Compare Ruby, NY Car Insurance Rates (2021)

Car insurance in Ruby, NY averages $339 a month. Ruby, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Ruby car insurance rates, compare quotes from the top car insurance companies in Ruby, NY.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 Ruby, NY are $4,065/year
  • Average car insurance rates in Ruby, NY after a DUI are $5,381/year
  • The cheapest car insurance company in Ruby is GEICO

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

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

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

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

How do age, gender, and marital status affect Ruby, NY car insurance rates? Every Ruby, 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 Ruby, 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 $3,595 $3,345 $3,379 $3,419 $10,567 $11,266 $3,505 $3,516
GEICO $1,651 $1,589 $1,604 $1,581 $3,490 $5,114 $1,488 $1,525
Liberty Mutual $4,244 $4,244 $3,949 $3,949 $8,248 $13,407 $4,244 $4,515
Nationwide $2,712 $2,712 $2,555 $2,555 $4,892 $7,325 $2,712 $3,479
Progressive $2,026 $1,911 $1,630 $1,653 $6,546 $7,292 $2,603 $2,544
State Farm $2,808 $2,808 $2,450 $2,450 $8,307 $10,680 $3,091 $3,257
Travelers $2,879 $2,891 $2,617 $2,796 $6,593 $7,813 $3,042 $3,156
USAA $1,946 $1,912 $1,762 $1,764 $7,904 $9,418 $2,495 $2,757

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Minimum Car Insurance in Ruby, NY

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

Minimum Required Car Insurance Coverage in Ruby, 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 Ruby, NY Car Insurance Rates by Credit Score

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

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

Insurance Company Poor Fair Good
Allstate $7,716 $4,445 $3,811
GEICO $2,826 $2,076 $1,863
Liberty Mutual $8,187 $5,354 $4,009
Nationwide $3,618 $3,618 $3,618
Progressive $5,224 $2,665 $1,938
State Farm $6,331 $3,967 $3,146
Travelers $5,509 $3,437 $2,975
USAA $5,785 $2,894 $2,555

Cheapest Ruby, 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 Ruby, NY to rates for a clean record with top companies.

Annual Ruby, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,496 $4,496 $6,609 $5,694
GEICO $1,764 $1,923 $3,570 $1,764
Liberty Mutual $4,698 $4,698 $9,308 $4,698
Nationwide $2,747 $2,747 $6,165 $2,811
Progressive $3,188 $3,188 $3,520 $3,207
State Farm $4,266 $4,266 $4,697 $4,697
Travelers $3,404 $4,240 $4,299 $3,951
USAA $3,330 $3,385 $4,879 $3,385

Cheapest Ruby, NY Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,567 $11,266
GEICO $3,490 $5,114
Liberty Mutual $8,248 $13,407
Nationwide $4,892 $7,325
Progressive $6,546 $7,292
State Farm $8,307 $10,680
Travelers $6,593 $7,813
USAA $7,904 $9,418

Cheapest Ruby, NY Car Insurance for Seniors

Take a look at Ruby, 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 Ruby, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,379 $3,419
GEICO $1,604 $1,581
Liberty Mutual $3,949 $3,949
Nationwide $2,555 $2,555
Progressive $1,630 $1,653
State Farm $2,450 $2,450
Travelers $2,617 $2,796
USAA $1,762 $1,764

Cheapest Ruby, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,609
GEICO $3,570
Liberty Mutual $9,308
Nationwide $6,165
Progressive $3,520
State Farm $4,697
Travelers $4,299
USAA $4,879

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Cheapest Ruby, NY Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,249 $5,399
GEICO $2,189 $2,321
Liberty Mutual $5,686 $6,015
Nationwide $3,618 $3,618
Progressive $3,276 $3,276
State Farm $4,321 $4,641
Travelers $3,974 $3,974
USAA $3,707 $3,782

The Best Cheap Car Insurance Companies in Ruby, NY

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

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

Insurance Company Average Annual Rates
Allstate $5,324
GEICO $2,255
Liberty Mutual $5,850
Nationwide $3,618
Progressive $3,276
State Farm $4,481
Travelers $3,974
USAA $3,745

Category Winners: Cheapest Car Insurance in Ruby, New York

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

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

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

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Cheapest Ruby, NY Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,950 $5,300 $5,722
GEICO $2,136 $2,248 $2,381
Liberty Mutual $5,608 $5,832 $6,111
Nationwide $3,399 $3,587 $3,866
Progressive $3,135 $3,260 $3,431
State Farm $4,254 $4,508 $4,682
Travelers $3,756 $3,929 $4,236
USAA $3,630 $3,725 $3,879

Compare Car Insurance Quotes in Ruby, NY

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

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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