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Get Cheap Car Insurance in Bay Colony, Baldwin Harbor, NY
We monitor insurance prices, helping the average driver in Bay Colony save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Bay Colony
The chart below shows the cheapest car insurance company in Bay Colony 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.
| Bay Colony Insurer | Monthly Cost |
|---|---|
| Kemper | $114 |
| Plymouth Rock Assurance | $151 |
| Safeco Insurance | $163 |
| Geico | $170 |
Savings for Every Kind of Bay Colony Driver
Based on our extensive insurance data, we know the average Bay Colony 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 $921 per year by choosing the right vehicle insurance company. Some Bay Colony residents are paying out over $3,087 extra every year for auto insurance in Bay Colony. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Bay Colony, Baldwin Harbor, NY Savings / Yr. |
|---|---|
$921 |
|
$587 |
|
$1,173 |
|
$1,187 |
|
$2,907 |
|
$973 |
|
$1,549 |
Bay Colony Car Insurance vs. Baldwin Harbor
People living in Bay Colony pay an average of 27.32% more than the typical driver in the state. The average driver in Bay Colony can expect to pay about $2,240 per year, or $3,087 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Bay Colony for most people.
Car Insurance Prices by Bay Colony Neighborhood
Insurance Prices
Where is insurance cheapest within Bay Colony?
The map shows insurance prices in and around Bay Colony, 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 neighborhood 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 South area, and lower for those with homes in the East parts of Bay Colony.Pick the Best Car Insurance Company for You in Bay Colony
The best car insurance provider for most drivers in Bay Colony
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $921 over the average Bay Colony car insurance company.
The best car insurance provider for Bay Colony 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 $587 over the competition.
The best car insurance company for Bay Colony drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,173 better than other car insurance companies.
The best auto insurance for Bay Colony drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,187 less each year.
The least expensive car insurance company for new and young drivers in Bay Colony
In Bay Colony, Progressive costs young drivers $2,907 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Bay Colony
Progressive gave the largest car insurance discounts to married couples, averaging $973 saved each year compared to an average Bay Colony couple's premiums.
The cheapest car insurance in Bay Colony for drivers with bad credit
The best Bay Colony car insurance company for customer service
Nationwide was the best company for customer service in Bay Colony according to the NAIC.
Recent price drops
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The cheapest large national provider in Bay Colony
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Bay Colony 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 Bay Colony, 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 Bay Colony
What Influences the Cost of Car Insurance in Bay Colony?
On average, car insurance in Bay Colony 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 neighborhood are influenced by the following factors:
- The average commute time in Bay Colony is 53 minutes, which is a little more than average for a driver in the city.
- 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 Bay Colony are among the highest 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.
- Bay Colony is a lightly populated area in the state. The neighborhood’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 Bay Colony is $187 per month for minimum coverage and $257 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 Neighborhoods
- Mott Section: Insurance costs 3.89% less
- Biltmore Shores: Insurance costs 14.45% less
- Rosedale: Insurance costs 14.61% more
- Laurelton: Insurance costs 16.59% more
- Cambria Heights: Insurance costs 15.10% more
- Nassau Shores: Insurance costs 13.70% less
- Far Rockaway: Insurance costs 10.43% more
- Springfield Gardens: Insurance costs 15.06% more
- Queens Village: Insurance costs 12.89% more
- Rochdale Village: Insurance costs 14.42% more
Neighborhoods with Similar Populations
- Friends of Friedrich Wilderness Park: Insurance costs 45.51% less
- Brookside: Insurance costs 65.21% less
- Indian Hill: Insurance costs 46.71% less
- Greenfield: Insurance costs 31.20% less
- Strong: Insurance costs 25.98% less
- Far North Dallas-Roanoke: Insurance costs 44.57% less
- Euclid Ave North: Insurance costs 49.56% less
- Yuma Townsite: Insurance costs 42.70% less
- Westies: Insurance costs 62.78% less
- Westmont: Insurance costs 46.58% less