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Get Cheap Car Insurance in Ballston Spa, NY
We monitor insurance prices, helping the average driver in Ballston Spa save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Ballston Spa
The chart below shows the cheapest car insurance company in Ballston Spa 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.
| Ballston Spa Insurer | Monthly Cost |
|---|---|
| Kemper | $79 |
| Plymouth Rock Assurance | $105 |
| Safeco Insurance | $113 |
| Geico | $118 |
Savings for Every Kind of Ballston Spa Driver
Based on our extensive insurance data, we know the average Ballston Spa 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 $641 per year by choosing the right vehicle insurance company. Some Ballston Spa residents are paying out over $2,150 extra every year for auto insurance in Ballston Spa. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Ballston Spa, NY Savings / Yr. |
|---|---|
$641 |
|
$409 |
|
$817 |
|
$826 |
|
$2,025 |
|
$678 |
|
$1,079 |
Ballston Spa Car Insurance vs. New York
People living in Ballston Spa pay an average of 11.32% less than the typical driver in the state. The average driver in Ballston Spa can expect to pay about $1,560 per year, or $2,150 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Ballston Spa for most people.
Car Insurance Prices by Ballston Spa Neighborhood
Insurance Prices
Where is insurance cheapest within Ballston Spa?
The map shows insurance prices in and around Ballston Spa, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $468 per year within the city boundaries, with insurance premiums ranging from a high of $2,476 to a low of $2,008. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the South parts of Ballston Spa.Pick the Best Car Insurance Company for You in Ballston Spa
The best car insurance provider for most drivers in Ballston Spa
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $641 over the average Ballston Spa car insurance company.
The best car insurance provider for Ballston Spa 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 $409 over the competition.
The best car insurance company for Ballston Spa drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $817 better than other car insurance companies.
The best auto insurance for Ballston Spa drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $826 less each year.
The least expensive car insurance company for new and young drivers in Ballston Spa
In Ballston Spa, Progressive costs young drivers $2,025 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Ballston Spa
Progressive gave the largest car insurance discounts to married couples, averaging $678 saved each year compared to an average Ballston Spa couple's premiums.
The cheapest car insurance in Ballston Spa for drivers with bad credit
The best Ballston Spa car insurance company for customer service
Nationwide was the best company for customer service in Ballston Spa according to the NAIC.
Recent price drops
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The cheapest large national provider in Ballston Spa
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Ballston Spa 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 Ballston Spa, 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 Ballston Spa
What Influences the Cost of Car Insurance in Ballston Spa?
On average, car insurance in Ballston Spa 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 Ballston Spa is 30 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 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Ballston Spa are lower than 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.
- Ballston Spa 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 Ballston Spa is $130 per month for minimum coverage and $179 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
- East Line: Insurance costs 3.67% less
- Malta: Insurance costs 1.58% less
- Rock City Falls: Insurance costs 3.02% less
- West Milton: Insurance costs 3.81% less
- Ballston Lake: Insurance costs 4.00% more
- Round Lake: Insurance costs 2.98% less
- Harmony Corners: Insurance costs 3.58% less
- Saratoga Springs: Insurance costs 2.65% more
- Burnt Hills: Insurance costs 2.05% less
- Ketchums Corner: Insurance costs 1.95% less
Cities with Similar Populations
- Norfolk: Insurance costs 36.28% less
- East Northport: Insurance costs 24.09% more
- Scaggsville: Insurance costs 6.37% less
- San Ysidro: Insurance costs 0.79% less
- Salem: Insurance costs 41.86% less
- Roslindale: Insurance costs 4.84% less
- Riverside: Insurance costs 15.91% less
- Flemington: Insurance costs 19.21% less
- Raytown: Insurance costs 7.02% less
- Fountain: Insurance costs 6.60% less