Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.

Get Cheap Car Insurance in Mount Sinai, NY

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

 

Start Saving

;

The Cheapest Minimum Coverage in Mount Sinai

The chart below shows the cheapest car insurance company in Mount Sinai 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.

 
Mount Sinai Insurer Monthly Cost
Kemper $95
Plymouth Rock Assurance $126
Safeco Insurance $136
Geico $141

Savings for Every Kind of Mount Sinai Driver

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

Based on our extensive insurance data, we know the average Mount Sinai 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 $767 per year by choosing the right vehicle insurance company. Some Mount Sinai residents are paying out over $2,572 extra every year for auto insurance in Mount Sinai. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Mount Sinai, NY Savings / Yr.
Drivers with good records
$767
Drivers with accidents
$489
Drivers with speeding tickets
$977
Drivers with a DUI conviction
$989
Young drivers
$2,422
Married drivers
$810
Drivers with bad credit
$1,291

Mount Sinai Car Insurance vs. New York

People living in Mount Sinai pay an average of 6.08% more than the typical driver in the state. The average driver in Mount Sinai can expect to pay about $1,866 per year, or $2,572 for full coverage.

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

Car Insurance Prices by Mount Sinai Neighborhood

Mount Sinai, NY map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Mount Sinai?

The map shows insurance prices in and around Mount Sinai, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $120 per year within the city boundaries, with insurance premiums ranging from a high of $2,638 to a low of $2,518. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Northwest parts of Mount Sinai.

Pick the Best Car Insurance Company for You in Mount Sinai

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 Mount Sinai insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Mount Sinai

For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $767 over the average Mount Sinai car insurance company.

Visit Site

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

In Mount Sinai getting into an accident will raise premiums an average 5.2% for a yearly cost of $2,715. 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 $489 over the competition.

Visit Site

The best car insurance company for Mount Sinai drivers with speeding tickets

>Kemper gave the average person with a speeding ticket the most savings, averaging $977 better than other car insurance companies.

Visit Site

Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Mount Sinai, tickets raise premiums on new quotes about $555. If you have a speeding ticket, we recommend Progressive, Kemper, and Plymouth Rock Assurance for savings that beat the average insurance cost of $3,127 per year.

The best auto insurance for Mount Sinai drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,538 per year in auto insurance premiums, which was $965 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 $989 less each year.

Visit Site

The least expensive car insurance company for new and young drivers in Mount Sinai

In Mount Sinai, Progressive costs young drivers $2,422 less each year versus the average auto insurance bill.

Visit Site

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 Mount Sinai. With an average cost of $7,579 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 Mount Sinai

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 Mount Sinai.

Progressive gave the largest car insurance discounts to married couples, averaging $810 saved each year compared to an average Mount Sinai couple's premiums.

Visit Site

The cheapest car insurance in Mount Sinai for drivers with bad credit

People with poor credit saved an average of $1,291 with Geico.

Visit Site

Many people are surprised that their poor credit score can cost them an average of $1,633 every year. Premiums for people with poor credit were about $4,205 in Mount Sinai. 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 Mount Sinai car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Mount Sinai, 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 Mount Sinai.

Nationwide was the best company for customer service in Mount Sinai according to the NAIC.

Visit Site

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 Mount Sinai, which was better than other insurers.

Visit Site

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 Mount Sinai. 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 Mount Sinai

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 3.3% of Mount Sinai 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 Mount Sinai driver can expect to pay about $183 per month.

Visit Site

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 Mount Sinai, 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.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Mount Sinai

What Influences the Cost of Car Insurance in Mount Sinai?

On average, car insurance in Mount Sinai 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 Mount Sinai 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 Mount Sinai are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
  • Mount Sinai 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 Mount Sinai 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 Mount Sinai driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Mount Sinai 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.