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Get Cheap Car Insurance in Locust Valley, NY
We monitor insurance prices, helping the average driver in Locust Valley save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Locust Valley
The chart below shows the cheapest car insurance company in Locust Valley 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.
| Locust Valley Insurer | Monthly Cost |
|---|---|
| Kemper | $97 |
| Plymouth Rock Assurance | $129 |
| Safeco Insurance | $139 |
| Geico | $145 |
Savings for Every Kind of Locust Valley Driver
Based on our extensive insurance data, we know the average Locust Valley 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 $788 per year by choosing the right vehicle insurance company. Some Locust Valley residents are paying out over $2,643 extra every year for auto insurance in Locust Valley. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Locust Valley, NY Savings / Yr. |
|---|---|
$788 |
|
$502 |
|
$1,004 |
|
$1,016 |
|
$2,488 |
|
$833 |
|
$1,326 |
Locust Valley Car Insurance vs. New York
People living in Locust Valley pay an average of 8.97% more than the typical driver in the state. The average driver in Locust Valley can expect to pay about $1,917 per year, or $2,643 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Locust Valley for most people.
Car Insurance Prices by Locust Valley Neighborhood
Insurance Prices
Where is insurance cheapest within Locust Valley?
The map shows insurance prices in and around Locust Valley, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $157 per year within the city boundaries, with insurance premiums ranging from a high of $2,721 to a low of $2,564. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Central parts of Locust Valley.Pick the Best Car Insurance Company for You in Locust Valley
The best car insurance provider for most drivers in Locust Valley
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $788 over the average Locust Valley car insurance company.
The best car insurance provider for Locust Valley 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 $502 over the competition.
The best car insurance company for Locust Valley drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,004 better than other car insurance companies.
The best auto insurance for Locust Valley drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,016 less each year.
The least expensive car insurance company for new and young drivers in Locust Valley
In Locust Valley, Progressive costs young drivers $2,488 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Locust Valley
Progressive gave the largest car insurance discounts to married couples, averaging $833 saved each year compared to an average Locust Valley couple's premiums.
The cheapest car insurance in Locust Valley for drivers with bad credit
The best Locust Valley car insurance company for customer service
Nationwide was the best company for customer service in Locust Valley according to the NAIC.
Recent price drops
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The cheapest large national provider in Locust Valley
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Locust Valley 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 Locust Valley, 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 Locust Valley
What Influences the Cost of Car Insurance in Locust Valley?
On average, car insurance in Locust Valley 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 Locust Valley is 47 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 Locust Valley are higher than 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.
- Locust Valley 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 Locust Valley is $160 per month for minimum coverage and $220 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
- Lattingtown: Insurance costs 0.08% more
- Matinecock: Insurance costs 5.15% less
- Mill Neck: Insurance costs 5.75% less
- Glen Cove: Insurance costs 3.86% more
- Bayville: Insurance costs 0.23% less
- Upper Brookville: Insurance costs 1.48% less
- Old Brookville: Insurance costs 2.50% more
- Oyster Bay: Insurance costs 0.11% more
- Sea Cliff: Insurance costs 1.48% less
- Glen Head: Insurance costs 2.50% more
Cities with Similar Populations
- Roselawn: Insurance costs 53.73% less
- Rio Bravo: Insurance costs 23.99% less
- Rocky Ford: Insurance costs 27.73% less
- Putney: Insurance costs 55.39% less
- Russiaville: Insurance costs 56.00% less
- Russell: Insurance costs 39.95% less
- Rushville: Insurance costs 45.29% less
- Byron: Insurance costs 7.26% more
- Nixon: Insurance costs 35.98% less
- Barre: Insurance costs 42.19% less