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 Payne Beach, NY
We monitor insurance prices, helping the average driver in Payne Beach save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Payne Beach
The chart below shows the cheapest car insurance company in Payne 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.
| Payne Beach Insurer | Monthly Cost |
|---|---|
| Kemper | $84 |
| Plymouth Rock Assurance | $112 |
| Safeco Insurance | $120 |
| Geico | $126 |
Savings for Every Kind of Payne Beach Driver
Based on our extensive insurance data, we know the average Payne 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 $681 per year by choosing the right vehicle insurance company. Some Payne Beach residents are paying out over $2,285 extra every year for auto insurance in Payne Beach. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Payne Beach, NY Savings / Yr. |
|---|---|
$681 |
|
$434 |
|
$868 |
|
$878 |
|
$2,151 |
|
$720 |
|
$1,147 |
Payne Beach Car Insurance vs. New York
People living in Payne Beach pay an average of 5.78% less than the typical driver in the state. The average driver in Payne Beach can expect to pay about $1,657 per year, or $2,285 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Payne Beach for most people.
Car Insurance Prices by Payne Beach Neighborhood
Insurance Prices
Where is insurance cheapest within Payne Beach?
The map shows insurance prices in and around Payne Beach, 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 $2,444 to a low of $1,998. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Payne Beach.Pick the Best Car Insurance Company for You in Payne Beach
The best car insurance provider for most drivers in Payne Beach
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $681 over the average Payne Beach car insurance company.
The best car insurance provider for Payne 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 $434 over the competition.
The best car insurance company for Payne Beach drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $868 better than other car insurance companies.
The best auto insurance for Payne Beach drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $878 less each year.
The least expensive car insurance company for new and young drivers in Payne Beach
In Payne Beach, Progressive costs young drivers $2,151 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Payne Beach
Progressive gave the largest car insurance discounts to married couples, averaging $720 saved each year compared to an average Payne Beach couple's premiums.
The cheapest car insurance in Payne Beach for drivers with bad credit
The best Payne Beach car insurance company for customer service
Nationwide was the best company for customer service in Payne Beach according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Payne Beach, which was better than other insurers.
The cheapest large national provider in Payne Beach
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Payne 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 Payne 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 Payne Beach
What Influences the Cost of Car Insurance in Payne Beach?
On average, car insurance in Payne Beach 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 Payne Beach is 29 minutes, which is a little less 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 Payne Beach are among the highest 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.
- Payne Beach is one of the least populated areas 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 Payne Beach is $138 per month for minimum coverage and $190 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
- Hilton: Insurance costs 4.29% less
- Parma Center: Insurance costs 10.15% less
- Walker: Insurance costs 10.50% less
- Clarkson: Insurance costs 8.71% less
- Parma Corners: Insurance costs 10.77% less
- Greece: Insurance costs 4.16% less
- South Greece: Insurance costs 11.20% less
- Garland: Insurance costs 10.24% less
- Hamlin: Insurance costs 9.76% less
- Spencerport: Insurance costs 10.42% less
Cities with Similar Populations
- West Days: Insurance costs 23.89% less
- Gainsboro: Insurance costs 27.48% less
- Ganges: Insurance costs 21.18% more
- Gardenville: Insurance costs 22.36% more
- Gary: Insurance costs 32.08% less
- Gayville: Insurance costs 33.52% less
- Geeville: Insurance costs 28.93% less
- Geuda Springs: Insurance costs 32.95% less
- Westland: Insurance costs 49.45% less
- Westernville: Insurance costs 9.28% less