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Get Cheap Car Insurance in Northampton, NY
We monitor insurance prices, helping the average driver in Northampton save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Northampton
The chart below shows the cheapest car insurance company in Northampton 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.
| Northampton Insurer | Monthly Cost |
|---|---|
| Kemper | $91 |
| Plymouth Rock Assurance | $121 |
| Safeco Insurance | $131 |
| Geico | $136 |
Savings for Every Kind of Northampton Driver
Based on our extensive insurance data, we know the average Northampton 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 $739 per year by choosing the right vehicle insurance company. Some Northampton residents are paying out over $2,478 extra every year for auto insurance in Northampton. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Northampton, NY Savings / Yr. |
|---|---|
$739 |
|
$471 |
|
$941 |
|
$953 |
|
$2,333 |
|
$781 |
|
$1,244 |
Northampton Car Insurance vs. New York
People living in Northampton pay an average of 2.20% more than the typical driver in the state. The average driver in Northampton can expect to pay about $1,798 per year, or $2,478 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Northampton for most people.
Car Insurance Prices by Northampton Neighborhood
Insurance Prices
Where is insurance cheapest within Northampton?
The map shows insurance prices in and around Northampton, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $22 per year within the city boundaries, with insurance premiums ranging from a high of $2,496 to a low of $2,474. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northwest parts of Northampton.Pick the Best Car Insurance Company for You in Northampton
The best car insurance provider for most drivers in Northampton
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $739 over the average Northampton car insurance company.
The best car insurance provider for Northampton 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 $471 over the competition.
The best car insurance company for Northampton drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $941 better than other car insurance companies.
The best auto insurance for Northampton drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $953 less each year.
The least expensive car insurance company for new and young drivers in Northampton
In Northampton, Progressive costs young drivers $2,333 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Northampton
Progressive gave the largest car insurance discounts to married couples, averaging $781 saved each year compared to an average Northampton couple's premiums.
The cheapest car insurance in Northampton for drivers with bad credit
The best Northampton car insurance company for customer service
Nationwide was the best company for customer service in Northampton according to the NAIC.
Recent price drops
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The cheapest large national provider in Northampton
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Northampton 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 Northampton, 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 Northampton
What Influences the Cost of Car Insurance in Northampton?
On average, car insurance in Northampton 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:
- 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 Northampton are among the lowest 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.
- Northampton 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 Northampton is $150 per month for minimum coverage and $207 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
- Calverton: Insurance costs 0.65% more
- Riverhead: Insurance costs 5.97% more
- Eastport: Insurance costs 2.38% less
- Westhampton: Insurance costs 4.20% less
- Speonk: Insurance costs 4.80% less
- Manorville: Insurance costs 0.48% more
- Remsenburg: Insurance costs 4.88% less
- East Moriches: Insurance costs 1.09% less
- Westhampton Beach: Insurance costs 1.82% less
- Flanders: Insurance costs 2.58% less
Cities with Similar Populations
- Yaquina: Insurance costs 44.43% less
- Womack: Insurance costs 34.87% less
- Wonsevu: Insurance costs 37.85% less
- Woodland: Insurance costs 49.72% less
- Woodland: Insurance costs 28.33% less
- Woodland: Insurance costs 56.42% less
- Woodrow: Insurance costs 31.07% less
- Woodrow: Insurance costs 22.20% less
- Woods: Insurance costs 40.60% less
- Woodstock: Insurance costs 51.21% less