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Get Cheap Car Insurance in Downtown Binghamton, Binghamton, NY
We monitor insurance prices, helping the average driver in Downtown Binghamton save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Downtown Binghamton
The chart below shows the cheapest car insurance company in Downtown 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.
| Downtown Binghamton Insurer | Monthly Cost |
|---|---|
| Kemper | $91 |
| Plymouth Rock Assurance | $121 |
| Safeco Insurance | $130 |
| Geico | $136 |
Savings for Every Kind of Downtown Binghamton Driver
Based on our extensive insurance data, we know the average Downtown 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 $736 per year by choosing the right vehicle insurance company. Some Downtown Binghamton residents are paying out over $2,469 extra every year for auto insurance in Downtown Binghamton. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Downtown Binghamton, Binghamton, NY Savings / Yr. |
|---|---|
$736 |
|
$469 |
|
$938 |
|
$949 |
|
$2,324 |
|
$778 |
|
$1,239 |
Downtown Binghamton Car Insurance vs. Binghamton
People living in Downtown Binghamton pay an average of 1.80% more than the typical driver in the state. The average driver in Downtown Binghamton can expect to pay about $1,791 per year, or $2,469 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Downtown Binghamton for most people.
Car Insurance Prices by Downtown Binghamton Neighborhood
Insurance Prices
Where is insurance cheapest within Downtown Binghamton?
The map shows insurance prices in and around Downtown Binghamton, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $703 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,951 to a low of $2,248. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Central parts of Downtown Binghamton.Pick the Best Car Insurance Company for You in Downtown Binghamton
The best car insurance provider for most drivers in Downtown Binghamton
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $736 over the average Downtown Binghamton car insurance company.
The best car insurance provider for Downtown 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 $469 over the competition.
The best car insurance company for Downtown Binghamton drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $938 better than other car insurance companies.
The best auto insurance for Downtown Binghamton drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $949 less each year.
The least expensive car insurance company for new and young drivers in Downtown Binghamton
In Downtown Binghamton, Progressive costs young drivers $2,324 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Downtown Binghamton
Progressive gave the largest car insurance discounts to married couples, averaging $778 saved each year compared to an average Downtown Binghamton couple's premiums.
The cheapest car insurance in Downtown Binghamton for drivers with bad credit
The best Downtown Binghamton car insurance company for customer service
Nationwide was the best company for customer service in Downtown Binghamton according to the NAIC.
Recent price drops
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The cheapest large national provider in Downtown Binghamton
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Downtown 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 Downtown 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 Downtown Binghamton
What Influences the Cost of Car Insurance in Downtown Binghamton?
On average, car insurance in Downtown Binghamton 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 14 to 15 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Downtown Binghamton are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Downtown Binghamton is a fairly densely populated area in the state. The neighborhood’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 Downtown Binghamton is $149 per month for minimum coverage and $206 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
- Southside: Insurance costs 5.59% less
- Westside: Insurance costs 3.04% less
- First Ward: Insurance costs 0.08% more
- Eastside: Insurance costs 7.17% less
- Stockade District: Insurance costs 0.04% less
- Campus Area: Insurance costs 3.85% less
- Buckingham Lake-Crestwood: Insurance costs 6.56% less
- Helderberg: Insurance costs 6.12% less
- New Scotland-Woodlawn: Insurance costs 2.11% less
- Delaware Avenue: Insurance costs 9.44% more
Neighborhoods with Similar Populations
- Rum Village: Insurance costs 43.01% less
- Highlands Park: Insurance costs 30.74% less
- Indian Hill: Insurance costs 26.20% less
- Kendrick Lake: Insurance costs 18.23% less
- Lower Beaver: Insurance costs 45.16% less
- Magnolia Place: Insurance costs 20.74% less
- Meadowlane: Insurance costs 42.89% less
- Mount Lookout: Insurance costs 53.83% less
- Balboa: Insurance costs 41.03% less
- North Image: Insurance costs 38.84% less