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Get Cheap Car Insurance in First Ward, Binghamton, NY
We monitor insurance prices, helping the average driver in First Ward save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in First Ward
The chart below shows the cheapest car insurance company in First Ward 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.
| First Ward Insurer | Monthly Cost |
|---|---|
| Kemper | $91 |
| Plymouth Rock Assurance | $121 |
| Safeco Insurance | $130 |
| Geico | $136 |
Savings for Every Kind of First Ward Driver
Based on our extensive insurance data, we know the average First Ward 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 $737 per year by choosing the right vehicle insurance company. Some First Ward residents are paying out over $2,471 extra every year for auto insurance in First Ward. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
First Ward, Binghamton, NY Savings / Yr. |
|---|---|
$737 |
|
$470 |
|
$939 |
|
$950 |
|
$2,327 |
|
$779 |
|
$1,240 |
First Ward Car Insurance vs. Binghamton
People living in First Ward pay an average of 1.91% more than the typical driver in the state. The average driver in First Ward can expect to pay about $1,793 per year, or $2,471 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in First Ward for most people.
Car Insurance Prices by First Ward Neighborhood
Insurance Prices
Where is insurance cheapest within First Ward?
The map shows insurance prices in and around First Ward, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $441 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,693 to a low of $2,252. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Southwest parts of First Ward.Pick the Best Car Insurance Company for You in First Ward
The best car insurance provider for most drivers in First Ward
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $737 over the average First Ward car insurance company.
The best car insurance provider for First Ward 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 $470 over the competition.
The best car insurance company for First Ward drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $939 better than other car insurance companies.
The best auto insurance for First Ward drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $950 less each year.
The least expensive car insurance company for new and young drivers in First Ward
In First Ward, Progressive costs young drivers $2,327 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in First Ward
Progressive gave the largest car insurance discounts to married couples, averaging $779 saved each year compared to an average First Ward couple's premiums.
The cheapest car insurance in First Ward for drivers with bad credit
The best First Ward car insurance company for customer service
Nationwide was the best company for customer service in First Ward according to the NAIC.
Recent price drops
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The cheapest large national provider in First Ward
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average First Ward 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 First Ward, 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 First Ward
What Influences the Cost of Car Insurance in First Ward?
On average, car insurance in First Ward 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 First Ward are lower than average 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.
- First Ward 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 First Ward 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
- Westside: Insurance costs 3.12% less
- Downtown Binghamton: Insurance costs 0.08% less
- Southside: Insurance costs 5.67% less
- Eastside: Insurance costs 7.24% less
- Stockade District: Insurance costs 0.12% less
- Campus Area: Insurance costs 3.93% less
- Buckingham Lake-Crestwood: Insurance costs 6.64% less
- Helderberg: Insurance costs 6.19% less
- New Scotland-Woodlawn: Insurance costs 2.19% less
- Delaware Avenue: Insurance costs 9.35% more
Neighborhoods with Similar Populations
- Seven Bar Ranch: Insurance costs 32.98% less
- Pecan Springs Springdale: Insurance costs 17.24% less
- Pheasant Run: Insurance costs 14.93% less
- Plum Orchard: Insurance costs 63.58% more
- Preston Park: Insurance costs 50.75% less
- Riverdale: Insurance costs 61.55% more
- Riviera East: Insurance costs 13.68% less
- Route 66 Historic District: Insurance costs 19.22% less
- Sam Hughes: Insurance costs 29.06% less
- Parkway and Cherry Point: Insurance costs 23.27% less