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Get Cheap Car Insurance in Phillips Creek, NY
We monitor insurance prices, helping the average driver in Phillips Creek save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Phillips Creek
The chart below shows the cheapest car insurance company in Phillips Creek 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.
| Phillips Creek Insurer | Monthly Cost |
|---|---|
| Kemper | $75 |
| Plymouth Rock Assurance | $100 |
| Safeco Insurance | $107 |
| Geico | $112 |
Savings for Every Kind of Phillips Creek Driver
Based on our extensive insurance data, we know the average Phillips Creek 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 $608 per year by choosing the right vehicle insurance company. Some Phillips Creek residents are paying out over $2,041 extra every year for auto insurance in Phillips Creek. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Phillips Creek, NY Savings / Yr. |
|---|---|
$608 |
|
$388 |
|
$775 |
|
$784 |
|
$1,921 |
|
$643 |
|
$1,024 |
Phillips Creek Car Insurance vs. New York
People living in Phillips Creek pay an average of 15.84% less than the typical driver in the state. The average driver in Phillips Creek can expect to pay about $1,480 per year, or $2,041 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Phillips Creek for most people.
Car Insurance Prices by Phillips Creek Neighborhood
Insurance Prices
Where is insurance cheapest within Phillips Creek?
The map shows insurance prices in and around Phillips Creek, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $150 per year within the city boundaries, with insurance premiums ranging from a high of $2,154 to a low of $2,004. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the East parts of Phillips Creek.Pick the Best Car Insurance Company for You in Phillips Creek
The best car insurance provider for most drivers in Phillips Creek
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $608 over the average Phillips Creek car insurance company.
The best car insurance provider for Phillips Creek 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 $388 over the competition.
The best car insurance company for Phillips Creek drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $775 better than other car insurance companies.
The best auto insurance for Phillips Creek drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $784 less each year.
The least expensive car insurance company for new and young drivers in Phillips Creek
In Phillips Creek, Progressive costs young drivers $1,921 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Phillips Creek
Progressive gave the largest car insurance discounts to married couples, averaging $643 saved each year compared to an average Phillips Creek couple's premiums.
The cheapest car insurance in Phillips Creek for drivers with bad credit
The best Phillips Creek car insurance company for customer service
Nationwide was the best company for customer service in Phillips Creek according to the NAIC.
Recent price drops
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The cheapest large national provider in Phillips Creek
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Phillips Creek 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 Phillips Creek, 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 Phillips Creek
What Influences the Cost of Car Insurance in Phillips Creek?
On average, car insurance in Phillips Creek 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 Phillips Creek is 18 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 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Phillips Creek are among the lowest 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.
- Phillips Creek 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 Phillips Creek is $123 per month for minimum coverage and $170 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 Almond: Insurance costs 1.37% less
- Alfred: Insurance costs 1.22% more
- Alfred Station: Insurance costs 0.15% more
- Fulmer Valley: Insurance costs 0.83% less
- Rossburg: Insurance costs 1.67% more
- Scio: Insurance costs 0.88% more
- Belmont: Insurance costs 1.62% more
- Andover: Insurance costs 0.20% more
- Almond: Insurance costs 1.13% less
- Angelica: Insurance costs 0.73% more
Cities with Similar Populations
- St. Francisville: Insurance costs 12.10% less
- Houston: Insurance costs 27.63% less
- Hubbell: Insurance costs 31.21% less
- Keene: Insurance costs 30.62% less
- South Haleyville: Insurance costs 24.15% less
- Sparksville: Insurance costs 41.21% less
- Speed: Insurance costs 22.29% less
- Spelter City: Insurance costs 17.05% less
- Spires: Insurance costs 33.66% less
- Spread: Insurance costs 24.20% less