Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Hannibal, NY
We monitor insurance prices, helping the average driver in Hannibal save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Hannibal
The chart below shows the cheapest car insurance company in Hannibal 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.
| Hannibal Insurer | Monthly Cost |
|---|---|
| Kemper | $76 |
| Plymouth Rock Assurance | $101 |
| Safeco Insurance | $108 |
| Geico | $113 |
Savings for Every Kind of Hannibal Driver
Based on our extensive insurance data, we know the average Hannibal 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 $613 per year by choosing the right vehicle insurance company. Some Hannibal residents are paying out over $2,054 extra every year for auto insurance in Hannibal. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Hannibal, NY Savings / Yr. |
|---|---|
$613 |
|
$391 |
|
$780 |
|
$790 |
|
$1,934 |
|
$647 |
|
$1,031 |
Hannibal Car Insurance vs. New York
People living in Hannibal pay an average of 15.28% less than the typical driver in the state. The average driver in Hannibal can expect to pay about $1,490 per year, or $2,054 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Hannibal for most people.
Car Insurance Prices by Hannibal Neighborhood
Insurance Prices
Where is insurance cheapest within Hannibal?
The map shows insurance prices in and around Hannibal, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $84 per year within the city boundaries, with insurance premiums ranging from a high of $2,103 to a low of $2,019. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Northwest parts of Hannibal.Pick the Best Car Insurance Company for You in Hannibal
The best car insurance provider for most drivers in Hannibal
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $613 over the average Hannibal car insurance company.
The best car insurance provider for Hannibal 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 $391 over the competition.
The best car insurance company for Hannibal drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $780 better than other car insurance companies.
The best auto insurance for Hannibal drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $790 less each year.
The least expensive car insurance company for new and young drivers in Hannibal
In Hannibal, Progressive costs young drivers $1,934 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Hannibal
Progressive gave the largest car insurance discounts to married couples, averaging $647 saved each year compared to an average Hannibal couple's premiums.
The cheapest car insurance in Hannibal for drivers with bad credit
The best Hannibal car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Hannibal, which was better than other insurers.
The cheapest large national provider in Hannibal
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Hannibal 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 Hannibal, 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 Hannibal
What Influences the Cost of Car Insurance in Hannibal?
On average, car insurance in Hannibal 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 Hannibal is 31 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 Hannibal are among the lowest 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.
- Hannibal 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 Hannibal is $124 per month for minimum coverage and $171 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
- Hannibal Center: Insurance costs 0.54% more
- North Hannibal: Insurance costs 0.63% less
- South Hannibal: Insurance costs 0.49% more
- Granby Center: Insurance costs 0.49% more
- Martville: Insurance costs 1.75% more
- Sterling: Insurance costs 1.75% more
- Furniss: Insurance costs 1.61% less
- Sterling Valley: Insurance costs 0.15% more
- Southwest Oswego: Insurance costs 0.15% less
- Floridaville: Insurance costs 0.34% less
Cities with Similar Populations
- Schoharie: Insurance costs 6.77% more
- Fort Loramie: Insurance costs 50.05% less
- Frankfort: Insurance costs 35.88% more
- Ganado: Insurance costs 21.28% less
- Garfield: Insurance costs 17.58% less
- Germantown: Insurance costs 9.10% more
- Ajo: Insurance costs 18.26% less
- Graterford: Insurance costs 24.54% less
- New London: Insurance costs 40.75% less
- Raceland: Insurance costs 1.70% more