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Get Cheap Car Insurance in Lloyd Harbor, NY
We monitor insurance prices, helping the average driver in Lloyd Harbor save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Lloyd Harbor
The chart below shows the cheapest car insurance company in Lloyd Harbor 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.
| Lloyd Harbor Insurer | Monthly Cost |
|---|---|
| Kemper | $91 |
| Plymouth Rock Assurance | $121 |
| Safeco Insurance | $131 |
| Geico | $136 |
Savings for Every Kind of Lloyd Harbor Driver
Based on our extensive insurance data, we know the average Lloyd Harbor 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 $739 per year by choosing the right vehicle insurance company. Some Lloyd Harbor residents are paying out over $2,479 extra every year for auto insurance in Lloyd Harbor. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Lloyd Harbor, NY Savings / Yr. |
|---|---|
$739 |
|
$471 |
|
$941 |
|
$953 |
|
$2,334 |
|
$781 |
|
$1,244 |
Lloyd Harbor Car Insurance vs. New York
People living in Lloyd Harbor pay an average of 2.22% more than the typical driver in the state. The average driver in Lloyd Harbor can expect to pay about $1,798 per year, or $2,479 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Lloyd Harbor for most people.
Car Insurance Prices by Lloyd Harbor Neighborhood
Insurance Prices
Where is insurance cheapest within Lloyd Harbor?
The map shows insurance prices in and around Lloyd Harbor, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $18 per year within the city boundaries, with insurance premiums ranging from a high of $2,486 to a low of $2,468. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northwest parts of Lloyd Harbor.Pick the Best Car Insurance Company for You in Lloyd Harbor
The best car insurance provider for most drivers in Lloyd Harbor
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $739 over the average Lloyd Harbor car insurance company.
The best car insurance provider for Lloyd Harbor 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 $471 over the competition.
The best car insurance company for Lloyd Harbor drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $941 better than other car insurance companies.
The best auto insurance for Lloyd Harbor drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $953 less each year.
The least expensive car insurance company for new and young drivers in Lloyd Harbor
In Lloyd Harbor, Progressive costs young drivers $2,334 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Lloyd Harbor
Progressive gave the largest car insurance discounts to married couples, averaging $781 saved each year compared to an average Lloyd Harbor couple's premiums.
The cheapest car insurance in Lloyd Harbor for drivers with bad credit
The best Lloyd Harbor car insurance company for customer service
Nationwide was the best company for customer service in Lloyd Harbor according to the NAIC.
Recent price drops
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The cheapest large national provider in Lloyd Harbor
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Lloyd Harbor 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 Lloyd Harbor, 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 Lloyd Harbor
What Influences the Cost of Car Insurance in Lloyd Harbor?
On average, car insurance in Lloyd Harbor 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 Lloyd Harbor is 50 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 Lloyd Harbor are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Lloyd Harbor 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 Lloyd Harbor is $150 per month for minimum coverage and $207 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
- Huntington Bay: Insurance costs 5.37% more
- Cove Neck: Insurance costs 6.90% more
- Cold Spring Harbor: Insurance costs 6.25% more
- Centre Island: Insurance costs 6.78% more
- Laurel Hollow: Insurance costs 9.68% more
- Huntington: Insurance costs 8.15% more
- Oyster Bay Cove: Insurance costs 6.13% more
- Centerport: Insurance costs 6.29% more
- Asharoken: Insurance costs 4.03% more
- Oyster Bay: Insurance costs 6.74% more
Cities with Similar Populations
- Arcola: Insurance costs 43.44% less
- Willis: Insurance costs 17.39% more
- Mayville: Insurance costs 19.12% more
- Long Beach: Insurance costs 45.74% less
- Hainesville: Insurance costs 36.83% less
- Gunter: Insurance costs 34.41% less
- Goulding: Insurance costs 10.65% more
- Gardners: Insurance costs 48.69% less
- Clarkton: Insurance costs 46.03% less
- Cottage Hills: Insurance costs 40.66% less