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Get Cheap Car Insurance in Jackson Heights-ny, Queens, NY

We monitor insurance prices, helping the average driver in Jackson Heights-ny save up to 32.6% on car insurance.

 

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The Cheapest Minimum Coverage in Jackson Heights-ny

The chart below shows the cheapest car insurance company in Jackson Heights-ny 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.

 
Jackson Heights-ny Insurer Monthly Cost
Kemper $129
Plymouth Rock Assurance $172
Safeco Insurance $185
Geico $193

Savings for Every Kind of Jackson Heights-ny Driver

The table shows how much the average auto insurance customer in Jackson Heights-ny might save by following our recommendations.

Based on our extensive insurance data, we know the average Jackson Heights-ny 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 $1,046 per year by choosing the right vehicle insurance company. Some Jackson Heights-ny residents are paying out over $3,509 extra every year for auto insurance in Jackson Heights-ny. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Jackson Heights-ny, Queens, NY Savings / Yr.
Drivers with good records
$1,046
Drivers with accidents
$667
Drivers with speeding tickets
$1,333
Drivers with a DUI conviction
$1,349
Young drivers
$3,303
Married drivers
$1,105
Drivers with bad credit
$1,761

Jackson Heights-ny Car Insurance vs. Queens

People living in Jackson Heights-ny pay an average of 44.69% more than the typical driver in the state. The average driver in Jackson Heights-ny can expect to pay about $2,545 per year, or $3,509 for full coverage.

Based on our analysis, Kemper will be the cheapest provider in Jackson Heights-ny for most people.

Car Insurance Prices by Jackson Heights-ny Neighborhood

Jackson Heights-ny, Queens, NY map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Jackson Heights-ny?

The map shows insurance prices in and around Jackson Heights-ny, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $613 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,791 to a low of $3,178. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Northwest parts of Jackson Heights-ny.

Pick the Best Car Insurance Company for You in Jackson Heights-ny

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 Jackson Heights-ny insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Jackson Heights-ny

For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $1,046 over the average Jackson Heights-ny car insurance company.

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We use the average good driver, paying $205 per month, as our baseline for pricing in Jackson Heights-ny. 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 Jackson Heights-ny drivers with accidents on their records

In Jackson Heights-ny getting into an accident will raise premiums an average 5.2% for a yearly cost of $3,703. That's $194 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 $667 over the competition.

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The best car insurance company for Jackson Heights-ny drivers with speeding tickets

>Kemper gave the average person with a speeding ticket the most savings, averaging $1,333 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 Jackson Heights-ny, tickets raise premiums on new quotes about $757. If you have a speeding ticket, we recommend Progressive, Kemper, and Plymouth Rock Assurance for savings that beat the average insurance cost of $4,265 per year.

The best auto insurance for Jackson Heights-ny drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $4,825 per year in auto insurance premiums, which was $1,317 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 $1,349 less each year.

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The least expensive car insurance company for new and young drivers in Jackson Heights-ny

In Jackson Heights-ny, Progressive costs young drivers $3,303 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 Jackson Heights-ny. With an average cost of $10,338 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 Jackson Heights-ny

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $120. State Farm, Geico, and Progressive provided the largest discounts to couples living in Jackson Heights-ny.

Progressive gave the largest car insurance discounts to married couples, averaging $1,105 saved each year compared to an average Jackson Heights-ny couple's premiums.

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The cheapest car insurance in Jackson Heights-ny for drivers with bad credit

People with poor credit saved an average of $1,761 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $2,227 every year. Premiums for people with poor credit were about $5,736 in Jackson Heights-ny. 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 Jackson Heights-ny car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Jackson Heights-ny, 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 Jackson Heights-ny.

Nationwide was the best company for customer service in Jackson Heights-ny 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 Jackson Heights-ny, 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 Jackson Heights-ny. 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 Jackson Heights-ny

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 61% of Jackson Heights-ny residents who are renting, and don't plan to be in the neighborhood or city 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 Jackson Heights-ny 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 Jackson Heights-ny, 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 Jackson Heights-ny

What Influences the Cost of Car Insurance in Jackson Heights-ny?

On average, car insurance in Jackson Heights-ny 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 Jackson Heights-ny is 53 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 15 to 16 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Jackson Heights-ny are higher than 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.
  • Jackson Heights-ny is a fairly densely populated area 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 Jackson Heights-ny is $212 per month for minimum coverage and $292 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

Neighborhoods with Similar Populations

* Who is the average Jackson Heights-ny driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Jackson Heights-ny 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.