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Get Cheap Car Insurance in Baywood, NY
We monitor insurance prices, helping the average driver in Baywood save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Baywood
The chart below shows the cheapest car insurance company in Baywood 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.
| Baywood Insurer | Monthly Cost |
|---|---|
| Kemper | $107 |
| Plymouth Rock Assurance | $142 |
| Safeco Insurance | $153 |
| Geico | $159 |
Savings for Every Kind of Baywood Driver
Based on our extensive insurance data, we know the average Baywood 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 $864 per year by choosing the right vehicle insurance company. Some Baywood residents are paying out over $2,899 extra every year for auto insurance in Baywood. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Baywood, NY Savings / Yr. |
|---|---|
$864 |
|
$551 |
|
$1,101 |
|
$1,114 |
|
$2,729 |
|
$913 |
|
$1,455 |
Baywood Car Insurance vs. New York
People living in Baywood pay an average of 19.54% more than the typical driver in the state. The average driver in Baywood can expect to pay about $2,103 per year, or $2,899 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Baywood for most people.
Car Insurance Prices by Baywood Neighborhood
Insurance Prices
Where is insurance cheapest within Baywood?
The map shows insurance prices in and around Baywood, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $18 per year within the city boundaries, with insurance premiums ranging from a high of $2,908 to a low of $2,890. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Northeast parts of Baywood.Pick the Best Car Insurance Company for You in Baywood
The best car insurance provider for most drivers in Baywood
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $864 over the average Baywood car insurance company.
The best car insurance provider for Baywood 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 $551 over the competition.
The best car insurance company for Baywood drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,101 better than other car insurance companies.
The best auto insurance for Baywood drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,114 less each year.
The least expensive car insurance company for new and young drivers in Baywood
In Baywood, Progressive costs young drivers $2,729 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Baywood
Progressive gave the largest car insurance discounts to married couples, averaging $913 saved each year compared to an average Baywood couple's premiums.
The cheapest car insurance in Baywood for drivers with bad credit
The best Baywood car insurance company for customer service
Recent price drops
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The cheapest large national provider in Baywood
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Baywood 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 Baywood, 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 Baywood
What Influences the Cost of Car Insurance in Baywood?
On average, car insurance in Baywood 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 Baywood is 33 minutes, which is about the national 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 Baywood 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.
- Baywood 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 Baywood is $175 per month for minimum coverage and $242 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
- North Bay Shore: Insurance costs 5.42% more
- Deer Park: Insurance costs 2.73% less
- North Babylon: Insurance costs 6.76% less
- Bay Shore: Insurance costs 0.34% less
- Brightwaters: Insurance costs 10.14% less
- West Islip: Insurance costs 8.00% less
- Pine Aire: Insurance costs 6.62% more
- Brentwood: Insurance costs 5.21% more
- Wyandanch: Insurance costs 7.07% more
- Islip: Insurance costs 7.38% less
Cities with Similar Populations
- Millington: Insurance costs 1.03% more
- Mammoth Lakes: Insurance costs 32.25% less
- Maplewood: Insurance costs 32.08% less
- Marlow: Insurance costs 42.01% less
- Mars Hill: Insurance costs 58.78% less
- Mendota: Insurance costs 50.09% less
- Mentor-on-the-Lake: Insurance costs 62.12% less
- Middlebury: Insurance costs 32.53% less
- Midway: Insurance costs 41.64% less
- Midway Park: Insurance costs 55.71% less