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Get Cheap Car Insurance in Fire Island, NY
We monitor insurance prices, helping the average driver in Fire Island save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Fire Island
The chart below shows the cheapest car insurance company in Fire Island 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.
| Fire Island Insurer | Monthly Cost |
|---|---|
| Kemper | $98 |
| Plymouth Rock Assurance | $130 |
| Safeco Insurance | $140 |
| Geico | $146 |
Savings for Every Kind of Fire Island Driver
Based on our extensive insurance data, we know the average Fire Island 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 $794 per year by choosing the right vehicle insurance company. Some Fire Island residents are paying out over $2,663 extra every year for auto insurance in Fire Island. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Fire Island, NY Savings / Yr. |
|---|---|
$794 |
|
$506 |
|
$1,011 |
|
$1,024 |
|
$2,507 |
|
$839 |
|
$1,337 |
Fire Island Car Insurance vs. New York
People living in Fire Island pay an average of 9.83% more than the typical driver in the state. The average driver in Fire Island can expect to pay about $1,932 per year, or $2,663 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Fire Island for most people.
Car Insurance Prices by Fire Island Neighborhood
Insurance Prices
Where is insurance cheapest within Fire Island?
The map shows insurance prices in and around Fire Island, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $196 per year within the city boundaries, with insurance premiums ranging from a high of $2,673 to a low of $2,477. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Northeast parts of Fire Island.Pick the Best Car Insurance Company for You in Fire Island
The best car insurance provider for most drivers in Fire Island
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $794 over the average Fire Island car insurance company.
The best car insurance provider for Fire Island 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 $506 over the competition.
The best car insurance company for Fire Island drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,011 better than other car insurance companies.
The best auto insurance for Fire Island drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,024 less each year.
The least expensive car insurance company for new and young drivers in Fire Island
In Fire Island, Progressive costs young drivers $2,507 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Fire Island
Progressive gave the largest car insurance discounts to married couples, averaging $839 saved each year compared to an average Fire Island couple's premiums.
The cheapest car insurance in Fire Island for drivers with bad credit
The best Fire Island car insurance company for customer service
Nationwide was the best company for customer service in Fire Island according to the NAIC.
Recent price drops
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The cheapest large national provider in Fire Island
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Fire Island 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 Fire Island, 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 Fire Island
What Influences the Cost of Car Insurance in Fire Island?
On average, car insurance in Fire Island 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 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 Fire Island are among the lowest 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 C- according to CrimeGrade.org.
- Fire Island is a fairly densely populated area in the state. The city’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 Fire Island is $161 per month for minimum coverage and $222 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
- Saltaire: Insurance costs 0.38% more
- Ocean Beach: Insurance costs 0.08% more
- Oak Beach: Insurance costs 1.46% less
- Great River: Insurance costs 8.04% less
- East Islip: Insurance costs 1.16% less
- Islip: Insurance costs 0.83% more
- Brightwaters: Insurance costs 2.18% less
- Oakdale: Insurance costs 3.34% less
- Bay Shore: Insurance costs 8.49% more
- Islip Terrace: Insurance costs 0.60% less
Cities with Similar Populations
- Pullman: Insurance costs 42.17% less
- Mountain Lake: Insurance costs 49.53% less
- Mountainbrook: Insurance costs 35.86% less
- Muir Beach: Insurance costs 26.96% less
- Murray Store: Insurance costs 49.31% less
- Myakka Head: Insurance costs 10.59% less
- Myrtle: Insurance costs 32.97% less
- Nanticoke: Insurance costs 33.20% less
- Neutral: Insurance costs 42.66% less
- Neuville: Insurance costs 40.29% less