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Get Cheap Car Insurance in Islip, NY
We monitor insurance prices, helping the average driver in Islip save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Islip
The chart below shows the cheapest car insurance company in Islip 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.
| Islip Insurer | Monthly Cost |
|---|---|
| Kemper | $99 |
| Plymouth Rock Assurance | $131 |
| Safeco Insurance | $141 |
| Geico | $147 |
Savings for Every Kind of Islip Driver
Based on our extensive insurance data, we know the average Islip 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 $800 per year by choosing the right vehicle insurance company. Some Islip residents are paying out over $2,685 extra every year for auto insurance in Islip. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Islip, NY Savings / Yr. |
|---|---|
$800 |
|
$510 |
|
$1,020 |
|
$1,032 |
|
$2,528 |
|
$846 |
|
$1,347 |
Islip Car Insurance vs. New York
People living in Islip pay an average of 10.71% more than the typical driver in the state. The average driver in Islip can expect to pay about $1,947 per year, or $2,685 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Islip for most people.
Car Insurance Prices by Islip Neighborhood
Insurance Prices
Where is insurance cheapest within Islip?
The map shows insurance prices in and around Islip, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $644 per year within the city boundaries, with insurance premiums ranging from a high of $3,151 to a low of $2,507. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the North parts of Islip.Pick the Best Car Insurance Company for You in Islip
The best car insurance provider for most drivers in Islip
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $800 over the average Islip car insurance company.
The best car insurance provider for Islip 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 $510 over the competition.
The best car insurance company for Islip drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,020 better than other car insurance companies.
The best auto insurance for Islip drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,032 less each year.
The least expensive car insurance company for new and young drivers in Islip
In Islip, Progressive costs young drivers $2,528 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Islip
Progressive gave the largest car insurance discounts to married couples, averaging $846 saved each year compared to an average Islip couple's premiums.
The cheapest car insurance in Islip for drivers with bad credit
The best Islip car insurance company for customer service
Recent price drops
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The cheapest large national provider in Islip
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Islip 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 Islip, 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 Islip
What Influences the Cost of Car Insurance in Islip?
On average, car insurance in Islip 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 city are influenced by the following factors:
- The average commute time in Islip is 38 minutes, which is a little more than average for a driver in the state.
- New York state insurance regulations may require higher prices.
- An average of 3 to 4 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Islip are about 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.
- Islip is one of the least populated areas 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 Islip is $162 per month for minimum coverage and $224 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
- East Islip: Insurance costs 1.97% less
- Islip Terrace: Insurance costs 1.42% less
- Bay Shore: Insurance costs 7.60% more
- Brightwaters: Insurance costs 2.98% less
- North Bay Shore: Insurance costs 13.82% more
- North Great River: Insurance costs 2.20% less
- Great River: Insurance costs 8.79% less
- Brentwood: Insurance costs 13.59% more
- Central Islip: Insurance costs 16.28% more
- Baywood: Insurance costs 7.97% more
Cities with Similar Populations
- Forsyth: Insurance costs 34.56% less
- Dranesville: Insurance costs 52.70% less
- Dubois: Insurance costs 50.58% less
- Dunmore: Insurance costs 48.79% less
- Durham: Insurance costs 53.67% less
- East Bridgewater: Insurance costs 38.70% less
- Eaton: Insurance costs 59.07% less
- Eight Mile: Insurance costs 39.93% less
- Elk City: Insurance costs 35.68% less
- Fair Oaks Ranch: Insurance costs 38.99% less