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Get Cheap Car Insurance in North Patchogue, NY
We monitor insurance prices, helping the average driver in North Patchogue save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in North Patchogue
The chart below shows the cheapest car insurance company in North Patchogue 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.
| North Patchogue Insurer | Monthly Cost |
|---|---|
| Kemper | $96 |
| Plymouth Rock Assurance | $127 |
| Safeco Insurance | $137 |
| Geico | $143 |
Savings for Every Kind of North Patchogue Driver
Based on our extensive insurance data, we know the average North Patchogue 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 $774 per year by choosing the right vehicle insurance company. Some North Patchogue residents are paying out over $2,597 extra every year for auto insurance in North Patchogue. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
North Patchogue, NY Savings / Yr. |
|---|---|
$774 |
|
$494 |
|
$986 |
|
$998 |
|
$2,445 |
|
$818 |
|
$1,303 |
North Patchogue Car Insurance vs. New York
People living in North Patchogue pay an average of 7.10% more than the typical driver in the state. The average driver in North Patchogue can expect to pay about $1,884 per year, or $2,597 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in North Patchogue for most people.
Car Insurance Prices by North Patchogue Neighborhood
Insurance Prices
Where is insurance cheapest within North Patchogue?
The map shows insurance prices in and around North Patchogue, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $404 per year within the city boundaries, with insurance premiums ranging from a high of $2,823 to a low of $2,419. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Northwest parts of North Patchogue.Pick the Best Car Insurance Company for You in North Patchogue
The best car insurance provider for most drivers in North Patchogue
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $774 over the average North Patchogue car insurance company.
The best car insurance provider for North Patchogue 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 $494 over the competition.
The best car insurance company for North Patchogue drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $986 better than other car insurance companies.
The best auto insurance for North Patchogue drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $998 less each year.
The least expensive car insurance company for new and young drivers in North Patchogue
In North Patchogue, Progressive costs young drivers $2,445 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in North Patchogue
Progressive gave the largest car insurance discounts to married couples, averaging $818 saved each year compared to an average North Patchogue couple's premiums.
The cheapest car insurance in North Patchogue for drivers with bad credit
The best North Patchogue car insurance company for customer service
Nationwide was the best company for customer service in North Patchogue according to the NAIC.
Recent price drops
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The cheapest large national provider in North Patchogue
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average North Patchogue 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 North Patchogue, 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 North Patchogue
What Influences the Cost of Car Insurance in North Patchogue?
On average, car insurance in North Patchogue 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 North Patchogue is 39 minutes, which is a little more than average for a driver in the state.
- New York state insurance regulations may require higher prices.
- An average of 14 to 15 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in North Patchogue are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- North Patchogue 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 North Patchogue is $157 per month for minimum coverage and $216 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
- Patchogue: Insurance costs 0.65% more
- Holtsville: Insurance costs 1.58% more
- East Patchogue: Insurance costs 0.12% less
- Blue Point: Insurance costs 1.54% less
- Holbrook: Insurance costs 1.31% more
- Bayport: Insurance costs 0.39% less
- Medford: Insurance costs 3.31% more
- North Bellport: Insurance costs 8.89% more
- Farmingville: Insurance costs 1.62% more
- Sayville: Insurance costs 0.50% more
Cities with Similar Populations
- Berkeley: Insurance costs 10.28% less
- Walkerton: Insurance costs 54.52% less
- Waite Park: Insurance costs 37.00% less
- Waikoloa: Insurance costs 45.01% less
- Wadesboro: Insurance costs 49.79% less
- Violet: Insurance costs 42.20% more
- Valley Falls: Insurance costs 38.35% less
- Unionville: Insurance costs 24.45% less
- Thousand Palms: Insurance costs 24.34% less
- Blairsville: Insurance costs 47.44% less