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Get Cheap Car Insurance in Pembroke, NY
We monitor insurance prices, helping the average driver in Pembroke save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Pembroke
The chart below shows the cheapest car insurance company in Pembroke 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.
| Pembroke Insurer | Monthly Cost |
|---|---|
| Kemper | $83 |
| Plymouth Rock Assurance | $110 |
| Safeco Insurance | $118 |
| Geico | $123 |
Savings for Every Kind of Pembroke Driver
Based on our extensive insurance data, we know the average Pembroke 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 $669 per year by choosing the right vehicle insurance company. Some Pembroke residents are paying out over $2,244 extra every year for auto insurance in Pembroke. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Pembroke, NY Savings / Yr. |
|---|---|
$669 |
|
$427 |
|
$852 |
|
$863 |
|
$2,113 |
|
$707 |
|
$1,126 |
Pembroke Car Insurance vs. New York
People living in Pembroke pay an average of 7.45% less than the typical driver in the state. The average driver in Pembroke can expect to pay about $1,628 per year, or $2,244 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Pembroke for most people.
Car Insurance Prices by Pembroke Neighborhood
Insurance Prices
Where is insurance cheapest within Pembroke?
The map shows insurance prices in and around Pembroke, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $70 per year within the city boundaries, with insurance premiums ranging from a high of $2,292 to a low of $2,222. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Central parts of Pembroke.Pick the Best Car Insurance Company for You in Pembroke
The best car insurance provider for most drivers in Pembroke
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $669 over the average Pembroke car insurance company.
The best car insurance provider for Pembroke 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 $427 over the competition.
The best car insurance company for Pembroke drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $852 better than other car insurance companies.
The best auto insurance for Pembroke drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $863 less each year.
The least expensive car insurance company for new and young drivers in Pembroke
In Pembroke, Progressive costs young drivers $2,113 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Pembroke
Progressive gave the largest car insurance discounts to married couples, averaging $707 saved each year compared to an average Pembroke couple's premiums.
The cheapest car insurance in Pembroke for drivers with bad credit
The best Pembroke car insurance company for customer service
Recent price drops
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The cheapest large national provider in Pembroke
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Pembroke 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 Pembroke, 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 Pembroke
What Influences the Cost of Car Insurance in Pembroke?
On average, car insurance in Pembroke 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 Pembroke 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 18 to 19 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Pembroke are higher than average 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.
- Pembroke 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 Pembroke is $136 per month for minimum coverage and $187 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
- Indian Falls: Insurance costs 0.89% more
- Corfu: Insurance costs 1.43% less
- Crittenden: Insurance costs 1.29% more
- Akron: Insurance costs 2.67% more
- South Newstead: Insurance costs 1.52% more
- Basom: Insurance costs 1.83% more
- Fargo: Insurance costs 0.94% less
- North Pembroke: Insurance costs 3.30% less
- Wheatville: Insurance costs 3.48% less
- South Alabama: Insurance costs 5.35% less
Cities with Similar Populations
- Stockton: Insurance costs 20.19% less
- Flatwoods: Insurance costs 33.02% less
- Fleming: Insurance costs 41.62% less
- Flynn: Insurance costs 25.09% less
- Folsomdale: Insurance costs 0.89% more
- Fort Barnwell: Insurance costs 43.32% less
- Fossil: Insurance costs 37.88% less
- Fountain: Insurance costs 47.99% less
- Franklin: Insurance costs 30.75% less
- Fredonia: Insurance costs 44.03% less