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Get Cheap Car Insurance in South Marketview Heights, Rochester, NY

We monitor insurance prices, helping the average driver in South Marketview Heights save up to 32.6% on car insurance.

 

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The Cheapest Minimum Coverage in South Marketview Heights

The chart below shows the cheapest car insurance company in South Marketview Heights 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.

 
South Marketview Heights Insurer Monthly Cost
Kemper $105
Plymouth Rock Assurance $139
Safeco Insurance $150
Geico $156

Savings for Every Kind of South Marketview Heights Driver

The table shows how much the average auto insurance customer in South Marketview Heights might save by following our recommendations.

Based on our extensive insurance data, we know the average South Marketview Heights 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 $847 per year by choosing the right vehicle insurance company. Some South Marketview Heights residents are paying out over $2,842 extra every year for auto insurance in South Marketview Heights. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
South Marketview Heights, Rochester, NY Savings / Yr.
$847
$540
$1,079
$1,092
$2,676
$895
$1,426

South Marketview Heights Car Insurance vs. Rochester

People living in South Marketview Heights pay an average of 17.20% more than the typical driver in the state. The average driver in South Marketview Heights can expect to pay about $2,062 per year, or $2,842 for full coverage.

Based on our analysis, Kemper will be the cheapest provider in South Marketview Heights for most people.

Car Insurance Prices by South Marketview Heights Neighborhood

South Marketview Heights, Rochester, NY map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within South Marketview Heights?

The map shows insurance prices in and around South Marketview Heights, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $673 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,030 to a low of $2,357. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the East parts of South Marketview Heights.

Pick the Best Car Insurance Company for You in South Marketview Heights

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 South Marketview Heights insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in South Marketview Heights

For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $847 over the average South Marketview Heights car insurance company.

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We use the average good driver, paying $166 per month, as our baseline for pricing in South Marketview Heights. 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 South Marketview Heights drivers with accidents on their records

In South Marketview Heights getting into an accident will raise premiums an average 5.2% for a yearly cost of $2,999. That's $157 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 $540 over the competition.

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The best car insurance company for South Marketview Heights drivers with speeding tickets

>Kemper gave the average person with a speeding ticket the most savings, averaging $1,079 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In South Marketview Heights, tickets raise premiums on new quotes about $613. If you have a speeding ticket, we recommend Progressive, Kemper, and Plymouth Rock Assurance for savings that beat the average insurance cost of $3,455 per year.

The best auto insurance for South Marketview Heights drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,909 per year in auto insurance premiums, which was $1,067 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 $1,092 less each year.

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The least expensive car insurance company for new and young drivers in South Marketview Heights

In South Marketview Heights, Progressive costs young drivers $2,676 less each year versus the average auto insurance bill.

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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 South Marketview Heights. With an average cost of $8,374 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 South Marketview Heights

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $97. State Farm, Geico, and Progressive provided the largest discounts to couples living in South Marketview Heights.

Progressive gave the largest car insurance discounts to married couples, averaging $895 saved each year compared to an average South Marketview Heights couple's premiums.

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The cheapest car insurance in South Marketview Heights for drivers with bad credit

People with poor credit saved an average of $1,426 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,804 every year. Premiums for people with poor credit were about $4,646 in South Marketview Heights. 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 South Marketview Heights car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In South Marketview Heights, 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 South Marketview Heights.

Nationwide was the best company for customer service in South Marketview Heights according to the NAIC.

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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 South Marketview Heights, which was better than other insurers.

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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 South Marketview Heights. 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 South Marketview Heights

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 76% of South Marketview Heights residents who are renting, and don't plan to be in the neighborhood or city 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 South Marketview Heights driver can expect to pay about $183 per month.

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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 South Marketview Heights, 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.
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Auto Insurance Prices in and Around South Marketview Heights

What Influences the Cost of Car Insurance in South Marketview Heights?

On average, car insurance in South Marketview Heights 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 neighborhood are influenced by the following factors:

  • The average commute time in South Marketview Heights is 23 minutes, which is far less than average for a driver in the city.
  • New York state insurance regulations may require higher prices.
  • An average of 11 to 12 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in South Marketview Heights are among the lowest 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.
  • South Marketview Heights is a fairly densely populated area in the state. The neighborhood’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 South Marketview Heights is $172 per month for minimum coverage and $237 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 Neighborhoods

Neighborhoods with Similar Populations

* Who is the average South Marketview Heights driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central South Marketview Heights 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.