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Get Cheap Car Insurance in Freehold, NY
We monitor insurance prices, helping the average driver in Freehold save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Freehold
The chart below shows the cheapest car insurance company in Freehold 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.
| Freehold Insurer | Monthly Cost |
|---|---|
| Kemper | $82 |
| Plymouth Rock Assurance | $110 |
| Safeco Insurance | $118 |
| Geico | $123 |
Savings for Every Kind of Freehold Driver
Based on our extensive insurance data, we know the average Freehold 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 $667 per year by choosing the right vehicle insurance company. Some Freehold residents are paying out over $2,237 extra every year for auto insurance in Freehold. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Freehold, NY Savings / Yr. |
|---|---|
$667 |
|
$425 |
|
$850 |
|
$860 |
|
$2,106 |
|
$705 |
|
$1,123 |
Freehold Car Insurance vs. New York
People living in Freehold pay an average of 7.75% less than the typical driver in the state. The average driver in Freehold can expect to pay about $1,623 per year, or $2,237 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Freehold for most people.
Car Insurance Prices by Freehold Neighborhood
Insurance Prices
Where is insurance cheapest within Freehold?
The map shows insurance prices in and around Freehold, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $52 per year within the city boundaries, with insurance premiums ranging from a high of $2,263 to a low of $2,211. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the South parts of Freehold.Pick the Best Car Insurance Company for You in Freehold
The best car insurance provider for most drivers in Freehold
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $667 over the average Freehold car insurance company.
The best car insurance provider for Freehold 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 $425 over the competition.
The best car insurance company for Freehold drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $850 better than other car insurance companies.
The best auto insurance for Freehold drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $860 less each year.
The least expensive car insurance company for new and young drivers in Freehold
In Freehold, Progressive costs young drivers $2,106 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Freehold
Progressive gave the largest car insurance discounts to married couples, averaging $705 saved each year compared to an average Freehold couple's premiums.
The cheapest car insurance in Freehold for drivers with bad credit
The best Freehold car insurance company for customer service
Recent price drops
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The cheapest large national provider in Freehold
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Freehold 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 Freehold, 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 Freehold
What Influences the Cost of Car Insurance in Freehold?
On average, car insurance in Freehold 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 Freehold is 33 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 Freehold are about average 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.
- Freehold 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 Freehold is $135 per month for minimum coverage and $186 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
- Greenville Center: Insurance costs 0.04% more
- Acra: Insurance costs 0.27% more
- Surprise: Insurance costs 0.49% less
- Cairo: Insurance costs 0.89% less
- East Durham: Insurance costs 0.89% more
- Greenville: Insurance costs 2.10% less
- Earlton: Insurance costs 0.31% less
- Cornwallville: Insurance costs 0.36% more
- Purling: Insurance costs 0.18% less
- Lambs Corner: Insurance costs 3.84% less
Cities with Similar Populations
- Bentleyville: Insurance costs 50.07% less
- Bonanza: Insurance costs 39.38% less
- Boon: Insurance costs 22.89% more
- Block Island: Insurance costs 5.01% less
- Bertha: Insurance costs 28.34% less
- Berne: Insurance costs 3.04% less
- Atwood: Insurance costs 29.37% less
- Arlington: Insurance costs 50.83% less
- Arkdale: Insurance costs 48.77% less
- Aplington: Insurance costs 45.64% less