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Get Cheap Car Insurance in Bay Shore, NY
We monitor insurance prices, helping the average driver in Bay Shore save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Bay Shore
The chart below shows the cheapest car insurance company in Bay Shore 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 Shore Insurer | Monthly Cost |
|---|---|
| Kemper | $106 |
| Plymouth Rock Assurance | $142 |
| Safeco Insurance | $152 |
| Geico | $159 |
Savings for Every Kind of Bay Shore Driver
Based on our extensive insurance data, we know the average Bay Shore 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 $861 per year by choosing the right vehicle insurance company. Some Bay Shore residents are paying out over $2,889 extra every year for auto insurance in Bay Shore. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Bay Shore, NY Savings / Yr. |
|---|---|
$861 |
|
$549 |
|
$1,097 |
|
$1,110 |
|
$2,720 |
|
$910 |
|
$1,450 |
Bay Shore Car Insurance vs. New York
People living in Bay Shore pay an average of 19.14% more than the typical driver in the state. The average driver in Bay Shore can expect to pay about $2,096 per year, or $2,889 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Bay Shore for most people.
Car Insurance Prices by Bay Shore Neighborhood
Insurance Prices
Where is insurance cheapest within Bay Shore?
The map shows insurance prices in and around Bay Shore, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $920 per year within the city boundaries, with insurance premiums ranging from a high of $3,425 to a low of $2,505. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southeast parts of Bay Shore.Pick the Best Car Insurance Company for You in Bay Shore
The best car insurance provider for most drivers in Bay Shore
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $861 over the average Bay Shore car insurance company.
The best car insurance provider for Bay Shore 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 $549 over the competition.
The best car insurance company for Bay Shore drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,097 better than other car insurance companies.
The best auto insurance for Bay Shore drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,110 less each year.
The least expensive car insurance company for new and young drivers in Bay Shore
In Bay Shore, Progressive costs young drivers $2,720 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Bay Shore
Progressive gave the largest car insurance discounts to married couples, averaging $910 saved each year compared to an average Bay Shore couple's premiums.
The cheapest car insurance in Bay Shore for drivers with bad credit
The best Bay Shore car insurance company for customer service
Recent price drops
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The cheapest large national provider in Bay Shore
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Bay Shore 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 Shore, 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 Shore
What Influences the Cost of Car Insurance in Bay Shore?
On average, car insurance in Bay Shore 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 Bay Shore is 38 minutes, which is a little more 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 Bay Shore 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.
- Bay Shore 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 Bay Shore is $175 per month for minimum coverage and $241 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
- Brightwaters: Insurance costs 9.83% less
- North Bay Shore: Insurance costs 5.78% more
- Islip: Insurance costs 7.06% less
- Baywood: Insurance costs 0.35% more
- West Islip: Insurance costs 7.68% less
- Brentwood: Insurance costs 5.57% more
- North Babylon: Insurance costs 6.44% less
- East Islip: Insurance costs 8.90% less
- Islip Terrace: Insurance costs 8.38% less
- Deer Park: Insurance costs 2.39% less
Cities with Similar Populations
- Woodridge: Insurance costs 44.34% less
- Holiday: Insurance costs 2.15% less
- North Bay Village: Insurance costs 12.67% more
- Oakville: Insurance costs 35.13% less
- Port Angeles: Insurance costs 53.89% less
- Enterprise: Insurance costs 51.23% less
- Sahuarita: Insurance costs 40.95% less
- Sanger: Insurance costs 29.53% less
- Severn: Insurance costs 29.66% less
- Cottage Grove: Insurance costs 42.71% less