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 Pine Island, NY
We monitor insurance prices, helping the average driver in Pine Island save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Pine Island
The chart below shows the cheapest car insurance company in Pine Island 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.
| Pine Island Insurer | Monthly Cost |
|---|---|
| Kemper | $87 |
| Plymouth Rock Assurance | $116 |
| Safeco Insurance | $125 |
| Geico | $130 |
Savings for Every Kind of Pine Island Driver
Based on our extensive insurance data, we know the average Pine Island 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 $708 per year by choosing the right vehicle insurance company. Some Pine Island residents are paying out over $2,373 extra every year for auto insurance in Pine Island. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Pine Island, NY Savings / Yr. |
|---|---|
$708 |
|
$451 |
|
$901 |
|
$912 |
|
$2,234 |
|
$748 |
|
$1,191 |
Pine Island Car Insurance vs. New York
People living in Pine Island pay an average of 2.14% less than the typical driver in the state. The average driver in Pine Island can expect to pay about $1,721 per year, or $2,373 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Pine Island for most people.
Car Insurance Prices by Pine Island Neighborhood
Insurance Prices
Where is insurance cheapest within Pine Island?
The map shows insurance prices in and around Pine Island, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $59 per year within the city boundaries, with insurance premiums ranging from a high of $2,413 to a low of $2,354. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northwest parts of Pine Island.Pick the Best Car Insurance Company for You in Pine Island
The best car insurance provider for most drivers in Pine Island
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $708 over the average Pine Island car insurance company.
The best car insurance provider for Pine Island 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 $451 over the competition.
The best car insurance company for Pine Island drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $901 better than other car insurance companies.
The best auto insurance for Pine Island drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $912 less each year.
The least expensive car insurance company for new and young drivers in Pine Island
In Pine Island, Progressive costs young drivers $2,234 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Pine Island
Progressive gave the largest car insurance discounts to married couples, averaging $748 saved each year compared to an average Pine Island couple's premiums.
The cheapest car insurance in Pine Island for drivers with bad credit
The best Pine Island car insurance company for customer service
Nationwide was the best company for customer service in Pine Island 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 Pine Island, which was better than other insurers.
The cheapest large national provider in Pine Island
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Pine Island 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 Pine Island, 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 Pine Island
What Influences the Cost of Car Insurance in Pine Island?
On average, car insurance in Pine Island 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:
- 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 Pine Island 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.
- Pine Island has an average population density 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 Pine Island is $143 per month for minimum coverage and $198 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
- Snufftown: Insurance costs 3.37% less
- Glenwood: Insurance costs 26.59% less
- Westtown: Insurance costs 1.56% less
- Johnson: Insurance costs 1.81% less
- Warwick: Insurance costs 0.84% less
- Vernon: Insurance costs 25.45% less
- Slate Hill: Insurance costs 2.32% less
- Sussex: Insurance costs 25.83% less
- Florida: Insurance costs 1.26% less
- New Hampton: Insurance costs 1.94% less
Cities with Similar Populations
- Lake Waccamaw: Insurance costs 46.52% less
- West Decatur: Insurance costs 43.11% less
- Williamsport: Insurance costs 52.38% less
- Windsor Mills: Insurance costs 52.04% less
- Wood River: Insurance costs 41.89% less
- Woodland: Insurance costs 16.81% more
- Limestone: Insurance costs 29.62% less
- Limestone: Insurance costs 43.32% less
- Wright-Patterson AFB: Insurance costs 52.55% less
- West Bay: Insurance costs 3.08% less