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Get Cheap Car Insurance in Oak Beach, NY

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

 

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The Cheapest Minimum Coverage in Oak Beach

The chart below shows the cheapest car insurance company in Oak Beach 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.

 
Oak Beach Insurer Monthly Cost
Kemper $97
Plymouth Rock Assurance $129
Safeco Insurance $138
Geico $144

Savings for Every Kind of Oak Beach Driver

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

Based on our extensive insurance data, we know the average Oak Beach 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 $782 per year by choosing the right vehicle insurance company. Some Oak Beach residents are paying out over $2,624 extra every year for auto insurance in Oak Beach. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Oak Beach, NY Savings / Yr.
Drivers with good records
$782
Drivers with accidents
$499
Drivers with speeding tickets
$997
Drivers with a DUI conviction
$1,009
Young drivers
$2,471
Married drivers
$827
Drivers with bad credit
$1,317

Oak Beach Car Insurance vs. New York

People living in Oak Beach pay an average of 8.22% more than the typical driver in the state. The average driver in Oak Beach can expect to pay about $1,904 per year, or $2,624 for full coverage.

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

Car Insurance Prices by Oak Beach Neighborhood

Oak Beach, 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 Oak Beach?

The map shows insurance prices in and around Oak Beach, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $51 per year within the city boundaries, with insurance premiums ranging from a high of $2,673 to a low of $2,622. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Central parts of Oak Beach.

Pick the Best Car Insurance Company for You in Oak Beach

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 Oak Beach insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Oak Beach

For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $782 over the average Oak Beach car insurance company.

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We use the average good driver, paying $154 per month, as our baseline for pricing in Oak Beach. 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 Oak Beach drivers with accidents on their records

In Oak Beach getting into an accident will raise premiums an average 5.2% for a yearly cost of $2,769. That's $145 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 $499 over the competition.

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The best car insurance company for Oak Beach drivers with speeding tickets

>Kemper gave the average person with a speeding ticket the most savings, averaging $997 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 Oak Beach, tickets raise premiums on new quotes about $566. If you have a speeding ticket, we recommend Progressive, Kemper, and Plymouth Rock Assurance for savings that beat the average insurance cost of $3,190 per year.

The best auto insurance for Oak Beach drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,609 per year in auto insurance premiums, which was $985 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 $1,009 less each year.

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The least expensive car insurance company for new and young drivers in Oak Beach

In Oak Beach, Progressive costs young drivers $2,471 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 Oak Beach. With an average cost of $7,732 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 Oak Beach

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $90. State Farm, Geico, and Progressive provided the largest discounts to couples living in Oak Beach.

Progressive gave the largest car insurance discounts to married couples, averaging $827 saved each year compared to an average Oak Beach couple's premiums.

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The cheapest car insurance in Oak Beach for drivers with bad credit

People with poor credit saved an average of $1,317 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,665 every year. Premiums for people with poor credit were about $4,290 in Oak Beach. 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 Oak Beach car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Oak Beach, 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 Oak Beach.

Nationwide was the best company for customer service in Oak Beach 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 Oak Beach, 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 Oak Beach. 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 Oak Beach

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 1.00% of Oak Beach 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 Oak Beach 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 Oak Beach, 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 Oak Beach

What Influences the Cost of Car Insurance in Oak Beach?

On average, car insurance in Oak Beach 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 Oak Beach is 41 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 Oak Beach 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.
  • Oak Beach has an average population density 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 Oak Beach is $159 per month for minimum coverage and $219 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

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