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Get Cheap Car Insurance in Carlisle, NY
We monitor insurance prices, helping the average driver in Carlisle save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Carlisle
The chart below shows the cheapest car insurance company in Carlisle 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.
| Carlisle Insurer | Monthly Cost |
|---|---|
| Kemper | $78 |
| Plymouth Rock Assurance | $104 |
| Safeco Insurance | $112 |
| Geico | $117 |
Savings for Every Kind of Carlisle Driver
Based on our extensive insurance data, we know the average Carlisle 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 $633 per year by choosing the right vehicle insurance company. Some Carlisle residents are paying out over $2,125 extra every year for auto insurance in Carlisle. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Carlisle, NY Savings / Yr. |
|---|---|
$633 |
|
$404 |
|
$807 |
|
$817 |
|
$2,000 |
|
$669 |
|
$1,066 |
Carlisle Car Insurance vs. New York
People living in Carlisle pay an average of 12.38% less than the typical driver in the state. The average driver in Carlisle can expect to pay about $1,541 per year, or $2,125 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Carlisle for most people.
Car Insurance Prices by Carlisle Neighborhood
Insurance Prices
Where is insurance cheapest within Carlisle?
The map shows insurance prices in and around Carlisle, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $21 per year within the city boundaries, with insurance premiums ranging from a high of $2,130 to a low of $2,109. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the North parts of Carlisle.Pick the Best Car Insurance Company for You in Carlisle
The best car insurance provider for most drivers in Carlisle
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $633 over the average Carlisle car insurance company.
The best car insurance provider for Carlisle 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 $404 over the competition.
The best car insurance company for Carlisle drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $807 better than other car insurance companies.
The best auto insurance for Carlisle drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $817 less each year.
The least expensive car insurance company for new and young drivers in Carlisle
In Carlisle, Progressive costs young drivers $2,000 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Carlisle
Progressive gave the largest car insurance discounts to married couples, averaging $669 saved each year compared to an average Carlisle couple's premiums.
The cheapest car insurance in Carlisle for drivers with bad credit
The best Carlisle car insurance company for customer service
Recent price drops
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The cheapest large national provider in Carlisle
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Carlisle 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 Carlisle, 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 Carlisle
What Influences the Cost of Car Insurance in Carlisle?
On average, car insurance in Carlisle 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:
- 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 Carlisle 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.
- Carlisle has an average population density 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 Carlisle is $128 per month for minimum coverage and $177 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
- Flat Creek: Insurance costs 0.05% more
- Central Bridge: Insurance costs 0.75% more
- Howes Cave: Insurance costs 1.84% more
- Lawyersville: Insurance costs 3.86% more
- Sharon: Insurance costs 1.65% more
- Sloansville: Insurance costs 0.09% less
- Cobleskill: Insurance costs 6.59% more
- Browns Hollow: Insurance costs 0.75% less
- Sprakers: Insurance costs 0.80% less
- Oak Ridge: Insurance costs 0.28% less
Cities with Similar Populations
- Liberty: Insurance costs 11.67% more
- Terral: Insurance costs 20.99% less
- Malone: Insurance costs 35.72% less
- Mad River: Insurance costs 14.54% less
- Macksburg: Insurance costs 41.79% less
- Lytton: Insurance costs 13.04% less
- Lyons: Insurance costs 0.28% less
- Lynn Creek: Insurance costs 21.93% less
- Lucius: Insurance costs 20.99% less
- Lowell: Insurance costs 26.64% less