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Get Cheap Car Insurance in Lockwood, NY
We monitor insurance prices, helping the average driver in Lockwood save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Lockwood
The chart below shows the cheapest car insurance company in Lockwood 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.
| Lockwood Insurer | Monthly Cost |
|---|---|
| Kemper | $76 |
| Plymouth Rock Assurance | $101 |
| Safeco Insurance | $109 |
| Geico | $113 |
Savings for Every Kind of Lockwood Driver
Based on our extensive insurance data, we know the average Lockwood 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 $616 per year by choosing the right vehicle insurance company. Some Lockwood residents are paying out over $2,065 extra every year for auto insurance in Lockwood. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Lockwood, NY Savings / Yr. |
|---|---|
$616 |
|
$393 |
|
$784 |
|
$794 |
|
$1,944 |
|
$651 |
|
$1,036 |
Lockwood Car Insurance vs. New York
People living in Lockwood pay an average of 14.83% less than the typical driver in the state. The average driver in Lockwood can expect to pay about $1,498 per year, or $2,065 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Lockwood for most people.
Car Insurance Prices by Lockwood Neighborhood
Insurance Prices
Where is insurance cheapest within Lockwood?
The map shows insurance prices in and around Lockwood, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $104 per year within the city boundaries, with insurance premiums ranging from a high of $2,093 to a low of $1,989. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southwest parts of Lockwood.Pick the Best Car Insurance Company for You in Lockwood
The best car insurance provider for most drivers in Lockwood
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $616 over the average Lockwood car insurance company.
The best car insurance provider for Lockwood 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 $393 over the competition.
The best car insurance company for Lockwood drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $784 better than other car insurance companies.
The best auto insurance for Lockwood drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $794 less each year.
The least expensive car insurance company for new and young drivers in Lockwood
In Lockwood, Progressive costs young drivers $1,944 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Lockwood
Progressive gave the largest car insurance discounts to married couples, averaging $651 saved each year compared to an average Lockwood couple's premiums.
The cheapest car insurance in Lockwood for drivers with bad credit
The best Lockwood car insurance company for customer service
Recent price drops
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The cheapest large national provider in Lockwood
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Lockwood 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 Lockwood, 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 Lockwood
What Influences the Cost of Car Insurance in Lockwood?
On average, car insurance in Lockwood 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 Lockwood is 33 minutes, which is about the national average for a driver in the state.
- New York state insurance regulations may require higher prices.
- An average of 15 to 16 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Lockwood are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Lockwood is one of the most densely populated areas 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 Lockwood is $125 per month for minimum coverage and $172 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
- Glencairn: Insurance costs 2.13% less
- Van Etten: Insurance costs 0.58% more
- Chemung: Insurance costs 2.28% less
- Erin: Insurance costs 1.45% less
- Waverly: Insurance costs 2.37% more
- North Chemung: Insurance costs 0.82% less
- Lowman: Insurance costs 1.99% less
- Barton: Insurance costs 1.74% less
- Spencer: Insurance costs 0.44% less
- South Waverly: Insurance costs 37.48% less
Cities with Similar Populations
- Washburn: Insurance costs 30.31% less
- Calvert: Insurance costs 20.97% less
- Canton: Insurance costs 25.96% less
- Cavines: Insurance costs 16.95% less
- Claridge: Insurance costs 34.04% less
- Coloma: Insurance costs 43.58% less
- Colt: Insurance costs 16.42% less
- Colver: Insurance costs 34.09% less
- Diaz: Insurance costs 17.14% less
- Tonieville: Insurance costs 0.53% more