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Get Cheap Car Insurance in Manhattan, NY
We monitor insurance prices, helping the average driver in Manhattan save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Manhattan
The chart below shows the cheapest car insurance company in Manhattan 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.
| Manhattan Insurer | Monthly Cost |
|---|---|
| Kemper | $117 |
| Plymouth Rock Assurance | $156 |
| Safeco Insurance | $168 |
| Geico | $175 |
Savings for Every Kind of Manhattan Driver
Based on our extensive insurance data, we know the average Manhattan 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 $951 per year by choosing the right vehicle insurance company. Some Manhattan residents are paying out over $3,191 extra every year for auto insurance in Manhattan. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Manhattan, NY Savings / Yr. |
|---|---|
$951 |
|
$607 |
|
$1,212 |
|
$1,226 |
|
$3,004 |
|
$1,005 |
|
$1,601 |
Manhattan Car Insurance vs. New York
People living in Manhattan pay an average of 31.58% more than the typical driver in the state. The average driver in Manhattan can expect to pay about $2,314 per year, or $3,191 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Manhattan for most people.
Car Insurance Prices by Manhattan Neighborhood
Insurance Prices
Where is insurance cheapest within Manhattan?
The map shows insurance prices in and around Manhattan, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $1,194 per year within the city boundaries, with insurance premiums ranging from a high of $3,769 to a low of $2,575. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Central parts of Manhattan.Pick the Best Car Insurance Company for You in Manhattan
The best car insurance provider for most drivers in Manhattan
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $951 over the average Manhattan car insurance company.
The best car insurance provider for Manhattan 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 $607 over the competition.
The best car insurance company for Manhattan drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,212 better than other car insurance companies.
The best auto insurance for Manhattan drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,226 less each year.
The least expensive car insurance company for new and young drivers in Manhattan
In Manhattan, Progressive costs young drivers $3,004 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Manhattan
Progressive gave the largest car insurance discounts to married couples, averaging $1,005 saved each year compared to an average Manhattan couple's premiums.
The cheapest car insurance in Manhattan for drivers with bad credit
The best Manhattan car insurance company for customer service
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The cheapest large national provider in Manhattan
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Manhattan 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 Manhattan, 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 Manhattan
What Influences the Cost of Car Insurance in Manhattan?
On average, car insurance in Manhattan 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 Manhattan is 39 minutes, which is a little more than average for a driver in the state.
- New York state insurance regulations may require higher prices.
- An average of 8 to 9 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Manhattan are among the lowest 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 D+ according to CrimeGrade.org.
- Manhattan 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 Manhattan is $193 per month for minimum coverage and $266 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
- Guttenberg: Insurance costs 21.03% less
- West New York: Insurance costs 19.62% less
- Weehawken: Insurance costs 27.67% less
- North Bergen: Insurance costs 22.88% less
- Edgewater: Insurance costs 25.42% less
- Fairview: Insurance costs 24.04% less
- Cliffside Park: Insurance costs 24.66% less
- Union City: Insurance costs 19.99% less
- Hoboken: Insurance costs 30.87% less
- Ridgefield: Insurance costs 29.68% less
Cities with Similar Populations
- Parker: Insurance costs 38.23% less
- Pembroke Pines: Insurance costs 0.06% less
- Peoria: Insurance costs 40.27% less
- Passaic: Insurance costs 25.07% less
- Peoria: Insurance costs 51.49% less
- Pawtucket: Insurance costs 18.52% less
- Pasadena: Insurance costs 26.61% less
- Perris: Insurance costs 30.30% less
- Pearland: Insurance costs 41.77% less
- Phoenix: Insurance costs 40.08% less