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Get Cheap Car Insurance in Medford, NY
We monitor insurance prices, helping the average driver in Medford save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Medford
The chart below shows the cheapest car insurance company in Medford 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.
| Medford Insurer | Monthly Cost |
|---|---|
| Kemper | $99 |
| Plymouth Rock Assurance | $131 |
| Safeco Insurance | $141 |
| Geico | $147 |
Savings for Every Kind of Medford Driver
Based on our extensive insurance data, we know the average Medford 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 $800 per year by choosing the right vehicle insurance company. Some Medford residents are paying out over $2,683 extra every year for auto insurance in Medford. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Medford, NY Savings / Yr. |
|---|---|
$800 |
|
$510 |
|
$1,019 |
|
$1,031 |
|
$2,526 |
|
$845 |
|
$1,347 |
Medford Car Insurance vs. New York
People living in Medford pay an average of 10.66% more than the typical driver in the state. The average driver in Medford can expect to pay about $1,946 per year, or $2,683 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Medford for most people.
Car Insurance Prices by Medford Neighborhood
Insurance Prices
Where is insurance cheapest within Medford?
The map shows insurance prices in and around Medford, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $603 per year within the city boundaries, with insurance premiums ranging from a high of $3,063 to a low of $2,460. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the West parts of Medford.Pick the Best Car Insurance Company for You in Medford
The best car insurance provider for most drivers in Medford
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $800 over the average Medford car insurance company.
The best car insurance provider for Medford 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 $510 over the competition.
The best car insurance company for Medford drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,019 better than other car insurance companies.
The best auto insurance for Medford drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,031 less each year.
The least expensive car insurance company for new and young drivers in Medford
In Medford, Progressive costs young drivers $2,526 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Medford
Progressive gave the largest car insurance discounts to married couples, averaging $845 saved each year compared to an average Medford couple's premiums.
The cheapest car insurance in Medford for drivers with bad credit
The best Medford car insurance company for customer service
Recent price drops
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The cheapest large national provider in Medford
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Medford 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 Medford, 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 Medford
What Influences the Cost of Car Insurance in Medford?
On average, car insurance in Medford 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 Medford is 43 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 Medford are lower 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.
- Medford 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 Medford is $162 per month for minimum coverage and $224 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
- Holtsville: Insurance costs 1.68% less
- Farmingville: Insurance costs 1.64% less
- North Bellport: Insurance costs 5.40% more
- North Patchogue: Insurance costs 3.21% less
- East Patchogue: Insurance costs 3.32% less
- Yaphank: Insurance costs 8.65% less
- Coram: Insurance costs 1.23% more
- Selden: Insurance costs 2.05% less
- Patchogue: Insurance costs 2.57% less
- Middle Island: Insurance costs 0.26% more
Cities with Similar Populations
- Dunnellon: Insurance costs 10.14% less
- Vernon Hills: Insurance costs 39.58% less
- Valencia: Insurance costs 17.85% less
- Uniontown: Insurance costs 48.34% less
- Tarpon Springs: Insurance costs 6.45% more
- Ellensburg: Insurance costs 50.24% less
- Elk River: Insurance costs 37.31% less
- El Macero: Insurance costs 25.12% less
- Verona: Insurance costs 59.04% less
- Dickinson: Insurance costs 47.45% less