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Get Cheap Car Insurance in Pelham, NY
We monitor insurance prices, helping the average driver in Pelham save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Pelham
The chart below shows the cheapest car insurance company in Pelham 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.
| Pelham Insurer | Monthly Cost |
|---|---|
| Kemper | $104 |
| Plymouth Rock Assurance | $138 |
| Safeco Insurance | $148 |
| Geico | $155 |
Savings for Every Kind of Pelham Driver
Based on our extensive insurance data, we know the average Pelham 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 $839 per year by choosing the right vehicle insurance company. Some Pelham residents are paying out over $2,816 extra every year for auto insurance in Pelham. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Pelham, NY Savings / Yr. |
|---|---|
$839 |
|
$535 |
|
$1,069 |
|
$1,082 |
|
$2,651 |
|
$887 |
|
$1,413 |
Pelham Car Insurance vs. New York
People living in Pelham pay an average of 16.11% more than the typical driver in the state. The average driver in Pelham can expect to pay about $2,042 per year, or $2,816 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Pelham for most people.
Car Insurance Prices by Pelham Neighborhood
Insurance Prices
Where is insurance cheapest within Pelham?
The map shows insurance prices in and around Pelham, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $646 per year within the city boundaries, with insurance premiums ranging from a high of $3,253 to a low of $2,607. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Southeast parts of Pelham.Pick the Best Car Insurance Company for You in Pelham
The best car insurance provider for most drivers in Pelham
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $839 over the average Pelham car insurance company.
The best car insurance provider for Pelham 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 $535 over the competition.
The best car insurance company for Pelham drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,069 better than other car insurance companies.
The best auto insurance for Pelham drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,082 less each year.
The least expensive car insurance company for new and young drivers in Pelham
In Pelham, Progressive costs young drivers $2,651 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Pelham
Progressive gave the largest car insurance discounts to married couples, averaging $887 saved each year compared to an average Pelham couple's premiums.
The cheapest car insurance in Pelham for drivers with bad credit
The best Pelham car insurance company for customer service
Recent price drops
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The cheapest large national provider in Pelham
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Pelham 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 Pelham, 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 Pelham
What Influences the Cost of Car Insurance in Pelham?
On average, car insurance in Pelham 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:
- The average commute time in Pelham is 44 minutes, which is far more 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 Pelham are higher than average 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 A according to CrimeGrade.org.
- Pelham 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 Pelham is $170 per month for minimum coverage and $235 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
- New Rochelle: Insurance costs 3.69% more
- Pelham Manor: Insurance costs 5.47% less
- Mount Vernon: Insurance costs 14.84% more
- Bronxville: Insurance costs 3.16% less
- Larchmont: Insurance costs 5.54% less
- Tuckahoe: Insurance costs 4.01% less
- Eastchester: Insurance costs 9.16% less
- Yonkers: Insurance costs 8.27% more
- Mamaroneck: Insurance costs 3.23% less
- Scarsdale: Insurance costs 3.84% less
Cities with Similar Populations
- St. Paul Park: Insurance costs 41.73% less
- Greenville: Insurance costs 21.02% less
- Gulf Hills: Insurance costs 38.88% less
- St. Augustine Shores: Insurance costs 16.73% less
- St. Francis: Insurance costs 39.17% less
- St. Francisville: Insurance costs 10.01% more
- St. Helena Island: Insurance costs 41.37% less
- St. James: Insurance costs 36.54% less
- St. Johnsbury: Insurance costs 57.10% less
- St. Joseph: Insurance costs 43.15% less