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Get Cheap Car Insurance in Chelsea, Manhattan, NY
We monitor insurance prices, helping the average driver in Chelsea save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Chelsea
The chart below shows the cheapest car insurance company in Chelsea 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.
| Chelsea Insurer | Monthly Cost |
|---|---|
| Kemper | $113 |
| Plymouth Rock Assurance | $150 |
| Safeco Insurance | $162 |
| Geico | $169 |
Savings for Every Kind of Chelsea Driver
Based on our extensive insurance data, we know the average Chelsea 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 $914 per year by choosing the right vehicle insurance company. Some Chelsea residents are paying out over $3,067 extra every year for auto insurance in Chelsea. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Chelsea, Manhattan, NY Savings / Yr. |
|---|---|
$914 |
|
$583 |
|
$1,165 |
|
$1,179 |
|
$2,887 |
|
$966 |
|
$1,539 |
Chelsea Car Insurance vs. Manhattan
People living in Chelsea pay an average of 26.47% more than the typical driver in the state. The average driver in Chelsea can expect to pay about $2,225 per year, or $3,067 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Chelsea for most people.
Car Insurance Prices by Chelsea Neighborhood
Insurance Prices
Where is insurance cheapest within Chelsea?
The map shows insurance prices in and around Chelsea, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $706 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,419 to a low of $2,713. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the East parts of Chelsea.Pick the Best Car Insurance Company for You in Chelsea
The best car insurance provider for most drivers in Chelsea
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $914 over the average Chelsea car insurance company.
The best car insurance provider for Chelsea 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 $583 over the competition.
The best car insurance company for Chelsea drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,165 better than other car insurance companies.
The best auto insurance for Chelsea drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,179 less each year.
The least expensive car insurance company for new and young drivers in Chelsea
In Chelsea, Progressive costs young drivers $2,887 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Chelsea
Progressive gave the largest car insurance discounts to married couples, averaging $966 saved each year compared to an average Chelsea couple's premiums.
The cheapest car insurance in Chelsea for drivers with bad credit
The best Chelsea car insurance company for customer service
Recent price drops
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The cheapest large national provider in Chelsea
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Chelsea 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 Chelsea, 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 Chelsea
What Influences the Cost of Car Insurance in Chelsea?
On average, car insurance in Chelsea 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 neighborhood are influenced by the following factors:
- New York state insurance regulations may require higher prices.
- An average of 8 to 9 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Chelsea are lower than average 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 B+ according to CrimeGrade.org.
- Chelsea is one of the least populated areas in the state. The neighborhood’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 Chelsea is $185 per month for minimum coverage and $256 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 Neighborhoods
- Garment District: Insurance costs 0.95% more
- West Village: Insurance costs 4.70% less
- Greenwich Village: Insurance costs 6.72% less
- Clinton: Insurance costs 3.06% more
- Gramercy: Insurance costs 2.87% less
- Kips Bay: Insurance costs 2.18% less
- Murray Hill: Insurance costs 2.93% less
- Theater District: Insurance costs 1.73% more
- Soho: Insurance costs 3.49% less
- East Village: Insurance costs 2.90% more
Neighborhoods with Similar Populations
- Centennial Hills: Insurance costs 22.33% less
- Far North Dallas-Keller: Insurance costs 42.75% less
- Ridgewood: Insurance costs 10.04% more
- Santa Teresa: Insurance costs 32.64% less
- Hamilton Heights: Insurance costs 14.87% more
- Greater Hilltop: Insurance costs 59.50% less
- Richmond Hill: Insurance costs 15.39% more
- Southeast Arlington: Insurance costs 36.58% less
- Allston-Brighton: Insurance costs 38.02% less
- The Heights: Insurance costs 21.06% less