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Get Cheap Car Insurance in Hamilton Heights, Manhattan, NY
We monitor insurance prices, helping the average driver in Hamilton Heights save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Hamilton Heights
The chart below shows the cheapest car insurance company in Hamilton Heights 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.
| Hamilton Heights Insurer | Monthly Cost |
|---|---|
| Kemper | $130 |
| Plymouth Rock Assurance | $172 |
| Safeco Insurance | $186 |
| Geico | $194 |
Savings for Every Kind of Hamilton Heights Driver
Based on our extensive insurance data, we know the average Hamilton Heights 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 $1,050 per year by choosing the right vehicle insurance company. Some Hamilton Heights residents are paying out over $3,523 extra every year for auto insurance in Hamilton Heights. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Hamilton Heights, Manhattan, NY Savings / Yr. |
|---|---|
$1,050 |
|
$670 |
|
$1,338 |
|
$1,354 |
|
$3,317 |
|
$1,110 |
|
$1,768 |
Hamilton Heights Car Insurance vs. Manhattan
People living in Hamilton Heights pay an average of 45.27% more than the typical driver in the state. The average driver in Hamilton Heights can expect to pay about $2,555 per year, or $3,523 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Hamilton Heights for most people.
Car Insurance Prices by Hamilton Heights Neighborhood
Insurance Prices
Where is insurance cheapest within Hamilton Heights?
The map shows insurance prices in and around Hamilton Heights, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $988 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,684 to a low of $2,696. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Southeast parts of Hamilton Heights.Pick the Best Car Insurance Company for You in Hamilton Heights
The best car insurance provider for most drivers in Hamilton Heights
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $1,050 over the average Hamilton Heights car insurance company.
The best car insurance provider for Hamilton Heights 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 $670 over the competition.
The best car insurance company for Hamilton Heights drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,338 better than other car insurance companies.
The best auto insurance for Hamilton Heights drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,354 less each year.
The least expensive car insurance company for new and young drivers in Hamilton Heights
In Hamilton Heights, Progressive costs young drivers $3,317 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Hamilton Heights
Progressive gave the largest car insurance discounts to married couples, averaging $1,110 saved each year compared to an average Hamilton Heights couple's premiums.
The cheapest car insurance in Hamilton Heights for drivers with bad credit
The best Hamilton Heights car insurance company for customer service
Nationwide was the best company for customer service in Hamilton Heights according to the NAIC.
Recent price drops
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The cheapest large national provider in Hamilton Heights
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Hamilton Heights 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 Hamilton Heights, 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 Hamilton Heights
What Influences the Cost of Car Insurance in Hamilton Heights?
On average, car insurance in Hamilton Heights 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 Hamilton Heights is 48 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 Hamilton Heights are lower than average 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.
- Hamilton Heights 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 Hamilton Heights is $213 per month for minimum coverage and $294 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
- Harlem: Insurance costs 2.84% less
- Morningside Heights: Insurance costs 12.32% less
- Highbridge: Insurance costs 2.10% more
- East Harlem: Insurance costs 2.98% less
- Washington Heights: Insurance costs 0.23% more
- Mott Haven: Insurance costs 0.74% more
- South Bronx: Insurance costs 2.02% more
- Yorkville: Insurance costs 3.97% less
- Morris Heights: Insurance costs 2.21% more
- Coytesville: Insurance costs 33.10% less
Neighborhoods with Similar Populations
- Beverly Glen: Insurance costs 30.43% less
- Blossom Valley: Insurance costs 40.42% less
- Cedar Crest: Insurance costs 38.55% less
- Centennial Hills: Insurance costs 32.39% less
- Central East Denver: Insurance costs 39.46% less
- Central Mesa: Insurance costs 45.90% less
- Northwest: Insurance costs 35.03% less
- South East: Insurance costs 42.41% less
- Sheepshead Bay: Insurance costs 8.23% less
- Santa Teresa: Insurance costs 41.36% less