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Get Cheap Car Insurance in New Paltz, NY

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

 

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The Cheapest Minimum Coverage in New Paltz

The chart below shows the cheapest car insurance company in New Paltz 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.

 
New Paltz Insurer Monthly Cost
Kemper $85
Plymouth Rock Assurance $114
Safeco Insurance $122
Geico $127

Savings for Every Kind of New Paltz Driver

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

Based on our extensive insurance data, we know the average New Paltz 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 $691 per year by choosing the right vehicle insurance company. Some New Paltz residents are paying out over $2,319 extra every year for auto insurance in New Paltz. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
New Paltz, NY Savings / Yr.
Drivers with good records
$691
Drivers with accidents
$441
Drivers with speeding tickets
$881
Drivers with a DUI conviction
$891
Young drivers
$2,183
Married drivers
$731
Drivers with bad credit
$1,164

New Paltz Car Insurance vs. New York

People living in New Paltz pay an average of 4.37% less than the typical driver in the state. The average driver in New Paltz can expect to pay about $1,682 per year, or $2,319 for full coverage.

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

Car Insurance Prices by New Paltz Neighborhood

New Paltz, NY map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within New Paltz?

The map shows insurance prices in and around New Paltz, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $280 per year within the city boundaries, with insurance premiums ranging from a high of $2,500 to a low of $2,220. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Central parts of New Paltz.

Pick the Best Car Insurance Company for You in New Paltz

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 New Paltz insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in New Paltz

For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $691 over the average New Paltz car insurance company.

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We use the average good driver, paying $136 per month, as our baseline for pricing in New Paltz. 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 New Paltz drivers with accidents on their records

In New Paltz getting into an accident will raise premiums an average 5.2% for a yearly cost of $2,447. That's $128 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 $441 over the competition.

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The best car insurance company for New Paltz drivers with speeding tickets

>Kemper gave the average person with a speeding ticket the most savings, averaging $881 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 New Paltz, tickets raise premiums on new quotes about $500. If you have a speeding ticket, we recommend Progressive, Kemper, and Plymouth Rock Assurance for savings that beat the average insurance cost of $2,819 per year.

The best auto insurance for New Paltz drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,189 per year in auto insurance premiums, which was $870 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 $891 less each year.

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The least expensive car insurance company for new and young drivers in New Paltz

In New Paltz, Progressive costs young drivers $2,183 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 New Paltz. With an average cost of $6,833 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 New Paltz

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $79. State Farm, Geico, and Progressive provided the largest discounts to couples living in New Paltz.

Progressive gave the largest car insurance discounts to married couples, averaging $731 saved each year compared to an average New Paltz couple's premiums.

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The cheapest car insurance in New Paltz for drivers with bad credit

People with poor credit saved an average of $1,164 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,472 every year. Premiums for people with poor credit were about $3,791 in New Paltz. 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 New Paltz car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In New Paltz, 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 New Paltz.

Nationwide was the best company for customer service in New Paltz 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 New Paltz, 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 New Paltz. 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 New Paltz

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 46% of New Paltz 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 New Paltz 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 New Paltz, 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 New Paltz

What Influences the Cost of Car Insurance in New Paltz?

On average, car insurance in New Paltz 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 New Paltz 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 New Paltz are among the lowest 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.
  • New Paltz has an average population density 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 New Paltz is $140 per month for minimum coverage and $193 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 New Paltz driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central New Paltz 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.