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Get Cheap Car Insurance in Port Jefferson Station, NY
We monitor insurance prices, helping the average driver in Port Jefferson Station save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Port Jefferson Station
The chart below shows the cheapest car insurance company in Port Jefferson Station 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 Station Insurer | Monthly Cost |
|---|---|
| Kemper | $98 |
| Plymouth Rock Assurance | $130 |
| Safeco Insurance | $140 |
| Geico | $146 |
Savings for Every Kind of Port Jefferson Station Driver
Based on our extensive insurance data, we know the average Port Jefferson Station 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 $790 per year by choosing the right vehicle insurance company. Some Port Jefferson Station residents are paying out over $2,651 extra every year for auto insurance in Port Jefferson Station. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Port Jefferson Station, NY Savings / Yr. |
|---|---|
$790 |
|
$504 |
|
$1,007 |
|
$1,019 |
|
$2,496 |
|
$835 |
|
$1,330 |
Port Jefferson Station Car Insurance vs. New York
People living in Port Jefferson Station pay an average of 9.32% more than the typical driver in the state. The average driver in Port Jefferson Station can expect to pay about $1,923 per year, or $2,651 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Port Jefferson Station for most people.
Car Insurance Prices by Port Jefferson Station Neighborhood
Insurance Prices
Where is insurance cheapest within Port Jefferson Station?
The map shows insurance prices in and around Port Jefferson Station, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $281 per year within the city boundaries, with insurance premiums ranging from a high of $2,807 to a low of $2,526. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Northeast parts of Port Jefferson Station.Pick the Best Car Insurance Company for You in Port Jefferson Station
The best car insurance provider for most drivers in Port Jefferson Station
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $790 over the average Port Jefferson Station car insurance company.
The best car insurance provider for Port Jefferson Station 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 $504 over the competition.
The best car insurance company for Port Jefferson Station drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,007 better than other car insurance companies.
The best auto insurance for Port Jefferson Station drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,019 less each year.
The least expensive car insurance company for new and young drivers in Port Jefferson Station
In Port Jefferson Station, Progressive costs young drivers $2,496 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Port Jefferson Station
Progressive gave the largest car insurance discounts to married couples, averaging $835 saved each year compared to an average Port Jefferson Station couple's premiums.
The cheapest car insurance in Port Jefferson Station for drivers with bad credit
The best Port Jefferson Station car insurance company for customer service
Nationwide was the best company for customer service in Port Jefferson Station according to the NAIC.
Recent price drops
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The cheapest large national provider in Port Jefferson Station
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Port Jefferson Station 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 Station, 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 Station
What Influences the Cost of Car Insurance in Port Jefferson Station?
On average, car insurance in Port Jefferson Station 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 Station is 40 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 Port Jefferson Station are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Port Jefferson Station 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 Station is $160 per month for minimum coverage and $221 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
- Terryville: Insurance costs 1.24% more
- Port Jefferson: Insurance costs 3.36% less
- Mount Sinai: Insurance costs 2.98% less
- Setauket-East Setauket: Insurance costs 1.55% less
- East Setauket: Insurance costs 0.23% less
- Belle Terre: Insurance costs 2.90% less
- Poquott: Insurance costs 1.62% less
- Coram: Insurance costs 2.45% more
- Selden: Insurance costs 0.87% less
- Stony Brook University: Insurance costs 12.41% more
Cities with Similar Populations
- Sylva: Insurance costs 55.34% less
- Dunmore: Insurance costs 48.13% less
- Durham: Insurance costs 53.07% less
- East Bridgewater: Insurance costs 37.91% less
- East Milton: Insurance costs 7.02% less
- Eaton: Insurance costs 58.54% less
- Edgewood: Insurance costs 41.83% less
- Eight Mile: Insurance costs 39.16% less
- Elk City: Insurance costs 34.85% less
- Englewood: Insurance costs 57.41% less