Compare Silver Bay, NY Car Insurance Rates (2021)

Car insurance in Silver Bay, NY averages $257 a month. Silver Bay, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Silver Bay car insurance rates, compare quotes from the top car insurance companies in Silver Bay, 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 Silver Bay, NY after a DUI are $4,074/year
  • Average car insurance rates in Silver Bay, NY are $3,087/year
  • The cheapest car insurance company in Silver Bay for teen drivers is GEICO

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

You’ll find Silver Bay car insurance rates, the cheapest Silver Bay, NY car insurance companies, and information on New York car insurance laws. You can also compare Silver Bay, New York car insurance rates to Buffalo car insurance rates, Utica car insurance rates, and Mount Vernon car insurance rates.

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

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

How do age, gender, and marital status affect Silver Bay, NY car insurance rates? Every Silver Bay, 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 Silver Bay, 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 $2,271 $2,151 $2,127 $2,166 $6,563 $7,048 $2,275 $2,312
GEICO $1,304 $1,256 $1,268 $1,250 $2,710 $3,943 $1,177 $1,209
Liberty Mutual $3,372 $3,372 $3,142 $3,142 $6,550 $10,619 $3,372 $3,582
Nationwide $2,023 $2,023 $1,912 $1,912 $3,577 $5,309 $2,023 $2,570
Progressive $1,629 $1,527 $1,308 $1,329 $5,584 $6,233 $2,116 $2,075
State Farm $1,927 $1,927 $1,680 $1,680 $5,668 $7,306 $2,118 $2,241
Travelers $2,594 $2,601 $2,370 $2,529 $6,040 $7,142 $2,745 $2,850
USAA $1,491 $1,463 $1,346 $1,345 $6,012 $7,189 $1,899 $2,090

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Minimum Car Insurance in Silver Bay, NY

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

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

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

Annual Car Insurance Rates by Credit Score in Silver Bay, New York

Insurance Company Poor Fair Good
Allstate $4,800 $2,833 $2,459
GEICO $2,211 $1,625 $1,458
Liberty Mutual $6,486 $4,253 $3,193
Nationwide $2,669 $2,669 $2,669
Progressive $4,293 $2,238 $1,645
State Farm $4,331 $2,717 $2,157
Travelers $4,977 $3,133 $2,716
USAA $4,423 $2,195 $1,945

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

Annual Silver Bay, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,856 $2,856 $4,153 $3,592
GEICO $1,395 $1,520 $2,749 $1,395
Liberty Mutual $3,723 $3,723 $7,405 $3,723
Nationwide $2,050 $2,050 $4,481 $2,095
Progressive $2,651 $2,651 $2,933 $2,666
State Farm $2,923 $2,923 $3,214 $3,214
Travelers $3,078 $3,856 $3,914 $3,587
USAA $2,530 $2,572 $3,744 $2,572

Cheapest Silver Bay, NY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Silver Bay, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,563 $7,048
GEICO $2,710 $3,943
Liberty Mutual $6,550 $10,619
Nationwide $3,577 $5,309
Progressive $5,584 $6,233
State Farm $5,668 $7,306
Travelers $6,040 $7,142
USAA $6,012 $7,189

Cheapest Silver Bay, NY Car Insurance for Seniors

Take a look at Silver Bay, 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 Silver Bay, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,127 $2,166
GEICO $1,268 $1,250
Liberty Mutual $3,142 $3,142
Nationwide $1,912 $1,912
Progressive $1,308 $1,329
State Farm $1,680 $1,680
Travelers $2,370 $2,529
USAA $1,346 $1,345

Cheapest Silver Bay, NY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Silver Bay, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,153
GEICO $2,749
Liberty Mutual $7,405
Nationwide $4,481
Progressive $2,933
State Farm $3,214
Travelers $3,914
USAA $3,744

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Cheapest Silver Bay, NY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Silver Bay, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,319 $3,409
GEICO $1,713 $1,816
Liberty Mutual $4,514 $4,774
Nationwide $2,669 $2,669
Progressive $2,725 $2,725
State Farm $2,961 $3,176
Travelers $3,609 $3,609
USAA $2,826 $2,883

The Best Cheap Car Insurance Companies in Silver Bay, NY

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

Average Annual Car Insurance Rates by Company in Silver Bay, New York

Insurance Company Average Annual Rates
Allstate $3,364
GEICO $1,765
Liberty Mutual $4,644
Nationwide $2,669
Progressive $2,725
State Farm $3,068
Travelers $3,609
USAA $2,854

Category Winners: Cheapest Car Insurance in Silver Bay, New York

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

Best Annual Car Insurance Rates by Company in Silver Bay, 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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Cheapest Silver Bay, NY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Silver Bay, New York

Insurance Company Low Medium High
Allstate $3,197 $3,354 $3,542
GEICO $1,673 $1,759 $1,863
Liberty Mutual $4,456 $4,628 $4,848
Nationwide $2,515 $2,649 $2,843
Progressive $2,596 $2,712 $2,867
State Farm $2,917 $3,085 $3,203
Travelers $3,436 $3,575 $3,815
USAA $2,786 $2,844 $2,933

Compare Car Insurance Quotes in Silver Bay, NY

Ready to find affordable Silver Bay, New York car insurance today? Enter your ZIP code for fast, free Silver Bay, 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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