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Get Cheap Car Insurance in Mastic Beach, NY

We monitor insurance prices, helping the average driver in Mastic Beach save up to 32.6% on car insurance.

 

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The Cheapest Minimum Coverage in Mastic Beach

The chart below shows the cheapest car insurance company in Mastic Beach 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.

 
Mastic Beach Insurer Monthly Cost
Kemper $94
Plymouth Rock Assurance $126
Safeco Insurance $135
Geico $141

Savings for Every Kind of Mastic Beach Driver

The table shows how much the average auto insurance customer in Mastic Beach might save by following our recommendations.

Based on our extensive insurance data, we know the average Mastic Beach 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 $765 per year by choosing the right vehicle insurance company. Some Mastic Beach residents are paying out over $2,565 extra every year for auto insurance in Mastic Beach. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Mastic Beach, NY Savings / Yr.
Drivers with good records
$765
Drivers with accidents
$488
Drivers with speeding tickets
$974
Drivers with a DUI conviction
$986
Young drivers
$2,414
Married drivers
$808
Drivers with bad credit
$1,287

Mastic Beach Car Insurance vs. New York

People living in Mastic Beach pay an average of 5.76% more than the typical driver in the state. The average driver in Mastic Beach can expect to pay about $1,860 per year, or $2,565 for full coverage.

Based on our analysis, Kemper will be the cheapest provider in Mastic Beach for most people.

Car Insurance Prices by Mastic Beach Neighborhood

Mastic Beach, NY map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Mastic Beach?

The map shows insurance prices in and around Mastic Beach, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $472 per year within the city boundaries, with insurance premiums ranging from a high of $2,893 to a low of $2,421. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Southeast parts of Mastic Beach.

Pick the Best Car Insurance Company for You in Mastic Beach

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 Mastic Beach insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Mastic Beach

For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $765 over the average Mastic Beach car insurance company.

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We use the average good driver, paying $150 per month, as our baseline for pricing in Mastic Beach. 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 Mastic Beach drivers with accidents on their records

In Mastic Beach getting into an accident will raise premiums an average 5.2% for a yearly cost of $2,706. That's $142 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 $488 over the competition.

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The best car insurance company for Mastic Beach drivers with speeding tickets

>Kemper gave the average person with a speeding ticket the most savings, averaging $974 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 Mastic Beach, tickets raise premiums on new quotes about $553. If you have a speeding ticket, we recommend Progressive, Kemper, and Plymouth Rock Assurance for savings that beat the average insurance cost of $3,118 per year.

The best auto insurance for Mastic Beach drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,527 per year in auto insurance premiums, which was $962 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 $986 less each year.

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The least expensive car insurance company for new and young drivers in Mastic Beach

In Mastic Beach, Progressive costs young drivers $2,414 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 Mastic Beach. With an average cost of $7,556 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 Mastic Beach

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $88. State Farm, Geico, and Progressive provided the largest discounts to couples living in Mastic Beach.

Progressive gave the largest car insurance discounts to married couples, averaging $808 saved each year compared to an average Mastic Beach couple's premiums.

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The cheapest car insurance in Mastic Beach for drivers with bad credit

People with poor credit saved an average of $1,287 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,628 every year. Premiums for people with poor credit were about $4,192 in Mastic Beach. 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 Mastic Beach car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Mastic Beach, 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 Mastic Beach.

Nationwide was the best company for customer service in Mastic Beach 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 Mastic Beach, 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 Mastic Beach. 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 Mastic Beach

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 19% of Mastic Beach residents who are renting, and don't plan to be in the city or state 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 Mastic Beach 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 Mastic Beach, 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 Mastic Beach

What Influences the Cost of Car Insurance in Mastic Beach?

On average, car insurance in Mastic Beach 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 Mastic Beach is 46 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 Mastic Beach are lower than 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 A+ according to CrimeGrade.org.
  • Mastic Beach is a lightly populated area 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 Mastic Beach is $155 per month for minimum coverage and $214 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

Cities with Similar Populations

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