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Get Cheap Car Insurance in Hopkinton, NY
We monitor insurance prices, helping the average driver in Hopkinton save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Hopkinton
The chart below shows the cheapest car insurance company in Hopkinton 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.
| Hopkinton Insurer | Monthly Cost |
|---|---|
| Kemper | $75 |
| Plymouth Rock Assurance | $100 |
| Safeco Insurance | $107 |
| Geico | $112 |
Savings for Every Kind of Hopkinton Driver
Based on our extensive insurance data, we know the average Hopkinton 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 $606 per year by choosing the right vehicle insurance company. Some Hopkinton residents are paying out over $2,033 extra every year for auto insurance in Hopkinton. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Hopkinton, NY Savings / Yr. |
|---|---|
$606 |
|
$386 |
|
$772 |
|
$781 |
|
$1,914 |
|
$640 |
|
$1,020 |
Hopkinton Car Insurance vs. New York
People living in Hopkinton pay an average of 16.17% less than the typical driver in the state. The average driver in Hopkinton can expect to pay about $1,475 per year, or $2,033 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Hopkinton for most people.
Car Insurance Prices by Hopkinton Neighborhood
Insurance Prices
Where is insurance cheapest within Hopkinton?
The map shows insurance prices in and around Hopkinton, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $2 per year within the city boundaries, with insurance premiums ranging from a high of $2,034 to a low of $2,032. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Northwest parts of Hopkinton.Pick the Best Car Insurance Company for You in Hopkinton
The best car insurance provider for most drivers in Hopkinton
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $606 over the average Hopkinton car insurance company.
The best car insurance provider for Hopkinton 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 $386 over the competition.
The best car insurance company for Hopkinton drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $772 better than other car insurance companies.
The best auto insurance for Hopkinton drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $781 less each year.
The least expensive car insurance company for new and young drivers in Hopkinton
In Hopkinton, Progressive costs young drivers $1,914 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Hopkinton
Progressive gave the largest car insurance discounts to married couples, averaging $640 saved each year compared to an average Hopkinton couple's premiums.
The cheapest car insurance in Hopkinton for drivers with bad credit
The best Hopkinton car insurance company for customer service
Recent price drops
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The cheapest large national provider in Hopkinton
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Hopkinton 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 Hopkinton, 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 Hopkinton
What Influences the Cost of Car Insurance in Hopkinton?
On average, car insurance in Hopkinton 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 Hopkinton is 33 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 Hopkinton 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.
- Hopkinton is one of the most densely populated areas 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 Hopkinton is $123 per month for minimum coverage and $169 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
- Nicholville: Insurance costs 0.15% more
- Lawrenceville: Insurance costs 0.84% more
- Pickettville: Insurance costs 1.72% more
- Parishville: Insurance costs 3.49% more
- North Lawrence: Insurance costs 0.39% more
- Winthrop: Insurance costs 1.52% more
- Parishville Center: Insurance costs 0.15% more
- Dickinson Center: Insurance costs 2.75% more
- St. Regis Falls: Insurance costs 0.84% more
- West Stockholm: Insurance costs 0.89% less
Cities with Similar Populations
- South Rutland: Insurance costs 1.87% more
- Slick Rock: Insurance costs 1.82% more
- Snipesville: Insurance costs 18.74% less
- Soldier: Insurance costs 46.04% less
- South Ashfield: Insurance costs 27.45% less
- South Barre: Insurance costs 24.84% less
- South Bloomfield: Insurance costs 0.10% less
- South Butler: Insurance costs 1.43% more
- South Kingstown: Insurance costs 5.31% more
- Kukuihaele: Insurance costs 31.92% less