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Get Cheap Car Insurance in Howard Beach, Queens, NY
We monitor insurance prices, helping the average driver in Howard Beach save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Howard Beach
The chart below shows the cheapest car insurance company in Howard Beach 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.
| Howard Beach Insurer | Monthly Cost |
|---|---|
| Kemper | $112 |
| Plymouth Rock Assurance | $149 |
| Safeco Insurance | $160 |
| Geico | $167 |
Savings for Every Kind of Howard Beach Driver
Based on our extensive insurance data, we know the average Howard Beach 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 $906 per year by choosing the right vehicle insurance company. Some Howard Beach residents are paying out over $3,039 extra every year for auto insurance in Howard Beach. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Howard Beach, Queens, NY Savings / Yr. |
|---|---|
$906 |
|
$578 |
|
$1,154 |
|
$1,168 |
|
$2,861 |
|
$957 |
|
$1,525 |
Howard Beach Car Insurance vs. Queens
People living in Howard Beach pay an average of 25.31% more than the typical driver in the state. The average driver in Howard Beach can expect to pay about $2,204 per year, or $3,039 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Howard Beach for most people.
Car Insurance Prices by Howard Beach Neighborhood
Insurance Prices
Where is insurance cheapest within Howard Beach?
The map shows insurance prices in and around Howard Beach, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $941 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,564 to a low of $2,623. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Northeast parts of Howard Beach.Pick the Best Car Insurance Company for You in Howard Beach
The best car insurance provider for most drivers in Howard Beach
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $906 over the average Howard Beach car insurance company.
The best car insurance provider for Howard Beach 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 $578 over the competition.
The best car insurance company for Howard Beach drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,154 better than other car insurance companies.
The best auto insurance for Howard Beach drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,168 less each year.
The least expensive car insurance company for new and young drivers in Howard Beach
In Howard Beach, Progressive costs young drivers $2,861 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Howard Beach
Progressive gave the largest car insurance discounts to married couples, averaging $957 saved each year compared to an average Howard Beach couple's premiums.
The cheapest car insurance in Howard Beach for drivers with bad credit
The best Howard Beach car insurance company for customer service
Nationwide was the best company for customer service in Howard Beach according to the NAIC.
Recent price drops
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The cheapest large national provider in Howard Beach
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Howard Beach 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 Howard Beach, 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 Howard Beach
What Influences the Cost of Car Insurance in Howard Beach?
On average, car insurance in Howard Beach 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 Howard Beach is 54 minutes, which is a little more than average for a driver in the city.
- New York state insurance regulations may require higher prices.
- An average of 6 to 7 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Howard Beach are higher 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.
- Howard Beach is one of the most densely populated areas in the state. The neighborhood’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 Howard Beach is $184 per month for minimum coverage and $253 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
- Ozone Park: Insurance costs 14.45% more
- South Ozone Park: Insurance costs 15.10% more
- East Brooklyn: Insurance costs 16.52% more
- Woodhaven: Insurance costs 14.25% more
- Richmond Hill: Insurance costs 16.45% more
- Broadway Junction: Insurance costs 16.06% more
- Glendale: Insurance costs 5.66% more
- Canarsie: Insurance costs 16.32% more
- Brownsville: Insurance costs 17.64% more
- Locust Manor: Insurance costs 19.35% more
Neighborhoods with Similar Populations
- Boerum Hill: Insurance costs 2.34% more
- Clifton: Insurance costs 3.46% more
- Greater Landover: Insurance costs 20.66% less
- Hazelwood-Mill Park: Insurance costs 36.39% less
- Green Hills: Insurance costs 54.16% less
- Highland Hills: Insurance costs 35.93% less
- Highline: Insurance costs 42.42% less
- Kyle Canyon: Insurance costs 21.22% less
- Logan-Ogontz-Fern Rock: Insurance costs 39.32% less
- North End: Insurance costs 34.12% less