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Get Cheap Car Insurance in Lower East Side, Manhattan, NY

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

 

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The Cheapest Minimum Coverage in Lower East Side

The chart below shows the cheapest car insurance company in Lower East Side 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.

 
Lower East Side Insurer Monthly Cost
Kemper $122
Plymouth Rock Assurance $163
Safeco Insurance $175
Geico $183

Savings for Every Kind of Lower East Side Driver

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

Based on our extensive insurance data, we know the average Lower East Side 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 $991 per year by choosing the right vehicle insurance company. Some Lower East Side residents are paying out over $3,325 extra every year for auto insurance in Lower East Side. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Lower East Side, Manhattan, NY Savings / Yr.
Drivers with good records
$991
Drivers with accidents
$632
Drivers with speeding tickets
$1,263
Drivers with a DUI conviction
$1,278
Young drivers
$3,131
Married drivers
$1,048
Drivers with bad credit
$1,669

Lower East Side Car Insurance vs. Manhattan

People living in Lower East Side pay an average of 37.13% more than the typical driver in the state. The average driver in Lower East Side can expect to pay about $2,412 per year, or $3,325 for full coverage.

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

Car Insurance Prices by Lower East Side Neighborhood

Lower East Side, Manhattan, 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 Lower East Side?

The map shows insurance prices in and around Lower East Side, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $779 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,600 to a low of $2,821. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the East parts of Lower East Side.

Pick the Best Car Insurance Company for You in Lower East Side

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 Lower East Side insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Lower East Side

For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $991 over the average Lower East Side car insurance company.

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We use the average good driver, paying $195 per month, as our baseline for pricing in Lower East Side. 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 Lower East Side drivers with accidents on their records

In Lower East Side getting into an accident will raise premiums an average 5.2% for a yearly cost of $3,509. That's $184 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 $632 over the competition.

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The best car insurance company for Lower East Side drivers with speeding tickets

>Kemper gave the average person with a speeding ticket the most savings, averaging $1,263 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 Lower East Side, tickets raise premiums on new quotes about $717. If you have a speeding ticket, we recommend Progressive, Kemper, and Plymouth Rock Assurance for savings that beat the average insurance cost of $4,043 per year.

The best auto insurance for Lower East Side drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $4,573 per year in auto insurance premiums, which was $1,248 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 $1,278 less each year.

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The least expensive car insurance company for new and young drivers in Lower East Side

In Lower East Side, Progressive costs young drivers $3,131 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 Lower East Side. With an average cost of $9,798 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 Lower East Side

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $114. State Farm, Geico, and Progressive provided the largest discounts to couples living in Lower East Side.

Progressive gave the largest car insurance discounts to married couples, averaging $1,048 saved each year compared to an average Lower East Side couple's premiums.

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The cheapest car insurance in Lower East Side for drivers with bad credit

People with poor credit saved an average of $1,669 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $2,110 every year. Premiums for people with poor credit were about $5,436 in Lower East Side. 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 Lower East Side car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Lower East Side, 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 Lower East Side.

Nationwide was the best company for customer service in Lower East Side 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 Lower East Side, 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 Lower East Side. 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 Lower East Side

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 82% of Lower East Side residents who are renting, and don't plan to be in the neighborhood or city 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 Lower East Side 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 Lower East Side, 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 Lower East Side

What Influences the Cost of Car Insurance in Lower East Side?

On average, car insurance in Lower East Side 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 neighborhood are influenced by the following factors:

  • The average commute time in Lower East Side is 41 minutes, which is about the national average for a driver in the city.
  • 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 Lower East Side are about 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 B+ according to CrimeGrade.org.
  • Lower East Side is a lightly populated area in the state. The neighborhood’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 Lower East Side is $201 per month for minimum coverage and $277 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 Neighborhoods

Neighborhoods with Similar Populations

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