Compare Adams, NY Car Insurance Rates (2021)

Car insurance in Adams, NY averages $243 a month. Adams, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Adams car insurance rates, compare quotes from the top car insurance companies in Adams, NY.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Adams, NY are $2,919/year
  • The cheapest car insurance company in Adams is GEICO
  • Average car insurance rates in Adams, NY after a DUI are $3,856/year

If you need to buy Adams, New York car insurance, the options can be confusing. Everything you need to know about car insurance in Adams, NY is right here.

You’ll find Adams car insurance rates, the cheapest Adams, NY car insurance companies, and information on New York car insurance laws. You can also compare Adams, New York car insurance rates to Albany car insurance rates, Utica car insurance rates, and New Rochelle car insurance rates.

Ready to find affordable Adams, NY car insurance today? Enter your ZIP code for fast, free Adams car insurance quotes.

Cheapest Adams, NY Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Adams, NY car insurance rates? Every Adams, New York car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Adams, 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 $2,390 $2,267 $2,223 $2,260 $6,737 $7,224 $2,416 $2,455
GEICO $1,407 $1,356 $1,370 $1,350 $2,965 $4,347 $1,268 $1,306
Liberty Mutual $3,214 $3,214 $2,995 $2,995 $6,229 $10,094 $3,214 $3,413
Nationwide $1,948 $1,948 $1,842 $1,842 $3,400 $5,040 $1,948 $2,467
Progressive $1,469 $1,382 $1,186 $1,204 $4,958 $5,534 $1,901 $1,863
State Farm $1,905 $1,905 $1,658 $1,658 $5,578 $7,223 $2,090 $2,225
Travelers $2,390 $2,411 $2,183 $2,339 $5,531 $6,579 $2,533 $2,639
USAA $1,142 $1,120 $1,040 $1,037 $4,548 $5,410 $1,444 $1,585

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Minimum Car Insurance in Adams, NY

Every driver must carry the minimum car insurance in Adams, NY. Take a look at the New York car insurance requirements.

Minimum Required Car Insurance Coverage in Adams, 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

Cheapest Adams, NY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Adams, NY. Compare credit history car insurance rates in Adams from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Adams, New York

Insurance Company Poor Fair Good
Allstate $4,978 $2,946 $2,566
GEICO $2,407 $1,769 $1,587
Liberty Mutual $6,171 $4,049 $3,042
Nationwide $2,555 $2,555 $2,555
Progressive $3,833 $2,004 $1,475
State Farm $4,278 $2,683 $2,130
Travelers $4,580 $2,888 $2,509
USAA $3,314 $1,686 $1,497

Cheapest Adams, NY Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Adams, NY to rates for a clean record with top companies.

Annual Adams, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,988 $2,988 $4,286 $3,724
GEICO $1,509 $1,644 $3,023 $1,509
Liberty Mutual $3,548 $3,548 $7,041 $3,548
Nationwide $1,964 $1,964 $4,282 $2,008
Progressive $2,372 $2,372 $2,620 $2,385
State Farm $2,890 $2,890 $3,171 $3,171
Travelers $2,849 $3,548 $3,599 $3,307
USAA $1,923 $1,954 $2,831 $1,954

Cheapest Adams, NY Car Insurance for Teen Drivers

Teen car insurance in Adams, NY can be expensive. Take a look at rates from the top car insurance companies in Adams for teenagers.

Annual Car Insurance Rates for Teen Drivers in Adams, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,737 $7,224
GEICO $2,965 $4,347
Liberty Mutual $6,229 $10,094
Nationwide $3,400 $5,040
Progressive $4,958 $5,534
State Farm $5,578 $7,223
Travelers $5,531 $6,579
USAA $4,548 $5,410

Cheapest Adams, NY Car Insurance for Seniors

Take a look at Adams, NY senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Adams, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,223 $2,260
GEICO $1,370 $1,350
Liberty Mutual $2,995 $2,995
Nationwide $1,842 $1,842
Progressive $1,186 $1,204
State Farm $1,658 $1,658
Travelers $2,183 $2,339
USAA $1,040 $1,037

Cheapest Adams, NY Car Insurance Rates After a DUI

A DUI in Adams, NY increases car insurance rates. Compare Adams, New York DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Adams, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,286
GEICO $3,023
Liberty Mutual $7,041
Nationwide $4,282
Progressive $2,620
State Farm $3,171
Travelers $3,599
USAA $2,831

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Cheapest Adams, NY Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Adams, NY by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Adams, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,450 $3,543
GEICO $1,864 $1,978
Liberty Mutual $4,298 $4,544
Nationwide $2,555 $2,555
Progressive $2,437 $2,437
State Farm $2,926 $3,134
Travelers $3,326 $3,326
USAA $2,144 $2,187

The Best Cheap Car Insurance Companies in Adams, NY

Take a look at a side-by-side comparison of the top car insurance companies in Adams, NY to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Adams, New York

Insurance Company Average Annual Rates
Allstate $3,497
GEICO $1,921
Liberty Mutual $4,421
Nationwide $2,555
Progressive $2,437
State Farm $3,030
Travelers $3,326
USAA $2,166

Category Winners: Cheapest Car Insurance in Adams, New York

Find the cheapest car insurance companies in Adams, NY for each category right here.

Best Annual Car Insurance Rates by Company in Adams, New York

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Progressive
With 1 Speeding Violation GEICO

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Cheapest Adams, NY Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Adams car insurance rates. Find the cheapest Adams, NY car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Adams, New York

Insurance Company Low Medium High
Allstate $3,329 $3,487 $3,674
GEICO $1,819 $1,914 $2,030
Liberty Mutual $4,235 $4,406 $4,622
Nationwide $2,410 $2,534 $2,720
Progressive $2,319 $2,425 $2,567
State Farm $2,880 $3,047 $3,164
Travelers $3,152 $3,291 $3,534
USAA $2,107 $2,156 $2,234

What affects car insurance rates in Adams, New York?

What factors can have an impact on Adams, NY car insurance? There are several reasons why Adams car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Adams, New York.

Commute Time in Adams

The more time you spend in your car the higher the risk of an accident. The average commute length in Adams, NY is 14.1 minutes according to City-Data.

Compare Car Insurance Quotes in Adams, NY

Ready to find affordable Adams, New York car insurance today? Enter your ZIP code for fast, free Adams, NY car insurance quotes.

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