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Get Cheap Car Insurance in Port Jefferson, NY
We monitor insurance prices, helping the average driver in Port Jefferson save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Port Jefferson
The chart below shows the cheapest car insurance company in Port Jefferson 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.
| Port Jefferson Insurer | Monthly Cost |
|---|---|
| Kemper | $94 |
| Plymouth Rock Assurance | $125 |
| Safeco Insurance | $135 |
| Geico | $141 |
Savings for Every Kind of Port Jefferson Driver
Based on our extensive insurance data, we know the average Port Jefferson 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 $764 per year by choosing the right vehicle insurance company. Some Port Jefferson residents are paying out over $2,562 extra every year for auto insurance in Port Jefferson. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Port Jefferson, NY Savings / Yr. |
|---|---|
$764 |
|
$487 |
|
$973 |
|
$985 |
|
$2,412 |
|
$807 |
|
$1,286 |
Port Jefferson Car Insurance vs. New York
People living in Port Jefferson pay an average of 5.64% more than the typical driver in the state. The average driver in Port Jefferson can expect to pay about $1,858 per year, or $2,562 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Port Jefferson for most people.
Car Insurance Prices by Port Jefferson Neighborhood
Insurance Prices
Where is insurance cheapest within Port Jefferson?
The map shows insurance prices in and around Port Jefferson, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $187 per year within the city boundaries, with insurance premiums ranging from a high of $2,654 to a low of $2,467. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Central parts of Port Jefferson.Pick the Best Car Insurance Company for You in Port Jefferson
The best car insurance provider for most drivers in Port Jefferson
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $764 over the average Port Jefferson car insurance company.
The best car insurance provider for Port Jefferson 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 $487 over the competition.
The best car insurance company for Port Jefferson drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $973 better than other car insurance companies.
The best auto insurance for Port Jefferson drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $985 less each year.
The least expensive car insurance company for new and young drivers in Port Jefferson
In Port Jefferson, Progressive costs young drivers $2,412 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Port Jefferson
Progressive gave the largest car insurance discounts to married couples, averaging $807 saved each year compared to an average Port Jefferson couple's premiums.
The cheapest car insurance in Port Jefferson for drivers with bad credit
The best Port Jefferson car insurance company for customer service
Nationwide was the best company for customer service in Port Jefferson according to the NAIC.
Recent price drops
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The cheapest large national provider in Port Jefferson
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Port Jefferson 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 Port Jefferson, 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 Port Jefferson
What Influences the Cost of Car Insurance in Port Jefferson?
On average, car insurance in Port Jefferson 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 Port Jefferson is 36 minutes, which is a little 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 Port Jefferson are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Port Jefferson 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 Port Jefferson is $155 per month for minimum coverage and $213 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
- Belle Terre: Insurance costs 0.47% more
- Poquott: Insurance costs 1.80% more
- Port Jefferson Station: Insurance costs 3.47% more
- Setauket-East Setauket: Insurance costs 1.87% more
- Mount Sinai: Insurance costs 0.39% more
- East Setauket: Insurance costs 3.24% more
- Terryville: Insurance costs 4.76% more
- Miller Place: Insurance costs 1.17% more
- Stony Brook University: Insurance costs 16.32% more
- Old Field: Insurance costs 3.43% less
Cities with Similar Populations
- Colusa: Insurance costs 22.68% less
- Cottontown: Insurance costs 46.99% less
- Cos Cob: Insurance costs 16.28% less
- Corry: Insurance costs 46.25% less
- Coplay: Insurance costs 46.41% less
- Coopersville: Insurance costs 1.68% more
- Conning Towers Nautilus Park: Insurance costs 22.37% less
- Conifer: Insurance costs 23.58% less
- Congers: Insurance costs 1.48% more
- Winslow: Insurance costs 62.76% less