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Get Cheap Car Insurance in Brighton, NY

We monitor insurance prices, helping the average driver in Brighton save up to 32.6% on car insurance.

 

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The Cheapest Minimum Coverage in Brighton

The chart below shows the cheapest car insurance company in Brighton 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.

 
Brighton Insurer Monthly Cost
Kemper $81
Plymouth Rock Assurance $108
Safeco Insurance $117
Geico $122

Savings for Every Kind of Brighton Driver

The table shows how much the average auto insurance customer in Brighton might save by following our recommendations.

Based on our extensive insurance data, we know the average Brighton 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 $660 per year by choosing the right vehicle insurance company. Some Brighton residents are paying out over $2,213 extra every year for auto insurance in Brighton. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Brighton, NY Savings / Yr.
Drivers with good records
$660
Drivers with accidents
$421
Drivers with speeding tickets
$840
Drivers with a DUI conviction
$850
Young drivers
$2,083
Married drivers
$697
Drivers with bad credit
$1,110

Brighton Car Insurance vs. New York

People living in Brighton pay an average of 8.75% less than the typical driver in the state. The average driver in Brighton can expect to pay about $1,605 per year, or $2,213 for full coverage.

Based on our analysis, Kemper will be the cheapest provider in Brighton for most people.

Car Insurance Prices by Brighton Neighborhood

Brighton, NY map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Brighton?

The map shows insurance prices in and around Brighton, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $590 per year within the city boundaries, with insurance premiums ranging from a high of $2,663 to a low of $2,073. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the West parts of Brighton.

Pick the Best Car Insurance Company for You in Brighton

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Brighton insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Brighton

For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $660 over the average Brighton car insurance company.

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We use the average good driver, paying $129 per month, as our baseline for pricing in Brighton. Kemper, Erie Insurance, and Plymouth Rock Assurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Brighton drivers with accidents on their records

In Brighton getting into an accident will raise premiums an average 5.2% for a yearly cost of $2,335. That's $122 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Progressive, and Kemper are good choices for drivers with accidents.

In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $421 over the competition.

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The best car insurance company for Brighton drivers with speeding tickets

>Kemper gave the average person with a speeding ticket the most savings, averaging $840 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Brighton, tickets raise premiums on new quotes about $477. If you have a speeding ticket, we recommend Progressive, Kemper, and Plymouth Rock Assurance for savings that beat the average insurance cost of $2,690 per year.

The best auto insurance for Brighton drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,043 per year in auto insurance premiums, which was $830 more than a driver with no major issues. Progressive, Travelers, and Plymouth Rock Assurance penalized their customers the least for a DUI.

Getting a quote from Progressive may cost the average person with a DUI about $850 less each year.

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The least expensive car insurance company for new and young drivers in Brighton

In Brighton, Progressive costs young drivers $2,083 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 66% more for insurance than more mature drivers in Brighton. With an average cost of $6,520 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Progressive try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Brighton

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $76. State Farm, Geico, and Progressive provided the largest discounts to couples living in Brighton.

Progressive gave the largest car insurance discounts to married couples, averaging $697 saved each year compared to an average Brighton couple's premiums.

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The cheapest car insurance in Brighton for drivers with bad credit

People with poor credit saved an average of $1,110 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,404 every year. Premiums for people with poor credit were about $3,617 in Brighton. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Allstate, and Plymouth Rock Assurance.

The best Brighton car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Brighton, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Brighton.

Nationwide was the best company for customer service in Brighton according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Brighton, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Brighton. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Brighton

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 43% of Brighton residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Brighton driver can expect to pay about $183 per month.

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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 Brighton, 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.
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Auto Insurance Prices in and Around Brighton

What Influences the Cost of Car Insurance in Brighton?

On average, car insurance in Brighton 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 Brighton is 21 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 11 to 12 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Brighton 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.
  • Brighton 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 Brighton is $134 per month for minimum coverage and $184 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

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* Who is the average Brighton driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Brighton with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.