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Get Cheap Car Insurance in Lawtons, NY

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

 

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The Cheapest Minimum Coverage in Lawtons

The chart below shows the cheapest car insurance company in Lawtons 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.

 
Lawtons Insurer Monthly Cost
Kemper $82
Plymouth Rock Assurance $109
Safeco Insurance $117
Geico $122

Savings for Every Kind of Lawtons Driver

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

Based on our extensive insurance data, we know the average Lawtons 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 $661 per year by choosing the right vehicle insurance company. Some Lawtons residents are paying out over $2,217 extra every year for auto insurance in Lawtons. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Lawtons, NY Savings / Yr.
Drivers with good records
$661
Drivers with accidents
$422
Drivers with speeding tickets
$842
Drivers with a DUI conviction
$852
Young drivers
$2,087
Married drivers
$699
Drivers with bad credit
$1,113

Lawtons Car Insurance vs. New York

People living in Lawtons pay an average of 8.57% less than the typical driver in the state. The average driver in Lawtons can expect to pay about $1,608 per year, or $2,217 for full coverage.

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

Car Insurance Prices by Lawtons Neighborhood

Lawtons, NY map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Lawtons?

The map shows insurance prices in and around Lawtons, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $124 per year within the city boundaries, with insurance premiums ranging from a high of $2,301 to a low of $2,177. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southeast parts of Lawtons.

Pick the Best Car Insurance Company for You in Lawtons

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

The best car insurance provider for most drivers in Lawtons

For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $661 over the average Lawtons car insurance company.

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We use the average good driver, paying $130 per month, as our baseline for pricing in Lawtons. 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 Lawtons drivers with accidents on their records

In Lawtons getting into an accident will raise premiums an average 5.2% for a yearly cost of $2,340. That's $123 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 $422 over the competition.

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The best car insurance company for Lawtons drivers with speeding tickets

>Kemper gave the average person with a speeding ticket the most savings, averaging $842 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 Lawtons, tickets raise premiums on new quotes about $478. If you have a speeding ticket, we recommend Progressive, Kemper, and Plymouth Rock Assurance for savings that beat the average insurance cost of $2,696 per year.

The best auto insurance for Lawtons drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,049 per year in auto insurance premiums, which was $832 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 $852 less each year.

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

In Lawtons, Progressive costs young drivers $2,087 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 Lawtons. With an average cost of $6,533 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 Lawtons

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $76. State Farm, Geico, and Progressive provided the largest discounts to couples living in Lawtons.

Progressive gave the largest car insurance discounts to married couples, averaging $699 saved each year compared to an average Lawtons couple's premiums.

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The cheapest car insurance in Lawtons for drivers with bad credit

People with poor credit saved an average of $1,113 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,407 every year. Premiums for people with poor credit were about $3,624 in Lawtons. 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 Lawtons car insurance company for customer service

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

Nationwide was the best company for customer service in Lawtons 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 Lawtons, 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 Lawtons. 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 Lawtons

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 17% of Lawtons residents who are renting, and don't plan to be in the city 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 Lawtons 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 Lawtons, 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 Lawtons

What Influences the Cost of Car Insurance in Lawtons?

On average, car insurance in Lawtons is actually less expensive than the rest of the state. These low 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 Lawtons is 28 minutes, which is a little less 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 Lawtons are lower 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.
  • Lawtons is a fairly densely populated area in the state. The city’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 Lawtons is $134 per month for minimum coverage and $185 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.

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