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Get Cheap Car Insurance in Ocean Beach, NY
We monitor insurance prices, helping the average driver in Ocean Beach save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Ocean Beach
The chart below shows the cheapest car insurance company in Ocean 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.
| Ocean Beach Insurer | Monthly Cost |
|---|---|
| Kemper | $98 |
| Plymouth Rock Assurance | $130 |
| Safeco Insurance | $140 |
| Geico | $146 |
Savings for Every Kind of Ocean Beach Driver
Based on our extensive insurance data, we know the average Ocean 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 $794 per year by choosing the right vehicle insurance company. Some Ocean Beach residents are paying out over $2,665 extra every year for auto insurance in Ocean Beach. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Ocean Beach, NY Savings / Yr. |
|---|---|
$794 |
|
$507 |
|
$1,012 |
|
$1,024 |
|
$2,509 |
|
$839 |
|
$1,337 |
Ocean Beach Car Insurance vs. New York
People living in Ocean Beach pay an average of 9.88% more than the typical driver in the state. The average driver in Ocean Beach can expect to pay about $1,933 per year, or $2,665 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Ocean Beach for most people.
Car Insurance Prices by Ocean Beach Neighborhood
Insurance Prices
Where is insurance cheapest within Ocean Beach?
The map shows insurance prices in and around Ocean Beach, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $31 per year within the city boundaries, with insurance premiums ranging from a high of $2,673 to a low of $2,642. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the East parts of Ocean Beach.Pick the Best Car Insurance Company for You in Ocean Beach
The best car insurance provider for most drivers in Ocean Beach
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $794 over the average Ocean Beach car insurance company.
The best car insurance provider for Ocean Beach 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 $507 over the competition.
The best car insurance company for Ocean Beach drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,012 better than other car insurance companies.
The best auto insurance for Ocean Beach drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,024 less each year.
The least expensive car insurance company for new and young drivers in Ocean Beach
In Ocean Beach, Progressive costs young drivers $2,509 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Ocean Beach
Progressive gave the largest car insurance discounts to married couples, averaging $839 saved each year compared to an average Ocean Beach couple's premiums.
The cheapest car insurance in Ocean Beach for drivers with bad credit
The best Ocean Beach car insurance company for customer service
Nationwide was the best company for customer service in Ocean Beach according to the NAIC.
Recent price drops
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The cheapest large national provider in Ocean Beach
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Ocean Beach 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 Ocean 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.Auto Insurance Prices in and Around Ocean Beach
What Influences the Cost of Car Insurance in Ocean Beach?
On average, car insurance in Ocean 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:
- 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 Ocean 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 D+ according to CrimeGrade.org.
- Ocean Beach is a lightly populated area 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 Ocean Beach is $161 per month for minimum coverage and $222 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
- Fire Island: Insurance costs 0.08% less
- Saltaire: Insurance costs 0.30% more
- Great River: Insurance costs 8.11% less
- East Islip: Insurance costs 1.24% less
- Oakdale: Insurance costs 3.41% less
- Oak Beach: Insurance costs 1.54% less
- West Sayville: Insurance costs 2.63% less
- Islip: Insurance costs 0.75% more
- Islip Terrace: Insurance costs 0.68% less
- Brightwaters: Insurance costs 2.25% less
Cities with Similar Populations
- Richmond: Insurance costs 18.72% less
- Modale: Insurance costs 54.11% less
- Morgan: Insurance costs 57.75% less
- Neck City: Insurance costs 35.38% less
- Queensville: Insurance costs 55.42% less
- Retreat: Insurance costs 38.84% less
- Revillo: Insurance costs 42.89% less
- Rhineland: Insurance costs 31.78% less
- Rhodes: Insurance costs 37.56% less
- Richfield Center: Insurance costs 60.26% less