Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Patent, NY
We monitor insurance prices, helping the average driver in Patent save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Patent
The chart below shows the cheapest car insurance company in Patent 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.
| Patent Insurer | Monthly Cost |
|---|---|
| Kemper | $80 |
| Plymouth Rock Assurance | $106 |
| Safeco Insurance | $114 |
| Geico | $119 |
Savings for Every Kind of Patent Driver
Based on our extensive insurance data, we know the average Patent 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 $648 per year by choosing the right vehicle insurance company. Some Patent residents are paying out over $2,173 extra every year for auto insurance in Patent. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Patent, NY Savings / Yr. |
|---|---|
$648 |
|
$413 |
|
$825 |
|
$835 |
|
$2,046 |
|
$685 |
|
$1,091 |
Patent Car Insurance vs. New York
People living in Patent pay an average of 10.39% less than the typical driver in the state. The average driver in Patent can expect to pay about $1,576 per year, or $2,173 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Patent for most people.
Car Insurance Prices by Patent Neighborhood
Insurance Prices
Where is insurance cheapest within Patent?
The map shows insurance prices in and around Patent, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $141 per year within the city boundaries, with insurance premiums ranging from a high of $2,233 to a low of $2,092. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the North parts of Patent.Pick the Best Car Insurance Company for You in Patent
The best car insurance provider for most drivers in Patent
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $648 over the average Patent car insurance company.
The best car insurance provider for Patent 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 $413 over the competition.
The best car insurance company for Patent drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $825 better than other car insurance companies.
The best auto insurance for Patent drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $835 less each year.
The least expensive car insurance company for new and young drivers in Patent
In Patent, Progressive costs young drivers $2,046 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Patent
Progressive gave the largest car insurance discounts to married couples, averaging $685 saved each year compared to an average Patent couple's premiums.
The cheapest car insurance in Patent for drivers with bad credit
The best Patent car insurance company for customer service
Recent price drops
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The cheapest large national provider in Patent
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Patent 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 Patent, 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 Patent
What Influences the Cost of Car Insurance in Patent?
On average, car insurance in Patent 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 Patent is 31 minutes, which is about the national average for a driver in the state.
- New York state insurance regulations may require higher prices.
- An average of 11 to 12 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Patent are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Patent is one of the most densely populated areas 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 Patent is $131 per month for minimum coverage and $181 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
- Welcome: Insurance costs 2.76% more
- Hartwick: Insurance costs 2.62% less
- Garrattsville: Insurance costs 2.76% more
- Mount Vision: Insurance costs 0.23% more
- Snowdon: Insurance costs 3.64% less
- West Burlington: Insurance costs 2.30% less
- Burlington Flats: Insurance costs 2.99% less
- Oaksville: Insurance costs 3.50% less
- New Lisbon: Insurance costs 2.67% more
- Edmeston: Insurance costs 0.46% less
Cities with Similar Populations
- Sand Springs: Insurance costs 19.47% less
- Morristown: Insurance costs 18.09% less
- Morton: Insurance costs 31.52% less
- Moscow: Insurance costs 45.14% less
- Motters: Insurance costs 18.64% less
- Mount Blanco: Insurance costs 14.73% less
- Mount Carmel: Insurance costs 32.08% less
- Mount Hood: Insurance costs 35.48% less
- Mount Sterling: Insurance costs 35.25% less
- Mountain Pass: Insurance costs 11.18% less