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Get Cheap Car Insurance in Baldwin Harbor, NY
We monitor insurance prices, helping the average driver in Baldwin Harbor save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Baldwin Harbor
The chart below shows the cheapest car insurance company in Baldwin Harbor 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.
| Baldwin Harbor Insurer | Monthly Cost |
|---|---|
| Kemper | $114 |
| Plymouth Rock Assurance | $152 |
| Safeco Insurance | $164 |
| Geico | $171 |
Savings for Every Kind of Baldwin Harbor Driver
Based on our extensive insurance data, we know the average Baldwin Harbor 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 $926 per year by choosing the right vehicle insurance company. Some Baldwin Harbor residents are paying out over $3,106 extra every year for auto insurance in Baldwin Harbor. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Baldwin Harbor, NY Savings / Yr. |
|---|---|
$926 |
|
$590 |
|
$1,180 |
|
$1,194 |
|
$2,924 |
|
$978 |
|
$1,559 |
Baldwin Harbor Car Insurance vs. New York
People living in Baldwin Harbor pay an average of 28.07% more than the typical driver in the state. The average driver in Baldwin Harbor can expect to pay about $2,253 per year, or $3,106 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Baldwin Harbor for most people.
Car Insurance Prices by Baldwin Harbor Neighborhood
Insurance Prices
Where is insurance cheapest within Baldwin Harbor?
The map shows insurance prices in and around Baldwin Harbor, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $324 per year within the city boundaries, with insurance premiums ranging from a high of $3,247 to a low of $2,923. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Northeast parts of Baldwin Harbor.Pick the Best Car Insurance Company for You in Baldwin Harbor
The best car insurance provider for most drivers in Baldwin Harbor
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $926 over the average Baldwin Harbor car insurance company.
The best car insurance provider for Baldwin Harbor 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 $590 over the competition.
The best car insurance company for Baldwin Harbor drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,180 better than other car insurance companies.
The best auto insurance for Baldwin Harbor drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,194 less each year.
The least expensive car insurance company for new and young drivers in Baldwin Harbor
In Baldwin Harbor, Progressive costs young drivers $2,924 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Baldwin Harbor
Progressive gave the largest car insurance discounts to married couples, averaging $978 saved each year compared to an average Baldwin Harbor couple's premiums.
The cheapest car insurance in Baldwin Harbor for drivers with bad credit
The best Baldwin Harbor car insurance company for customer service
Nationwide was the best company for customer service in Baldwin Harbor according to the NAIC.
Recent price drops
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The cheapest large national provider in Baldwin Harbor
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Baldwin Harbor 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 Baldwin Harbor, 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 Baldwin Harbor
What Influences the Cost of Car Insurance in Baldwin Harbor?
On average, car insurance in Baldwin Harbor is more expensive than the rest of the state. These high 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 Baldwin Harbor is 55 minutes, which is far more than average for a driver in the state.
- New York state insurance regulations may require higher prices.
- An average of 15 to 16 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Baldwin Harbor are lower than average 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.
- Baldwin Harbor 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 Baldwin Harbor is $188 per month for minimum coverage and $259 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
- Oceanside: Insurance costs 9.66% less
- Freeport: Insurance costs 3.83% more
- Baldwin: Insurance costs 1.22% more
- Rockville Centre: Insurance costs 6.63% less
- Lido Beach: Insurance costs 8.31% less
- Point Lookout: Insurance costs 5.05% less
- Merrick: Insurance costs 12.56% less
- Island Park: Insurance costs 8.50% less
- East Rockaway: Insurance costs 10.59% less
- Roosevelt: Insurance costs 10.24% more
Cities with Similar Populations
- Tequesta: Insurance costs 15.10% less
- St. Augustine Shores: Insurance costs 24.50% less
- Ivins: Insurance costs 56.86% less
- Iuka: Insurance costs 47.52% less
- Fairmount: Insurance costs 37.12% less
- Inverness: Insurance costs 49.68% less
- Ste. Genevieve: Insurance costs 41.82% less
- Stoneville: Insurance costs 61.14% less
- Indiantown: Insurance costs 17.00% less
- Farmerville: Insurance costs 2.80% less