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Get Cheap Car Insurance in Oak Ridge, NY
We monitor insurance prices, helping the average driver in Oak Ridge save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Oak Ridge
The chart below shows the cheapest car insurance company in Oak Ridge 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 Ridge Insurer | Monthly Cost |
|---|---|
| Kemper | $78 |
| Plymouth Rock Assurance | $104 |
| Safeco Insurance | $112 |
| Geico | $116 |
Savings for Every Kind of Oak Ridge Driver
Based on our extensive insurance data, we know the average Oak Ridge 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 $632 per year by choosing the right vehicle insurance company. Some Oak Ridge residents are paying out over $2,119 extra every year for auto insurance in Oak Ridge. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Oak Ridge, NY Savings / Yr. |
|---|---|
$632 |
|
$403 |
|
$805 |
|
$815 |
|
$1,995 |
|
$668 |
|
$1,064 |
Oak Ridge Car Insurance vs. New York
People living in Oak Ridge pay an average of 12.60% less than the typical driver in the state. The average driver in Oak Ridge can expect to pay about $1,537 per year, or $2,119 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Oak Ridge for most people.
Car Insurance Prices by Oak Ridge Neighborhood
Insurance Prices
Where is insurance cheapest within Oak Ridge?
The map shows insurance prices in and around Oak Ridge, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $50 per year within the city boundaries, with insurance premiums ranging from a high of $2,159 to a low of $2,109. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Southeast parts of Oak Ridge.Pick the Best Car Insurance Company for You in Oak Ridge
The best car insurance provider for most drivers in Oak Ridge
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $632 over the average Oak Ridge car insurance company.
The best car insurance provider for Oak Ridge 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 $403 over the competition.
The best car insurance company for Oak Ridge drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $805 better than other car insurance companies.
The best auto insurance for Oak Ridge drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $815 less each year.
The least expensive car insurance company for new and young drivers in Oak Ridge
In Oak Ridge, Progressive costs young drivers $1,995 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Oak Ridge
Progressive gave the largest car insurance discounts to married couples, averaging $668 saved each year compared to an average Oak Ridge couple's premiums.
The cheapest car insurance in Oak Ridge for drivers with bad credit
The best Oak Ridge car insurance company for customer service
Recent price drops
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The cheapest large national provider in Oak Ridge
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Oak Ridge 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 Oak Ridge, 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 Oak Ridge
What Influences the Cost of Car Insurance in Oak Ridge?
On average, car insurance in Oak Ridge 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:
- 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 Ridge are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Oak Ridge 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 Oak Ridge is $128 per month for minimum coverage and $177 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
- Sloansville: Insurance costs 0.19% more
- Esperance: Insurance costs 2.41% more
- Rural Grove: Insurance costs the same
- Lost Valley: Insurance costs 0.76% more
- Central Bridge: Insurance costs 1.04% more
- Sprakers: Insurance costs 0.52% less
- Carlisle: Insurance costs 0.28% more
- Glen: Insurance costs 0.99% less
- Howes Cave: Insurance costs 2.12% more
- Fultonville: Insurance costs 0.66% less
Cities with Similar Populations
- Pullman: Insurance costs 27.32% less
- Pindall: Insurance costs 20.10% less
- Pine Bend: Insurance costs 22.70% less
- Pisgah: Insurance costs 33.46% less
- Pitzer: Insurance costs 38.41% less
- Plain: Insurance costs 36.15% less
- Platt: Insurance costs 6.89% more
- Pooles Crossroad: Insurance costs 26.62% less
- Pope: Insurance costs 28.50% less
- Port Gamble: Insurance costs 33.18% less