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Get Cheap Car Insurance in Ames, NY
We monitor insurance prices, helping the average driver in Ames save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Ames
The chart below shows the cheapest car insurance company in Ames 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.
| Ames Insurer | Monthly Cost |
|---|---|
| Kemper | $77 |
| Plymouth Rock Assurance | $103 |
| Safeco Insurance | $111 |
| Geico | $116 |
Savings for Every Kind of Ames Driver
Based on our extensive insurance data, we know the average Ames 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 $627 per year by choosing the right vehicle insurance company. Some Ames residents are paying out over $2,104 extra every year for auto insurance in Ames. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Ames, NY Savings / Yr. |
|---|---|
$627 |
|
$400 |
|
$799 |
|
$809 |
|
$1,981 |
|
$663 |
|
$1,056 |
Ames Car Insurance vs. New York
People living in Ames pay an average of 13.22% less than the typical driver in the state. The average driver in Ames can expect to pay about $1,526 per year, or $2,104 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Ames for most people.
Car Insurance Prices by Ames Neighborhood
Insurance Prices
Where is insurance cheapest within Ames?
The map shows insurance prices in and around Ames, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $2,104 to a low of $2,104. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Ames.Pick the Best Car Insurance Company for You in Ames
The best car insurance provider for most drivers in Ames
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $627 over the average Ames car insurance company.
The best car insurance provider for Ames 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 $400 over the competition.
The best car insurance company for Ames drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $799 better than other car insurance companies.
The best auto insurance for Ames drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $809 less each year.
The least expensive car insurance company for new and young drivers in Ames
In Ames, Progressive costs young drivers $1,981 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Ames
Progressive gave the largest car insurance discounts to married couples, averaging $663 saved each year compared to an average Ames couple's premiums.
The cheapest car insurance in Ames for drivers with bad credit
The best Ames car insurance company for customer service
Recent price drops
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The cheapest large national provider in Ames
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Ames 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 Ames, 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 Ames
What Influences the Cost of Car Insurance in Ames?
On average, car insurance in Ames 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:
- 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 Ames are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Ames is one of the least populated areas 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 Ames is $127 per month for minimum coverage and $175 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
- Mapletown: Insurance costs 0.33% less
- Buel: Insurance costs the same
- Canajoharie: Insurance costs 0.33% more
- Leesville: Insurance costs 1.71% more
- Sharon Springs: Insurance costs 2.66% more
- Browns Hollow: Insurance costs 0.24% more
- Hessville: Insurance costs 1.24% less
- Palatine Bridge: Insurance costs 1.85% less
- Van Deusenville: Insurance costs 0.33% less
- Nelliston: Insurance costs 1.19% less
Cities with Similar Populations
- Matinicus: Insurance costs 53.56% less
- McNary: Insurance costs 20.48% less
- Trementina: Insurance costs 28.42% less
- Arlington: Insurance costs 7.75% less
- Tipton: Insurance costs 26.57% less
- Tionesta: Insurance costs 14.69% less
- Juntura: Insurance costs 35.55% less
- Stony River: Insurance costs 34.51% less
- Gratitude: Insurance costs 16.40% less
- Stewarts Point: Insurance costs 6.27% more