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Get Cheap Car Insurance in Montezuma, NY
We monitor insurance prices, helping the average driver in Montezuma save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Montezuma
The chart below shows the cheapest car insurance company in Montezuma 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.
| Montezuma Insurer | Monthly Cost |
|---|---|
| Kemper | $75 |
| Plymouth Rock Assurance | $99 |
| Safeco Insurance | $107 |
| Geico | $111 |
Savings for Every Kind of Montezuma Driver
Based on our extensive insurance data, we know the average Montezuma 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 $604 per year by choosing the right vehicle insurance company. Some Montezuma residents are paying out over $2,027 extra every year for auto insurance in Montezuma. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Montezuma, NY Savings / Yr. |
|---|---|
$604 |
|
$385 |
|
$770 |
|
$779 |
|
$1,908 |
|
$638 |
|
$1,017 |
Montezuma Car Insurance vs. New York
People living in Montezuma pay an average of 16.43% less than the typical driver in the state. The average driver in Montezuma can expect to pay about $1,470 per year, or $2,027 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Montezuma for most people.
Car Insurance Prices by Montezuma Neighborhood
Insurance Prices
Where is insurance cheapest within Montezuma?
The map shows insurance prices in and around Montezuma, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $28 per year within the city boundaries, with insurance premiums ranging from a high of $2,029 to a low of $2,001. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northwest parts of Montezuma.Pick the Best Car Insurance Company for You in Montezuma
The best car insurance provider for most drivers in Montezuma
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $604 over the average Montezuma car insurance company.
The best car insurance provider for Montezuma 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 $385 over the competition.
The best car insurance company for Montezuma drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $770 better than other car insurance companies.
The best auto insurance for Montezuma drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $779 less each year.
The least expensive car insurance company for new and young drivers in Montezuma
In Montezuma, Progressive costs young drivers $1,908 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Montezuma
Progressive gave the largest car insurance discounts to married couples, averaging $638 saved each year compared to an average Montezuma couple's premiums.
The cheapest car insurance in Montezuma for drivers with bad credit
The best Montezuma car insurance company for customer service
Recent price drops
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The cheapest large national provider in Montezuma
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Montezuma 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 Montezuma, 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 Montezuma
What Influences the Cost of Car Insurance in Montezuma?
On average, car insurance in Montezuma is actually less expensive than the rest of the state. These low 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 Montezuma is 32 minutes, which is about the national 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 Montezuma are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Montezuma is a fairly densely populated area in the state. The city’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 Montezuma is $123 per month for minimum coverage and $169 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
- Willow Grove: Insurance costs 0.89% more
- Fosterville: Insurance costs 0.64% less
- Port Byron: Insurance costs the same
- Throopsville: Insurance costs 0.64% less
- Tyre: Insurance costs 1.23% less
- Savannah: Insurance costs 1.33% more
- Cayuga: Insurance costs 0.35% more
- Half Acre: Insurance costs 0.59% less
- Spring Lake: Insurance costs 2.32% more
- Weedsport: Insurance costs 0.69% more
Cities with Similar Populations
- South Bethlehem: Insurance costs 5.23% more
- Sisquoc: Insurance costs 8.68% less
- Skykomish: Insurance costs 27.63% less
- Slate Spring: Insurance costs 17.76% less
- Slick Rock: Insurance costs 2.12% more
- Slonikers Mill: Insurance costs 15.29% less
- Small: Insurance costs 36.56% less
- Smolan: Insurance costs 26.25% less
- Soapstone: Insurance costs 39.12% less
- Somerville: Insurance costs 52.29% less