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Get Cheap Car Insurance in East Durham, NY
We monitor insurance prices, helping the average driver in East Durham save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in East Durham
The chart below shows the cheapest car insurance company in East Durham 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.
| East Durham Insurer | Monthly Cost |
|---|---|
| Kemper | $83 |
| Plymouth Rock Assurance | $111 |
| Safeco Insurance | $119 |
| Geico | $124 |
Savings for Every Kind of East Durham Driver
Based on our extensive insurance data, we know the average East Durham 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 $673 per year by choosing the right vehicle insurance company. Some East Durham residents are paying out over $2,257 extra every year for auto insurance in East Durham. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
East Durham, NY Savings / Yr. |
|---|---|
$673 |
|
$429 |
|
$857 |
|
$867 |
|
$2,125 |
|
$711 |
|
$1,133 |
East Durham Car Insurance vs. New York
People living in East Durham pay an average of 6.94% less than the typical driver in the state. The average driver in East Durham can expect to pay about $1,637 per year, or $2,257 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in East Durham for most people.
Car Insurance Prices by East Durham Neighborhood
Insurance Prices
Where is insurance cheapest within East Durham?
The map shows insurance prices in and around East Durham, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $23 per year within the city boundaries, with insurance premiums ranging from a high of $2,261 to a low of $2,238. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the West parts of East Durham.Pick the Best Car Insurance Company for You in East Durham
The best car insurance provider for most drivers in East Durham
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $673 over the average East Durham car insurance company.
The best car insurance provider for East Durham 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 $429 over the competition.
The best car insurance company for East Durham drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $857 better than other car insurance companies.
The best auto insurance for East Durham drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $867 less each year.
The least expensive car insurance company for new and young drivers in East Durham
In East Durham, Progressive costs young drivers $2,125 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in East Durham
Progressive gave the largest car insurance discounts to married couples, averaging $711 saved each year compared to an average East Durham couple's premiums.
The cheapest car insurance in East Durham for drivers with bad credit
The best East Durham car insurance company for customer service
Nationwide was the best company for customer service in East Durham according to the NAIC.
Recent price drops
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The cheapest large national provider in East Durham
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average East Durham 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 East Durham, 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 East Durham
What Influences the Cost of Car Insurance in East Durham?
On average, car insurance in East Durham 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 East Durham is 34 minutes, which is about the national average for a driver in the state.
- 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 East Durham are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- East Durham 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 East Durham is $136 per month for minimum coverage and $188 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
- Cornwallville: Insurance costs 0.53% less
- Oak Hill: Insurance costs 1.60% less
- Durham: Insurance costs 0.84% less
- Acra: Insurance costs 0.62% less
- Freehold: Insurance costs 0.89% less
- Lambs Corner: Insurance costs 4.70% less
- Greenville: Insurance costs 2.97% less
- Medusa: Insurance costs 1.68% more
- Greenville Center: Insurance costs 0.84% less
- West Durham: Insurance costs 1.06% less
Cities with Similar Populations
- Alma Center: Insurance costs 49.93% less
- Westphalia: Insurance costs 22.86% less
- West Baldwin: Insurance costs 56.76% less
- Weogufka: Insurance costs 31.37% less
- Wallace Ridge: Insurance costs 31.19% more
- Victoria: Insurance costs 23.35% less
- Upton: Insurance costs 29.60% less
- Turtle Creek: Insurance costs 28.49% less
- Whipple: Insurance costs 50.95% less
- Wilcox: Insurance costs 40.94% less