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Get Cheap Car Insurance in Lyell-Otis, Rochester, NY

We monitor insurance prices, helping the average driver in Lyell-Otis save up to 32.6% on car insurance.

 

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The Cheapest Minimum Coverage in Lyell-Otis

The chart below shows the cheapest car insurance company in Lyell-Otis 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.

 
Lyell-Otis Insurer Monthly Cost
Kemper $102
Plymouth Rock Assurance $136
Safeco Insurance $146
Geico $152

Savings for Every Kind of Lyell-Otis Driver

The table shows how much the average auto insurance customer in Lyell-Otis might save by following our recommendations.

Based on our extensive insurance data, we know the average Lyell-Otis 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 $827 per year by choosing the right vehicle insurance company. Some Lyell-Otis residents are paying out over $2,775 extra every year for auto insurance in Lyell-Otis. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Lyell-Otis, Rochester, NY Savings / Yr.
Drivers with good records
$827
Drivers with accidents
$528
Drivers with speeding tickets
$1,054
Drivers with a DUI conviction
$1,067
Young drivers
$2,613
Married drivers
$874
Drivers with bad credit
$1,393

Lyell-Otis Car Insurance vs. Rochester

People living in Lyell-Otis pay an average of 14.44% more than the typical driver in the state. The average driver in Lyell-Otis can expect to pay about $2,013 per year, or $2,775 for full coverage.

Based on our analysis, Kemper will be the cheapest provider in Lyell-Otis for most people.

Car Insurance Prices by Lyell-Otis Neighborhood

Lyell-Otis, Rochester, NY map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Lyell-Otis?

The map shows insurance prices in and around Lyell-Otis, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $960 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,071 to a low of $2,111. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the North parts of Lyell-Otis.

Pick the Best Car Insurance Company for You in Lyell-Otis

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 Lyell-Otis insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Lyell-Otis

For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $827 over the average Lyell-Otis car insurance company.

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We use the average good driver, paying $162 per month, as our baseline for pricing in Lyell-Otis. 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 Lyell-Otis drivers with accidents on their records

In Lyell-Otis getting into an accident will raise premiums an average 5.2% for a yearly cost of $2,929. That's $153 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 $528 over the competition.

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The best car insurance company for Lyell-Otis drivers with speeding tickets

>Kemper gave the average person with a speeding ticket the most savings, averaging $1,054 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 Lyell-Otis, tickets raise premiums on new quotes about $599. If you have a speeding ticket, we recommend Progressive, Kemper, and Plymouth Rock Assurance for savings that beat the average insurance cost of $3,374 per year.

The best auto insurance for Lyell-Otis drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,817 per year in auto insurance premiums, which was $1,041 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 $1,067 less each year.

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The least expensive car insurance company for new and young drivers in Lyell-Otis

In Lyell-Otis, Progressive costs young drivers $2,613 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 Lyell-Otis. With an average cost of $8,177 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 Lyell-Otis

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $95. State Farm, Geico, and Progressive provided the largest discounts to couples living in Lyell-Otis.

Progressive gave the largest car insurance discounts to married couples, averaging $874 saved each year compared to an average Lyell-Otis couple's premiums.

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The cheapest car insurance in Lyell-Otis for drivers with bad credit

People with poor credit saved an average of $1,393 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,761 every year. Premiums for people with poor credit were about $4,537 in Lyell-Otis. 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 Lyell-Otis car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Lyell-Otis, 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 Lyell-Otis.

Nationwide was the best company for customer service in Lyell-Otis 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 Lyell-Otis, 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 Lyell-Otis. 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 Lyell-Otis

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 61% of Lyell-Otis 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 Lyell-Otis 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 Lyell-Otis, 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 Lyell-Otis

What Influences the Cost of Car Insurance in Lyell-Otis?

On average, car insurance in Lyell-Otis 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 Lyell-Otis is 25 minutes, which is a little less than average for a driver in the city.
  • New York state insurance regulations may require higher prices.
  • An average of 11 to 12 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Lyell-Otis 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.
  • Lyell-Otis is one of the most densely populated areas in the state. The neighborhood’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 Lyell-Otis is $168 per month for minimum coverage and $231 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 Lyell-Otis driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Lyell-Otis 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.