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 Sound Beach, NY

We monitor insurance prices, helping the average driver in Sound Beach save up to 32.6% on car insurance.

 

Start Saving

;

The Cheapest Minimum Coverage in Sound Beach

The chart below shows the cheapest car insurance company in Sound Beach 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.

 
Sound Beach Insurer Monthly Cost
Kemper $93
Plymouth Rock Assurance $123
Safeco Insurance $133
Geico $138

Savings for Every Kind of Sound Beach Driver

The table shows how much the average auto insurance customer in Sound Beach might save by following our recommendations.

Based on our extensive insurance data, we know the average Sound Beach 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 $751 per year by choosing the right vehicle insurance company. Some Sound Beach residents are paying out over $2,519 extra every year for auto insurance in Sound Beach. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Sound Beach, NY Savings / Yr.
Drivers with good records
$751
Drivers with accidents
$479
Drivers with speeding tickets
$957
Drivers with a DUI conviction
$968
Young drivers
$2,372
Married drivers
$794
Drivers with bad credit
$1,264

Sound Beach Car Insurance vs. New York

People living in Sound Beach pay an average of 3.89% more than the typical driver in the state. The average driver in Sound Beach can expect to pay about $1,827 per year, or $2,519 for full coverage.

Based on our analysis, Kemper will be the cheapest provider in Sound Beach for most people.

Car Insurance Prices by Sound Beach Neighborhood

Sound Beach, NY map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Sound Beach?

The map shows insurance prices in and around Sound Beach, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $82 per year within the city boundaries, with insurance premiums ranging from a high of $2,579 to a low of $2,497. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the West parts of Sound Beach.

Pick the Best Car Insurance Company for You in Sound Beach

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Sound Beach insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Sound Beach

For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $751 over the average Sound Beach car insurance company.

Visit Site

We use the average good driver, paying $147 per month, as our baseline for pricing in Sound Beach. Kemper, Erie Insurance, and Plymouth Rock Assurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Sound Beach drivers with accidents on their records

In Sound Beach getting into an accident will raise premiums an average 5.2% for a yearly cost of $2,659. That's $139 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Progressive, and Kemper are good choices for drivers with accidents.

In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $479 over the competition.

Visit Site

The best car insurance company for Sound Beach drivers with speeding tickets

>Kemper gave the average person with a speeding ticket the most savings, averaging $957 better than other car insurance companies.

Visit Site

Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Sound Beach, tickets raise premiums on new quotes about $543. If you have a speeding ticket, we recommend Progressive, Kemper, and Plymouth Rock Assurance for savings that beat the average insurance cost of $3,063 per year.

The best auto insurance for Sound Beach drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,465 per year in auto insurance premiums, which was $945 more than a driver with no major issues. Progressive, Travelers, and Plymouth Rock Assurance penalized their customers the least for a DUI.

Getting a quote from Progressive may cost the average person with a DUI about $968 less each year.

Visit Site

The least expensive car insurance company for new and young drivers in Sound Beach

In Sound Beach, Progressive costs young drivers $2,372 less each year versus the average auto insurance bill.

Visit Site

Teen drivers account for more than their share of accidents, and thus end up paying about 66% more for insurance than more mature drivers in Sound Beach. With an average cost of $7,423 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Progressive try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Sound Beach

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $86. State Farm, Geico, and Progressive provided the largest discounts to couples living in Sound Beach.

Progressive gave the largest car insurance discounts to married couples, averaging $794 saved each year compared to an average Sound Beach couple's premiums.

Visit Site

The cheapest car insurance in Sound Beach for drivers with bad credit

People with poor credit saved an average of $1,264 with Geico.

Visit Site

Many people are surprised that their poor credit score can cost them an average of $1,599 every year. Premiums for people with poor credit were about $4,118 in Sound Beach. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Allstate, and Plymouth Rock Assurance.

The best Sound Beach car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Sound Beach, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Sound Beach.

Nationwide was the best company for customer service in Sound Beach according to the NAIC.

Visit Site

Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Sound Beach, which was better than other insurers.

Visit Site

During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Sound Beach. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Sound Beach

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 11% of Sound Beach residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Sound Beach driver can expect to pay about $183 per month.

Visit Site

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 Sound Beach, 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.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Sound Beach

What Influences the Cost of Car Insurance in Sound Beach?

On average, car insurance in Sound Beach 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 Sound Beach is 41 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 Sound Beach are lower 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.
  • Sound Beach 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 Sound Beach is $152 per month for minimum coverage and $210 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

Cities with Similar Populations

* Who is the average Sound Beach driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Sound Beach with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.