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Get Cheap Car Insurance in Binghamton, NY
We monitor insurance prices, helping the average driver in Binghamton save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Binghamton
The chart below shows the cheapest car insurance company in Binghamton 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.
| Binghamton Insurer | Monthly Cost |
|---|---|
| Kemper | $85 |
| Plymouth Rock Assurance | $113 |
| Safeco Insurance | $121 |
| Geico | $127 |
Savings for Every Kind of Binghamton Driver
Based on our extensive insurance data, we know the average Binghamton 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 $687 per year by choosing the right vehicle insurance company. Some Binghamton residents are paying out over $2,303 extra every year for auto insurance in Binghamton. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Binghamton, NY Savings / Yr. |
|---|---|
$687 |
|
$438 |
|
$875 |
|
$885 |
|
$2,169 |
|
$726 |
|
$1,156 |
Binghamton Car Insurance vs. New York
People living in Binghamton pay an average of 5.01% less than the typical driver in the state. The average driver in Binghamton can expect to pay about $1,671 per year, or $2,303 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Binghamton for most people.
Car Insurance Prices by Binghamton Neighborhood
Insurance Prices
Where is insurance cheapest within Binghamton?
The map shows insurance prices in and around Binghamton, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $955 per year within the city boundaries, with insurance premiums ranging from a high of $2,951 to a low of $1,996. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Northwest parts of Binghamton.Pick the Best Car Insurance Company for You in Binghamton
The best car insurance provider for most drivers in Binghamton
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $687 over the average Binghamton car insurance company.
The best car insurance provider for Binghamton 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 $438 over the competition.
The best car insurance company for Binghamton drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $875 better than other car insurance companies.
The best auto insurance for Binghamton drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $885 less each year.
The least expensive car insurance company for new and young drivers in Binghamton
In Binghamton, Progressive costs young drivers $2,169 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Binghamton
Progressive gave the largest car insurance discounts to married couples, averaging $726 saved each year compared to an average Binghamton couple's premiums.
The cheapest car insurance in Binghamton for drivers with bad credit
The best Binghamton car insurance company for customer service
Nationwide was the best company for customer service in Binghamton according to the NAIC.
Recent price drops
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The cheapest large national provider in Binghamton
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Binghamton 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 Binghamton, 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 Binghamton
What Influences the Cost of Car Insurance in Binghamton?
On average, car insurance in Binghamton 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 Binghamton is 22 minutes, which is far less than average for a driver in the state.
- New York state insurance regulations may require higher prices.
- An average of 14 to 15 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Binghamton 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.
- Binghamton is one of the most densely populated areas 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 Binghamton is $139 per month for minimum coverage and $192 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
- Port Dickinson: Insurance costs 7.99% less
- Johnson City: Insurance costs 3.34% less
- Vestal: Insurance costs 2.39% less
- Conklin Forks: Insurance costs 11.20% less
- Endwell: Insurance costs 6.30% less
- Kirkwood: Insurance costs 4.78% less
- Conklin: Insurance costs 9.25% less
- Kattelville: Insurance costs 9.03% less
- Port Crane: Insurance costs 9.16% less
- Castle Creek: Insurance costs 10.73% less
Cities with Similar Populations
- Noblesville: Insurance costs 48.50% less
- New Braunfels: Insurance costs 28.05% less
- Norman: Insurance costs 22.36% less
- Newnan: Insurance costs 19.45% less
- Norristown: Insurance costs 34.43% less
- New Orleans: Insurance costs 52.97% more
- Norfolk: Insurance costs 43.33% less
- New York: Insurance costs 23.06% less
- New Rochelle: Insurance costs 26.79% more
- Livonia: Insurance costs 30.00% more