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Get Cheap Car Insurance in Hoboken, NY
We monitor insurance prices, helping the average driver in Hoboken save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Hoboken
The chart below shows the cheapest car insurance company in Hoboken 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.
| Hoboken Insurer | Monthly Cost |
|---|---|
| Kemper | $84 |
| Plymouth Rock Assurance | $111 |
| Safeco Insurance | $120 |
| Geico | $125 |
Savings for Every Kind of Hoboken Driver
Based on our extensive insurance data, we know the average Hoboken 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 $677 per year by choosing the right vehicle insurance company. Some Hoboken residents are paying out over $2,271 extra every year for auto insurance in Hoboken. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Hoboken, NY Savings / Yr. |
|---|---|
$677 |
|
$432 |
|
$863 |
|
$873 |
|
$2,138 |
|
$716 |
|
$1,140 |
Hoboken Car Insurance vs. New York
People living in Hoboken pay an average of 6.34% less than the typical driver in the state. The average driver in Hoboken can expect to pay about $1,647 per year, or $2,271 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Hoboken for most people.
Car Insurance Prices by Hoboken Neighborhood
Insurance Prices
Where is insurance cheapest within Hoboken?
The map shows insurance prices in and around Hoboken, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $268 per year within the city boundaries, with insurance premiums ranging from a high of $2,429 to a low of $2,161. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Hoboken.Pick the Best Car Insurance Company for You in Hoboken
The best car insurance provider for most drivers in Hoboken
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $677 over the average Hoboken car insurance company.
The best car insurance provider for Hoboken 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 $432 over the competition.
The best car insurance company for Hoboken drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $863 better than other car insurance companies.
The best auto insurance for Hoboken drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $873 less each year.
The least expensive car insurance company for new and young drivers in Hoboken
In Hoboken, Progressive costs young drivers $2,138 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Hoboken
Progressive gave the largest car insurance discounts to married couples, averaging $716 saved each year compared to an average Hoboken couple's premiums.
The cheapest car insurance in Hoboken for drivers with bad credit
The best Hoboken car insurance company for customer service
Recent price drops
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The cheapest large national provider in Hoboken
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Hoboken 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 Hoboken, 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 Hoboken
What Influences the Cost of Car Insurance in Hoboken?
On average, car insurance in Hoboken 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 Hoboken 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 14 to 15 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Hoboken 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 A according to CrimeGrade.org.
- Hoboken is a lightly populated area in the state. The city’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 Hoboken is $137 per month for minimum coverage and $189 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
- New Berlin: Insurance costs 1.98% less
- Pittsfield: Insurance costs 4.84% less
- South Edmeston: Insurance costs 6.34% less
- Stetsonville: Insurance costs 4.84% less
- South New Berlin: Insurance costs 2.64% less
- Morris: Insurance costs 6.08% less
- Edmeston: Insurance costs 4.76% less
- New Lisbon: Insurance costs 1.76% less
- Garrattsville: Insurance costs 1.67% less
- Sherburne: Insurance costs 7.13% less
Cities with Similar Populations
- Iduna: Insurance costs 49.71% less
- Huff: Insurance costs 22.32% less
- Hughes: Insurance costs 24.13% less
- Hugo: Insurance costs 39.98% less
- Hunter: Insurance costs 22.37% more
- Hunter: Insurance costs 25.94% less
- Huntley: Insurance costs 33.20% less
- Hunts Corner: Insurance costs 57.42% less
- Hurdtown: Insurance costs 25.19% less
- Ideal: Insurance costs 23.60% less