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Get Cheap Car Insurance in Melville, NY
We monitor insurance prices, helping the average driver in Melville save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Melville
The chart below shows the cheapest car insurance company in Melville 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.
| Melville Insurer | Monthly Cost |
|---|---|
| Kemper | $96 |
| Plymouth Rock Assurance | $128 |
| Safeco Insurance | $138 |
| Geico | $144 |
Savings for Every Kind of Melville Driver
Based on our extensive insurance data, we know the average Melville 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 $781 per year by choosing the right vehicle insurance company. Some Melville residents are paying out over $2,620 extra every year for auto insurance in Melville. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Melville, NY Savings / Yr. |
|---|---|
$781 |
|
$498 |
|
$995 |
|
$1,007 |
|
$2,466 |
|
$825 |
|
$1,315 |
Melville Car Insurance vs. New York
People living in Melville pay an average of 8.02% more than the typical driver in the state. The average driver in Melville can expect to pay about $1,900 per year, or $2,620 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Melville for most people.
Car Insurance Prices by Melville Neighborhood
Insurance Prices
Where is insurance cheapest within Melville?
The map shows insurance prices in and around Melville, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $590 per year within the city boundaries, with insurance premiums ranging from a high of $3,061 to a low of $2,471. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Southwest parts of Melville.Pick the Best Car Insurance Company for You in Melville
The best car insurance provider for most drivers in Melville
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $781 over the average Melville car insurance company.
The best car insurance provider for Melville 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 $498 over the competition.
The best car insurance company for Melville drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $995 better than other car insurance companies.
The best auto insurance for Melville drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,007 less each year.
The least expensive car insurance company for new and young drivers in Melville
In Melville, Progressive costs young drivers $2,466 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Melville
Progressive gave the largest car insurance discounts to married couples, averaging $825 saved each year compared to an average Melville couple's premiums.
The cheapest car insurance in Melville for drivers with bad credit
The best Melville car insurance company for customer service
Recent price drops
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The cheapest large national provider in Melville
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Melville 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 Melville, 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 Melville
What Influences the Cost of Car Insurance in Melville?
On average, car insurance in Melville 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 Melville is 40 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 Melville are about 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.
- Melville 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 Melville is $158 per month for minimum coverage and $218 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
- South Huntington: Insurance costs 1.30% more
- Old Bethpage: Insurance costs 0.69% more
- Wyandanch: Insurance costs 18.47% more
- Huntington Station: Insurance costs 8.59% more
- Dix Hills: Insurance costs 5.88% more
- Woodbury: Insurance costs 4.54% more
- Plainview: Insurance costs 3.74% more
- East Farmingdale: Insurance costs 7.02% more
- Deer Park: Insurance costs 7.63% more
- Farmingdale: Insurance costs 2.60% more
Cities with Similar Populations
- Ansonia: Insurance costs 19.43% less
- Bull Run: Insurance costs 47.18% less
- Batavia: Insurance costs 15.92% less
- Baldwin: Insurance costs 45.08% less
- Bainbridge: Insurance costs 35.23% less
- Avon: Insurance costs 25.31% less
- Athens: Insurance costs 36.72% less
- Bayou Cane: Insurance costs 12.71% more
- Arcadia: Insurance costs 7.60% less
- Anna: Insurance costs 33.93% less