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Get Cheap Car Insurance in Liverpool, NY
We monitor insurance prices, helping the average driver in Liverpool save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Liverpool
The chart below shows the cheapest car insurance company in Liverpool 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.
| Liverpool Insurer | Monthly Cost |
|---|---|
| Kemper | $81 |
| Plymouth Rock Assurance | $108 |
| Safeco Insurance | $116 |
| Geico | $121 |
Savings for Every Kind of Liverpool Driver
Based on our extensive insurance data, we know the average Liverpool 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 $655 per year by choosing the right vehicle insurance company. Some Liverpool residents are paying out over $2,197 extra every year for auto insurance in Liverpool. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Liverpool, NY Savings / Yr. |
|---|---|
$655 |
|
$418 |
|
$835 |
|
$845 |
|
$2,069 |
|
$692 |
|
$1,103 |
Liverpool Car Insurance vs. New York
People living in Liverpool pay an average of 9.38% less than the typical driver in the state. The average driver in Liverpool can expect to pay about $1,594 per year, or $2,197 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Liverpool for most people.
Car Insurance Prices by Liverpool Neighborhood
Insurance Prices
Where is insurance cheapest within Liverpool?
The map shows insurance prices in and around Liverpool, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $358 per year within the city boundaries, with insurance premiums ranging from a high of $2,411 to a low of $2,053. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Southwest parts of Liverpool.Pick the Best Car Insurance Company for You in Liverpool
The best car insurance provider for most drivers in Liverpool
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $655 over the average Liverpool car insurance company.
The best car insurance provider for Liverpool 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 $418 over the competition.
The best car insurance company for Liverpool drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $835 better than other car insurance companies.
The best auto insurance for Liverpool drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $845 less each year.
The least expensive car insurance company for new and young drivers in Liverpool
In Liverpool, Progressive costs young drivers $2,069 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Liverpool
Progressive gave the largest car insurance discounts to married couples, averaging $692 saved each year compared to an average Liverpool couple's premiums.
The cheapest car insurance in Liverpool for drivers with bad credit
The best Liverpool car insurance company for customer service
Recent price drops
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The cheapest large national provider in Liverpool
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Liverpool 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 Liverpool, 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 Liverpool
What Influences the Cost of Car Insurance in Liverpool?
On average, car insurance in Liverpool 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 Liverpool is 24 minutes, which is far less than average for a driver in the state.
- New York state insurance regulations may require higher prices.
- An average of 14 to 15 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Liverpool are among the lowest 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.
- Liverpool is a lightly populated area 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 Liverpool is $133 per month for minimum coverage and $183 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
- Clay: Insurance costs 0.82% less
- North Syracuse: Insurance costs 0.46% less
- Mattydale: Insurance costs 0.32% more
- Warners: Insurance costs 6.42% less
- Solvay: Insurance costs 1.50% more
- Lyncourt: Insurance costs 1.91% more
- Baldwinsville: Insurance costs 3.28% less
- Three Rivers: Insurance costs 3.87% less
- Westvale: Insurance costs 2.69% more
- Fairmount: Insurance costs 0.18% less
Cities with Similar Populations
- Aspen Hill: Insurance costs 3.00% less
- Blacksburg: Insurance costs 46.93% less
- Brookline: Insurance costs 17.61% less
- Galveston: Insurance costs 21.76% less
- Collierville: Insurance costs 34.27% less
- Crown Point: Insurance costs 44.29% less
- Delaware: Insurance costs 48.29% less
- Downers Grove: Insurance costs 29.36% less
- Enid: Insurance costs 23.58% less
- West New York: Insurance costs 16.75% more