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Get Cheap Car Insurance in Kings County, NY

We monitor insurance prices, helping the average driver in Kings County save up to 32.6% on car insurance.

 

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The Cheapest Minimum Coverage in Kings County

The chart below shows the cheapest car insurance company in Kings County 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.

 
Kings County Insurer Monthly Cost
Kemper $123
Plymouth Rock Assurance $164
Safeco Insurance $176
Geico $184

Savings for Every Kind of Kings County Driver

The table shows how much the average auto insurance customer in Kings County might save by following our recommendations.

Based on our extensive insurance data, we know the average Kings County 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 $996 per year by choosing the right vehicle insurance company. Some Kings County residents are paying out over $3,342 extra every year for auto insurance in Kings County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Kings County, NY Savings / Yr.
Drivers with good records
$996
Drivers with accidents
$635
Drivers with speeding tickets
$1,269
Drivers with a DUI conviction
$1,285
Young drivers
$3,147
Married drivers
$1,053
Drivers with bad credit
$1,677

Kings County Car Insurance vs. New York

People living in Kings County pay an average of 37.82% more than the typical driver in the state. The average driver in Kings County can expect to pay about $2,424 per year, or $3,342 for full coverage.

Based on our analysis, Kemper will be the cheapest provider in Kings County for most people.

Car Insurance Prices by Kings County Neighborhood

Kings County, NY map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
Less expensive

Where is insurance cheapest within Kings County?

The map shows insurance prices in and around Kings County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $1,540 per year within the county boundaries, with insurance premiums ranging from a high of $3,969 to a low of $2,429. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northwest parts of Kings County.

Pick the Best Car Insurance Company for You in Kings County

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 Kings County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Kings County

For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $996 over the average Kings County car insurance company.

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We use the average good driver, paying $196 per month, as our baseline for pricing in Kings County. 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 Kings County drivers with accidents on their records

In Kings County getting into an accident will raise premiums an average 5.2% for a yearly cost of $3,527. That's $185 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 $635 over the competition.

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The best car insurance company for Kings County drivers with speeding tickets

>Kemper gave the average person with a speeding ticket the most savings, averaging $1,269 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 Kings County, tickets raise premiums on new quotes about $721. If you have a speeding ticket, we recommend Progressive, Kemper, and Plymouth Rock Assurance for savings that beat the average insurance cost of $4,063 per year.

The best auto insurance for Kings County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $4,596 per year in auto insurance premiums, which was $1,254 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 $1,285 less each year.

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The least expensive car insurance company for new and young drivers in Kings County

In Kings County, Progressive costs young drivers $3,147 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 Kings County. With an average cost of $9,848 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 Kings County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $114. State Farm, Geico, and Progressive provided the largest discounts to couples living in Kings County.

Progressive gave the largest car insurance discounts to married couples, averaging $1,053 saved each year compared to an average Kings County couple's premiums.

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The cheapest car insurance in Kings County for drivers with bad credit

People with poor credit saved an average of $1,677 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $2,121 every year. Premiums for people with poor credit were about $5,463 in Kings County. 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 Kings County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Kings County, 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 Kings County.

Nationwide was the best company for customer service in Kings County 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 Kings County, 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 Kings County. 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 Kings County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 68% of Kings County residents who are renting, and don't plan to be in the county or state 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 Kings County 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 Kings County, 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 Kings County

What Influences the Cost of Car Insurance in Kings County?

On average, car insurance in Kings County 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 county are influenced by the following factors:

  • The average commute time in Kings County is 54 minutes, which is far more than 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 Kings County are among the lowest 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.
  • Kings County is one of the least populated areas in the state. The county’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 Kings County is $202 per month for minimum coverage and $279 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 Counties

Counties with Similar Populations

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