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Get Cheap Car Insurance in Oneonta, NY
We monitor insurance prices, helping the average driver in Oneonta save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Oneonta
The chart below shows the cheapest car insurance company in Oneonta 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.
| Oneonta Insurer | Monthly Cost |
|---|---|
| Kemper | $81 |
| Plymouth Rock Assurance | $108 |
| Safeco Insurance | $116 |
| Geico | $121 |
Savings for Every Kind of Oneonta Driver
Based on our extensive insurance data, we know the average Oneonta 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 $658 per year by choosing the right vehicle insurance company. Some Oneonta residents are paying out over $2,208 extra every year for auto insurance in Oneonta. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Oneonta, NY Savings / Yr. |
|---|---|
$658 |
|
$420 |
|
$838 |
|
$848 |
|
$2,078 |
|
$695 |
|
$1,108 |
Oneonta Car Insurance vs. New York
People living in Oneonta pay an average of 8.97% less than the typical driver in the state. The average driver in Oneonta can expect to pay about $1,601 per year, or $2,208 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Oneonta for most people.
Car Insurance Prices by Oneonta Neighborhood
Insurance Prices
Where is insurance cheapest within Oneonta?
The map shows insurance prices in and around Oneonta, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $446 per year within the city boundaries, with insurance premiums ranging from a high of $2,496 to a low of $2,050. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the South parts of Oneonta.Pick the Best Car Insurance Company for You in Oneonta
The best car insurance provider for most drivers in Oneonta
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $658 over the average Oneonta car insurance company.
The best car insurance provider for Oneonta 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 $420 over the competition.
The best car insurance company for Oneonta drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $838 better than other car insurance companies.
The best auto insurance for Oneonta drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $848 less each year.
The least expensive car insurance company for new and young drivers in Oneonta
In Oneonta, Progressive costs young drivers $2,078 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Oneonta
Progressive gave the largest car insurance discounts to married couples, averaging $695 saved each year compared to an average Oneonta couple's premiums.
The cheapest car insurance in Oneonta for drivers with bad credit
The best Oneonta car insurance company for customer service
Recent price drops
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The cheapest large national provider in Oneonta
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Oneonta 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 Oneonta, 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 Oneonta
What Influences the Cost of Car Insurance in Oneonta?
On average, car insurance in Oneonta 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:
- The average commute time in Oneonta is 21 minutes, which is far less 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 Oneonta are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Oneonta 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 Oneonta is $133 per month for minimum coverage and $184 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
- West End: Insurance costs 0.86% less
- West Oneonta: Insurance costs 4.03% less
- Colliersville: Insurance costs 3.94% less
- North Franklin: Insurance costs 2.04% less
- West Davenport: Insurance costs 5.16% less
- Milford Center: Insurance costs 1.72% less
- Treadwell: Insurance costs 3.44% less
- Cooperstown Junction: Insurance costs 2.31% less
- Laurens: Insurance costs 4.80% less
- Otego: Insurance costs 0.72% less
Cities with Similar Populations
- Newington: Insurance costs 38.63% less
- Old Jamestown: Insurance costs 0.45% less
- Okatie: Insurance costs 27.54% less
- North Canton: Insurance costs 51.59% less
- North Babylon: Insurance costs 22.42% more
- North Aurora: Insurance costs 28.85% less
- Newton: Insurance costs 29.44% less
- Newton: Insurance costs 44.38% less
- Newton Center: Insurance costs 25.14% less
- Newport: Insurance costs 46.60% less