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 Smithville Flats, NY
We monitor insurance prices, helping the average driver in Smithville Flats save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Smithville Flats
The chart below shows the cheapest car insurance company in Smithville Flats 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.
| Smithville Flats Insurer | Monthly Cost |
|---|---|
| Kemper | $78 |
| Plymouth Rock Assurance | $103 |
| Safeco Insurance | $111 |
| Geico | $116 |
Savings for Every Kind of Smithville Flats Driver
Based on our extensive insurance data, we know the average Smithville Flats 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 $629 per year by choosing the right vehicle insurance company. Some Smithville Flats residents are paying out over $2,110 extra every year for auto insurance in Smithville Flats. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Smithville Flats, NY Savings / Yr. |
|---|---|
$629 |
|
$401 |
|
$801 |
|
$811 |
|
$1,986 |
|
$665 |
|
$1,059 |
Smithville Flats Car Insurance vs. New York
People living in Smithville Flats pay an average of 13.00% less than the typical driver in the state. The average driver in Smithville Flats can expect to pay about $1,530 per year, or $2,110 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Smithville Flats for most people.
Car Insurance Prices by Smithville Flats Neighborhood
Insurance Prices
Where is insurance cheapest within Smithville Flats?
The map shows insurance prices in and around Smithville Flats, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $240 per year within the city boundaries, with insurance premiums ranging from a high of $2,304 to a low of $2,064. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the South parts of Smithville Flats.Pick the Best Car Insurance Company for You in Smithville Flats
The best car insurance provider for most drivers in Smithville Flats
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $629 over the average Smithville Flats car insurance company.
The best car insurance provider for Smithville Flats 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 $401 over the competition.
The best car insurance company for Smithville Flats drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $801 better than other car insurance companies.
The best auto insurance for Smithville Flats drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $811 less each year.
The least expensive car insurance company for new and young drivers in Smithville Flats
In Smithville Flats, Progressive costs young drivers $1,986 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Smithville Flats
Progressive gave the largest car insurance discounts to married couples, averaging $665 saved each year compared to an average Smithville Flats couple's premiums.
The cheapest car insurance in Smithville Flats for drivers with bad credit
The best Smithville Flats car insurance company for customer service
Nationwide was the best company for customer service in Smithville Flats 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 Smithville Flats, which was better than other insurers.
The cheapest large national provider in Smithville Flats
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Smithville Flats 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 Smithville Flats, 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 Smithville Flats
What Influences the Cost of Car Insurance in Smithville Flats?
On average, car insurance in Smithville Flats 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 Smithville Flats is 34 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 14 to 15 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Smithville Flats are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Smithville Flats 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 Smithville Flats is $128 per month for minimum coverage and $176 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
- Genegantslet: Insurance costs 1.71% less
- Triangle: Insurance costs 1.80% less
- Smithville Center: Insurance costs 0.71% more
- Willet: Insurance costs 0.95% more
- Upper Lisle: Insurance costs 1.52% less
- Greene: Insurance costs 1.56% less
- Lower Genegantslet Corner: Insurance costs 1.85% less
- Mc Donough: Insurance costs 6.82% more
- Whitney Point: Insurance costs 2.27% more
- Tyner: Insurance costs 0.38% less
Cities with Similar Populations
- Bell: Insurance costs 33.74% more
- Wapella: Insurance costs 34.03% less
- Wildwood: Insurance costs 29.95% more
- Weir: Insurance costs 24.03% less
- Bridgeboro: Insurance costs 23.36% less
- Blue Rock: Insurance costs 45.73% less
- Blue Ridge Manor: Insurance costs 1.18% more
- Warfield: Insurance costs 41.42% less
- Big Run: Insurance costs 34.79% less
- Big Pool: Insurance costs 13.46% less