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 14616, NY
We monitor insurance prices, helping the average driver in 14616 save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in 14616
The chart below shows the cheapest car insurance company in 14616 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.
| 14616 Insurer | Monthly Cost |
|---|---|
| Kemper | $82 |
| Plymouth Rock Assurance | $109 |
| Safeco Insurance | $117 |
| Geico | $122 |
Savings for Every Kind of 14616 Driver
Based on our extensive insurance data, we know the average 14616 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 $664 per year by choosing the right vehicle insurance company. Some 14616 residents are paying out over $2,229 extra every year for auto insurance in 14616. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
14616, NY Savings / Yr. |
|---|---|
$664 |
|
$424 |
|
$846 |
|
$857 |
|
$2,098 |
|
$702 |
|
$1,118 |
14616 Car Insurance vs. New York
People living in 14616 pay an average of 8.10% less than the typical driver in the state. The average driver in 14616 can expect to pay about $1,617 per year, or $2,229 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in 14616 for most people.
Car Insurance Prices by 14616 Neighborhood
Insurance Prices
Where is insurance cheapest within 14616?
The map shows insurance prices in and around 14616, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $594 per year within the zip boundaries, with insurance premiums ranging from a high of $2,655 to a low of $2,061. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Northwest parts of 14616.Pick the Best Car Insurance Company for You in 14616
The best car insurance provider for most drivers in 14616
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $664 over the average 14616 car insurance company.
The best car insurance provider for 14616 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 $424 over the competition.
The best car insurance company for 14616 drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $846 better than other car insurance companies.
The best auto insurance for 14616 drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $857 less each year.
The least expensive car insurance company for new and young drivers in 14616
In 14616, Progressive costs young drivers $2,098 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 14616
Progressive gave the largest car insurance discounts to married couples, averaging $702 saved each year compared to an average 14616 couple's premiums.
The cheapest car insurance in 14616 for drivers with bad credit
The best 14616 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 14616, which was better than other insurers.
The cheapest large national provider in 14616
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average 14616 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 14616, 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 14616
What Influences the Cost of Car Insurance in 14616?
On average, car insurance in 14616 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 zip are influenced by the following factors:
- The average commute time in 14616 is 24 minutes, which is far less than average for a driver in the state.
- New York state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in 14616 are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- 14616 is a lightly populated area in the state. The zip’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in 14616 is $135 per month for minimum coverage and $186 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 Zip Codes
- 14612: Insurance costs 1.26% less
- 14615: Insurance costs 9.83% more
- 14617: Insurance costs 1.57% more
- 14626: Insurance costs 3.32% less
- 14613: Insurance costs 22.52% more
- 14621: Insurance costs 26.69% more
- 14606: Insurance costs 9.33% more
- 14622: Insurance costs 1.35% more
- 14605: Insurance costs 31.14% more
- 14604: Insurance costs 11.31% more
Zip Codes with Similar Populations
- 91042: Insurance costs 12.43% more
- 30260: Insurance costs 0.18% less
- 49015: Insurance costs 25.57% more
- 53593: Insurance costs 50.65% less
- 64093: Insurance costs 22.79% less
- 75048: Insurance costs 18.48% less
- 76240: Insurance costs 20.73% less
- 82901: Insurance costs 31.18% less
- 33558: Insurance costs 27.64% more
- 20602: Insurance costs 5.52% less