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Get Cheap Car Insurance in Niagara County, NY

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

 

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The Cheapest Minimum Coverage in Niagara County

The chart below shows the cheapest car insurance company in Niagara County 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.

 
Niagara County Insurer Monthly Cost
Kemper $86
Plymouth Rock Assurance $114
Safeco Insurance $123
Geico $128

Savings for Every Kind of Niagara County Driver

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

Based on our extensive insurance data, we know the average Niagara County 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 $695 per year by choosing the right vehicle insurance company. Some Niagara County residents are paying out over $2,330 extra every year for auto insurance in Niagara County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Niagara County, NY Savings / Yr.
Drivers with good records
$695
Drivers with accidents
$443
Drivers with speeding tickets
$885
Drivers with a DUI conviction
$896
Young drivers
$2,194
Married drivers
$734
Drivers with bad credit
$1,169

Niagara County Car Insurance vs. New York

People living in Niagara County pay an average of 3.91% less than the typical driver in the state. The average driver in Niagara County can expect to pay about $1,690 per year, or $2,330 for full coverage.

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

Car Insurance Prices by Niagara County Neighborhood

Niagara County, 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 Niagara County?

The map shows insurance prices in and around Niagara County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $859 per year within the county boundaries, with insurance premiums ranging from a high of $2,967 to a low of $2,108. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Southeast parts of Niagara County.

Pick the Best Car Insurance Company for You in Niagara County

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 Niagara County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Niagara County

For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $695 over the average Niagara County car insurance company.

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

In Niagara County getting into an accident will raise premiums an average 5.2% for a yearly cost of $2,459. That's $129 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 $443 over the competition.

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The best car insurance company for Niagara County drivers with speeding tickets

>Kemper gave the average person with a speeding ticket the most savings, averaging $885 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 Niagara County, tickets raise premiums on new quotes about $503. If you have a speeding ticket, we recommend Progressive, Kemper, and Plymouth Rock Assurance for savings that beat the average insurance cost of $2,833 per year.

The best auto insurance for Niagara County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,205 per year in auto insurance premiums, which was $874 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 $896 less each year.

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The least expensive car insurance company for new and young drivers in Niagara County

In Niagara County, Progressive costs young drivers $2,194 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 Niagara County. With an average cost of $6,866 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 Niagara County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $80. State Farm, Geico, and Progressive provided the largest discounts to couples living in Niagara County.

Progressive gave the largest car insurance discounts to married couples, averaging $734 saved each year compared to an average Niagara County couple's premiums.

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The cheapest car insurance in Niagara County for drivers with bad credit

People with poor credit saved an average of $1,169 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,479 every year. Premiums for people with poor credit were about $3,809 in Niagara County. 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 Niagara County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Niagara County, 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 Niagara County.

Nationwide was the best company for customer service in Niagara County 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 Niagara County, 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 Niagara County. 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 Niagara County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 27% of Niagara County residents who are renting, and don't plan to be in the county 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 Niagara County 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 Niagara County, 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 Niagara County

What Influences the Cost of Car Insurance in Niagara County?

On average, car insurance in Niagara County 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 county are influenced by the following factors:

  • The average commute time in Niagara County is 27 minutes, which is a little less than average for a driver in the state.
  • New York state insurance regulations may require higher prices.
  • An average of 15 to 16 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Niagara County are about average 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.
  • Niagara County is a lightly populated area in the state. The county’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 Niagara County is $141 per month for minimum coverage and $194 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 Counties

Counties with Similar Populations

* Who is the average Niagara County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Niagara County 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.