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Get Cheap Car Insurance in Guilford, NY
We monitor insurance prices, helping the average driver in Guilford save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Guilford
The chart below shows the cheapest car insurance company in Guilford 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.
| Guilford Insurer | Monthly Cost |
|---|---|
| Kemper | $83 |
| Plymouth Rock Assurance | $110 |
| Safeco Insurance | $119 |
| Geico | $124 |
Savings for Every Kind of Guilford Driver
Based on our extensive insurance data, we know the average Guilford 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 $671 per year by choosing the right vehicle insurance company. Some Guilford residents are paying out over $2,250 extra every year for auto insurance in Guilford. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Guilford, NY Savings / Yr. |
|---|---|
$671 |
|
$428 |
|
$854 |
|
$865 |
|
$2,118 |
|
$709 |
|
$1,129 |
Guilford Car Insurance vs. New York
People living in Guilford pay an average of 7.23% less than the typical driver in the state. The average driver in Guilford can expect to pay about $1,632 per year, or $2,250 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Guilford for most people.
Car Insurance Prices by Guilford Neighborhood
Insurance Prices
Where is insurance cheapest within Guilford?
The map shows insurance prices in and around Guilford, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $184 per year within the city boundaries, with insurance premiums ranging from a high of $2,286 to a low of $2,102. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Northeast parts of Guilford.Pick the Best Car Insurance Company for You in Guilford
The best car insurance provider for most drivers in Guilford
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $671 over the average Guilford car insurance company.
The best car insurance provider for Guilford 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 $428 over the competition.
The best car insurance company for Guilford drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $854 better than other car insurance companies.
The best auto insurance for Guilford drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $865 less each year.
The least expensive car insurance company for new and young drivers in Guilford
In Guilford, Progressive costs young drivers $2,118 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Guilford
Progressive gave the largest car insurance discounts to married couples, averaging $709 saved each year compared to an average Guilford couple's premiums.
The cheapest car insurance in Guilford for drivers with bad credit
The best Guilford car insurance company for customer service
Recent price drops
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The cheapest large national provider in Guilford
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Guilford 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 Guilford, 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 Guilford
What Influences the Cost of Car Insurance in Guilford?
On average, car insurance in Guilford 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 Guilford is 32 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 14 to 15 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Guilford are lower than average 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.
- Guilford 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 Guilford is $136 per month for minimum coverage and $187 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
- Guilford Center: Insurance costs 4.00% less
- Mount Upton: Insurance costs 1.29% less
- Rockdale: Insurance costs 3.07% more
- West Bainbridge: Insurance costs 3.42% less
- White Store: Insurance costs 7.02% less
- Oxford: Insurance costs 4.49% less
- South Oxford: Insurance costs 4.84% less
- Springvale: Insurance costs 7.20% less
- Bainbridge: Insurance costs 3.56% less
- Tyner: Insurance costs 6.58% less
Cities with Similar Populations
- Round Top: Insurance costs 29.51% less
- Lake Lillian: Insurance costs 30.93% less
- Lake Spring: Insurance costs 20.36% less
- Laughlin A F B: Insurance costs 25.73% less
- Lewiston Woodville: Insurance costs 42.58% less
- Marlow: Insurance costs 46.22% less
- Moffat: Insurance costs 19.20% less
- Montrose: Insurance costs 24.98% less
- Mosses: Insurance costs 29.64% less
- Rio Oso: Insurance costs 16.00% less