit by someone who does not have high enough policy limits to cover your costs.

Insurify Insights: How Clay Drivers Measure Up

volkswagen
Volkswagen Jetta
Most Popular Car in
Clay, NY
suspended licenses
#--
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Clay drivers measure up to their fellow New York motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Most Popular Vehicle Clay

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Clay is the Volkswagen Jetta.

DUI/DWIs Clay

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Clay drivers rank -- in the number of DUI’s per driver across all cities in New York.

  • Rank within state: #--
  • Percent of drivers in Clay with a DUI: %
  • Drivers in Clay, NY with a DUI in their driving history paid on average % more than drivers with a clean record

Speeding Clay

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New York, Clay drivers rank -- in the number of speeding infractions per driver.

  • Rank within state: #--
  • Percent of drivers in Clay with a speeding ticket: %
  • Drivers in Clay, NY with a speeding ticket in their driving history paid on average % more than drivers with a clean record

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.