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Get Cheap Car Insurance in Lake Grove, NY
We monitor insurance prices, helping the average driver in Lake Grove save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Lake Grove
The chart below shows the cheapest car insurance company in Lake Grove 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.
| Lake Grove Insurer | Monthly Cost |
|---|---|
| Kemper | $98 |
| Plymouth Rock Assurance | $131 |
| Safeco Insurance | $141 |
| Geico | $147 |
Savings for Every Kind of Lake Grove Driver
Based on our extensive insurance data, we know the average Lake Grove 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 $795 per year by choosing the right vehicle insurance company. Some Lake Grove residents are paying out over $2,667 extra every year for auto insurance in Lake Grove. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Lake Grove, NY Savings / Yr. |
|---|---|
$795 |
|
$507 |
|
$1,013 |
|
$1,025 |
|
$2,511 |
|
$840 |
|
$1,338 |
Lake Grove Car Insurance vs. New York
People living in Lake Grove pay an average of 9.98% more than the typical driver in the state. The average driver in Lake Grove can expect to pay about $1,935 per year, or $2,667 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Lake Grove for most people.
Car Insurance Prices by Lake Grove Neighborhood
Insurance Prices
Where is insurance cheapest within Lake Grove?
The map shows insurance prices in and around Lake Grove, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $132 per year within the city boundaries, with insurance premiums ranging from a high of $2,719 to a low of $2,587. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the South parts of Lake Grove.Pick the Best Car Insurance Company for You in Lake Grove
The best car insurance provider for most drivers in Lake Grove
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $795 over the average Lake Grove car insurance company.
The best car insurance provider for Lake Grove 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 $507 over the competition.
The best car insurance company for Lake Grove drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,013 better than other car insurance companies.
The best auto insurance for Lake Grove drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,025 less each year.
The least expensive car insurance company for new and young drivers in Lake Grove
In Lake Grove, Progressive costs young drivers $2,511 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Lake Grove
Progressive gave the largest car insurance discounts to married couples, averaging $840 saved each year compared to an average Lake Grove couple's premiums.
The cheapest car insurance in Lake Grove for drivers with bad credit
The best Lake Grove car insurance company for customer service
Nationwide was the best company for customer service in Lake Grove according to the NAIC.
Recent price drops
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The cheapest large national provider in Lake Grove
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Lake Grove 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 Lake Grove, 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 Lake Grove
What Influences the Cost of Car Insurance in Lake Grove?
On average, car insurance in Lake Grove 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 Lake Grove is 44 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 3 to 4 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Lake Grove are about 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.
- Lake Grove 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 Lake Grove is $161 per month for minimum coverage and $222 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
- Nesconset: Insurance costs 1.20% less
- Centereach: Insurance costs 1.09% less
- Lake Ronkonkoma: Insurance costs 0.90% more
- St. James: Insurance costs 3.07% less
- Ronkonkoma: Insurance costs 0.37% more
- Stony Brook University: Insurance costs 11.74% more
- Stony Brook: Insurance costs 1.61% more
- Village of the Branch: Insurance costs 0.22% less
- Head of the Harbor: Insurance costs 3.34% less
- Selden: Insurance costs 1.46% less
Cities with Similar Populations
- New Market: Insurance costs 41.88% less
- Mount Vernon: Insurance costs 55.42% less
- Mount Vernon: Insurance costs 49.87% less
- Murphysboro: Insurance costs 43.57% less
- Nanakuli: Insurance costs 46.04% less
- Nantucket: Insurance costs 42.56% less
- Napoleon: Insurance costs 60.55% less
- Nappanee: Insurance costs 56.73% less
- New Haven: Insurance costs 13.80% more
- New Kingman-Butler: Insurance costs 35.43% less