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Get Cheap Car Insurance in Alfred, NY
We monitor insurance prices, helping the average driver in Alfred save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Alfred
The chart below shows the cheapest car insurance company in Alfred 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.
| Alfred Insurer | Monthly Cost |
|---|---|
| Kemper | $76 |
| Plymouth Rock Assurance | $101 |
| Safeco Insurance | $109 |
| Geico | $113 |
Savings for Every Kind of Alfred Driver
Based on our extensive insurance data, we know the average Alfred 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 $616 per year by choosing the right vehicle insurance company. Some Alfred residents are paying out over $2,066 extra every year for auto insurance in Alfred. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Alfred, NY Savings / Yr. |
|---|---|
$616 |
|
$393 |
|
$785 |
|
$794 |
|
$1,945 |
|
$651 |
|
$1,037 |
Alfred Car Insurance vs. New York
People living in Alfred pay an average of 14.81% less than the typical driver in the state. The average driver in Alfred can expect to pay about $1,498 per year, or $2,066 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Alfred for most people.
Car Insurance Prices by Alfred Neighborhood
Insurance Prices
Where is insurance cheapest within Alfred?
The map shows insurance prices in and around Alfred, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $150 per year within the city boundaries, with insurance premiums ranging from a high of $2,154 to a low of $2,004. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the North parts of Alfred.Pick the Best Car Insurance Company for You in Alfred
The best car insurance provider for most drivers in Alfred
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $616 over the average Alfred car insurance company.
The best car insurance provider for Alfred 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 $393 over the competition.
The best car insurance company for Alfred drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $785 better than other car insurance companies.
The best auto insurance for Alfred drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $794 less each year.
The least expensive car insurance company for new and young drivers in Alfred
In Alfred, Progressive costs young drivers $1,945 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Alfred
Progressive gave the largest car insurance discounts to married couples, averaging $651 saved each year compared to an average Alfred couple's premiums.
The cheapest car insurance in Alfred for drivers with bad credit
The best Alfred car insurance company for customer service
Recent price drops
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The cheapest large national provider in Alfred
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Alfred 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 Alfred, 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 Alfred
What Influences the Cost of Car Insurance in Alfred?
On average, car insurance in Alfred 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 Alfred is 16 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 Alfred are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
- Alfred is a lightly populated area in the state. The city’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 Alfred is $125 per month for minimum coverage and $172 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
- Alfred Station: Insurance costs 1.06% less
- Almond: Insurance costs 2.32% less
- Fulmer Valley: Insurance costs 2.03% less
- Phillips Creek: Insurance costs 1.21% less
- West Almond: Insurance costs 2.57% less
- Andover: Insurance costs 1.02% less
- South Hornell: Insurance costs 2.52% less
- Bishopville: Insurance costs 2.18% less
- West Greenwood: Insurance costs 0.44% more
- Hornell: Insurance costs 1.36% more
Cities with Similar Populations
- Presidio: Insurance costs 14.13% less
- Rio Hondo: Insurance costs 16.51% less
- Dewey: Insurance costs 18.05% less
- Ringgold: Insurance costs 42.40% less
- Ridgeway: Insurance costs 19.07% less
- Diana: Insurance costs 19.46% less
- Hokes Bluff: Insurance costs 27.73% less
- Reedsville: Insurance costs 38.19% less
- Highlands: Insurance costs 11.13% less
- Hebron: Insurance costs 14.67% less