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Get Cheap Car Insurance in East Harlem, Manhattan, NY
We monitor insurance prices, helping the average driver in East Harlem save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in East Harlem
The chart below shows the cheapest car insurance company in East Harlem 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 Harlem Insurer | Monthly Cost |
|---|---|
| Kemper | $126 |
| Plymouth Rock Assurance | $167 |
| Safeco Insurance | $180 |
| Geico | $188 |
Savings for Every Kind of East Harlem Driver
Based on our extensive insurance data, we know the average East Harlem 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 $1,019 per year by choosing the right vehicle insurance company. Some East Harlem residents are paying out over $3,418 extra every year for auto insurance in East Harlem. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
East Harlem, Manhattan, NY Savings / Yr. |
|---|---|
$1,019 |
|
$650 |
|
$1,298 |
|
$1,314 |
|
$3,218 |
|
$1,077 |
|
$1,715 |
East Harlem Car Insurance vs. Manhattan
People living in East Harlem pay an average of 40.96% more than the typical driver in the state. The average driver in East Harlem can expect to pay about $2,479 per year, or $3,418 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in East Harlem for most people.
Car Insurance Prices by East Harlem Neighborhood
Insurance Prices
Where is insurance cheapest within East Harlem?
The map shows insurance prices in and around East Harlem, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $471 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,603 to a low of $3,132. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Northeast parts of East Harlem.Pick the Best Car Insurance Company for You in East Harlem
The best car insurance provider for most drivers in East Harlem
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $1,019 over the average East Harlem car insurance company.
The best car insurance provider for East Harlem 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 $650 over the competition.
The best car insurance company for East Harlem drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,298 better than other car insurance companies.
The best auto insurance for East Harlem drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,314 less each year.
The least expensive car insurance company for new and young drivers in East Harlem
In East Harlem, Progressive costs young drivers $3,218 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in East Harlem
Progressive gave the largest car insurance discounts to married couples, averaging $1,077 saved each year compared to an average East Harlem couple's premiums.
The cheapest car insurance in East Harlem for drivers with bad credit
The best East Harlem car insurance company for customer service
Nationwide was the best company for customer service in East Harlem according to the NAIC.
Recent price drops
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The cheapest large national provider in East Harlem
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average East Harlem 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 Harlem, 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 Harlem
What Influences the Cost of Car Insurance in East Harlem?
On average, car insurance in East Harlem 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:
- The average commute time in East Harlem is 46 minutes, which is about the national average for a driver in the city.
- 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 East Harlem are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- East Harlem 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 East Harlem is $207 per month for minimum coverage and $285 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
- Yorkville: Insurance costs 1.02% less
- Harlem: Insurance costs 0.15% more
- Morningside Heights: Insurance costs 9.63% less
- Carnegie Hill: Insurance costs 11.35% less
- Mott Haven: Insurance costs 3.83% more
- Hamilton Heights: Insurance costs 3.07% more
- Upper East Side: Insurance costs 12.23% less
- Upper West Side: Insurance costs 9.22% less
- Astoria: Insurance costs 2.43% less
- Roosevelt Island: Insurance costs 2.11% less
Neighborhoods with Similar Populations
- East Foothills: Insurance costs 36.95% less
- Otay Ranch: Insurance costs 42.98% less
- Sheepshead Bay: Insurance costs 5.41% less
- Sawtelle: Insurance costs 30.28% less
- Santa Teresa: Insurance costs 39.56% less
- Rogers Park: Insurance costs 42.63% less
- Richmond: Insurance costs 53.13% less
- Rego Park: Insurance costs 3.57% less
- Raleigh: Insurance costs 52.46% less
- Preston Hollow: Insurance costs 44.03% less