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Get Cheap Car Insurance in Haskell Flats, NY

We monitor insurance prices, helping the average driver in Haskell Flats save up to 32.6% on car insurance.

 

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The Cheapest Minimum Coverage in Haskell Flats

The chart below shows the cheapest car insurance company in Haskell Flats 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.

 
Haskell Flats Insurer Monthly Cost
Kemper $80
Plymouth Rock Assurance $107
Safeco Insurance $115
Geico $120

Savings for Every Kind of Haskell Flats Driver

The table shows how much the average auto insurance customer in Haskell Flats might save by following our recommendations.

Based on our extensive insurance data, we know the average Haskell Flats 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 $649 per year by choosing the right vehicle insurance company. Some Haskell Flats residents are paying out over $2,175 extra every year for auto insurance in Haskell Flats. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Haskell Flats Car Insurance vs. New York

People living in Haskell Flats pay an average of 10.30% less than the typical driver in the state. The average driver in Haskell Flats can expect to pay about $1,578 per year, or $2,175 for full coverage.

Based on our analysis, Kemper will be the cheapest provider in Haskell Flats for most people.

Car Insurance Prices by Haskell Flats Neighborhood

Haskell Flats, NY map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Haskell Flats?

The map shows insurance prices in and around Haskell Flats, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $231 per year within the city boundaries, with insurance premiums ranging from a high of $2,313 to a low of $2,082. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the East parts of Haskell Flats.

Pick the Best Car Insurance Company for You in Haskell Flats

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Haskell Flats insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Haskell Flats

For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $649 over the average Haskell Flats car insurance company.

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We use the average good driver, paying $127 per month, as our baseline for pricing in Haskell Flats. Kemper, Erie Insurance, and Plymouth Rock Assurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Haskell Flats drivers with accidents on their records

In Haskell Flats getting into an accident will raise premiums an average 5.2% for a yearly cost of $2,295. That's $120 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Progressive, and Kemper are good choices for drivers with accidents.

In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $414 over the competition.

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The best car insurance company for Haskell Flats drivers with speeding tickets

>Kemper gave the average person with a speeding ticket the most savings, averaging $826 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Haskell Flats, tickets raise premiums on new quotes about $469. If you have a speeding ticket, we recommend Progressive, Kemper, and Plymouth Rock Assurance for savings that beat the average insurance cost of $2,644 per year.

The best auto insurance for Haskell Flats drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,992 per year in auto insurance premiums, which was $816 more than a driver with no major issues. Progressive, Travelers, and Plymouth Rock Assurance penalized their customers the least for a DUI.

Getting a quote from Progressive may cost the average person with a DUI about $836 less each year.

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The least expensive car insurance company for new and young drivers in Haskell Flats

In Haskell Flats, Progressive costs young drivers $2,048 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 66% more for insurance than more mature drivers in Haskell Flats. With an average cost of $6,409 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Progressive try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Haskell Flats

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $74. State Farm, Geico, and Progressive provided the largest discounts to couples living in Haskell Flats.

Progressive gave the largest car insurance discounts to married couples, averaging $685 saved each year compared to an average Haskell Flats couple's premiums.

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The cheapest car insurance in Haskell Flats for drivers with bad credit

People with poor credit saved an average of $1,092 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,381 every year. Premiums for people with poor credit were about $3,556 in Haskell Flats. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Allstate, and Plymouth Rock Assurance.

The best Haskell Flats car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Haskell Flats, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Haskell Flats.

Nationwide was the best company for customer service in Haskell Flats according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Haskell Flats, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Haskell Flats. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Haskell Flats

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 14% of Haskell Flats residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Haskell Flats driver can expect to pay about $183 per month.

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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 Haskell Flats, 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.
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Auto Insurance Prices in and Around Haskell Flats

What Influences the Cost of Car Insurance in Haskell Flats?

On average, car insurance in Haskell Flats 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 Haskell Flats 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 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Haskell Flats 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.
  • Haskell Flats 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 Haskell Flats is $131 per month for minimum coverage and $181 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

Cities with Similar Populations

* Who is the average Haskell Flats driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Haskell Flats with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.