Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Adams, NY
We monitor insurance prices, helping the average driver in Adams save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Adams
The chart below shows the cheapest car insurance company in Adams for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Kemper, followed by Plymouth Rock Assurance, Safeco Insurance, and Geico.
| Adams Insurer | Monthly Cost |
|---|---|
| Kemper | $75 |
| Plymouth Rock Assurance | $100 |
| Safeco Insurance | $107 |
| Geico | $112 |
Savings for Every Kind of Adams Driver
Based on our extensive insurance data, we know the average Adams driver will save about 30% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $606 per year by choosing the right vehicle insurance company. Some Adams residents are paying out over $2,032 extra every year for auto insurance in Adams. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Adams, NY Savings / Yr. |
|---|---|
$606 |
|
$386 |
|
$772 |
|
$781 |
|
$1,913 |
|
$640 |
|
$1,020 |
Adams Car Insurance vs. New York
People living in Adams pay an average of 16.21% less than the typical driver in the state. The average driver in Adams can expect to pay about $1,474 per year, or $2,032 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Adams for most people.
Car Insurance Prices by Adams Neighborhood
Insurance Prices
Where is insurance cheapest within Adams?
The map shows insurance prices in and around Adams, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $104 per year within the city boundaries, with insurance premiums ranging from a high of $2,118 to a low of $2,014. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northeast parts of Adams.Pick the Best Car Insurance Company for You in Adams
The best car insurance provider for most drivers in Adams
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $606 over the average Adams car insurance company.
The best car insurance provider for Adams drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $386 over the competition.
The best car insurance company for Adams drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $772 better than other car insurance companies.
The best auto insurance for Adams drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $781 less each year.
The least expensive car insurance company for new and young drivers in Adams
In Adams, Progressive costs young drivers $1,913 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Adams
Progressive gave the largest car insurance discounts to married couples, averaging $640 saved each year compared to an average Adams couple's premiums.
The cheapest car insurance in Adams for drivers with bad credit
The best Adams car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Adams, which was better than other insurers.
The cheapest large national provider in Adams
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Adams driver can expect to pay about $183 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Adams, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, drivers with a DUI conviction, drivers with accidents, good drivers, married couples, and young drivers.Auto Insurance Prices in and Around Adams
What Influences the Cost of Car Insurance in Adams?
On average, car insurance in Adams is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Adams is 27 minutes, which is a little less than average for a driver in the state.
- New York state insurance regulations may require higher prices.
- An average of 8 to 9 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Adams are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Adams is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Adams is $123 per month for minimum coverage and $169 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Thomas Settlement: Insurance costs 1.18% more
- Allendale: Insurance costs 0.98% more
- Taylor Settlement: Insurance costs 2.07% more
- Adams Center: Insurance costs 0.25% more
- Belleville: Insurance costs 3.30% more
- Smithville: Insurance costs 1.38% more
- Pierrepont Manor: Insurance costs 0.64% more
- Zoar: Insurance costs 2.85% more
- Rural Hill: Insurance costs 3.00% more
- Lorraine: Insurance costs 2.17% more
Cities with Similar Populations
- Shoshone: Insurance costs 45.32% less
- Ellerbe: Insurance costs 37.20% less
- Fair Oaks: Insurance costs 15.75% less
- Moss Beach: Insurance costs 3.94% less
- Stamford: Insurance costs 18.01% less
- East Gaffney: Insurance costs 18.85% less
- Fairport Harbor: Insurance costs 46.31% less
- Fort Ann: Insurance costs 2.95% more
- Ash Grove: Insurance costs 13.14% less
- DeKalb: Insurance costs 17.72% less