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 South Ogdensburg, NJ
We monitor insurance prices, helping the average driver in South Ogdensburg save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in South Ogdensburg
The chart below shows the cheapest car insurance company in South Ogdensburg 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 State Farm, followed by Geico, Plymouth Rock Assurance, and NJM.
| South Ogdensburg Insurer | Monthly Cost |
|---|---|
| State Farm | $59 |
| Geico | $62 |
| Plymouth Rock Assurance | $76 |
| NJM | $89 |
Savings for Every Kind of South Ogdensburg Driver
Based on our extensive insurance data, we know the average South Ogdensburg driver will save about 26% 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 $467 per year by choosing the right vehicle insurance company. Some South Ogdensburg residents are paying out over $1,782 extra every year for auto insurance in South Ogdensburg. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
South Ogdensburg, NJ Savings / Yr. |
|---|---|
$467 |
|
$866 |
|
$665 |
|
$574 |
|
$2,305 |
|
$449 |
|
$699 |
South Ogdensburg Car Insurance vs. New Jersey
People living in South Ogdensburg pay an average of 1.89% less than the typical driver in the state. The average driver in South Ogdensburg can expect to pay about $1,063 per year, or $1,782 for full coverage.
Based on our analysis, Geico will be the cheapest provider in South Ogdensburg for most people.
Car Insurance Prices by South Ogdensburg Neighborhood
Insurance Prices
Where is insurance cheapest within South Ogdensburg?
The map shows insurance prices in and around South Ogdensburg, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $114 per year within the city boundaries, with insurance premiums ranging from a high of $1,812 to a low of $1,698. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of South Ogdensburg.Pick the Best Car Insurance Company for You in South Ogdensburg
The best car insurance provider for most drivers in South Ogdensburg
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $467 over the average South Ogdensburg car insurance company.
The best car insurance provider for South Ogdensburg drivers with accidents on their records
In our analysis, NJM saved the average person who had been in an accident the most, with annual savings averaging $866 over the competition.
The best car insurance company for South Ogdensburg drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $665 better than other car insurance companies.
The best auto insurance for South Ogdensburg drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $574 less each year.
The least expensive car insurance company for new and young drivers in South Ogdensburg
In South Ogdensburg, Geico costs young drivers $2,305 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in South Ogdensburg
Geico gave the largest car insurance discounts to married couples, averaging $449 saved each year compared to an average South Ogdensburg couple's premiums.
The cheapest car insurance in South Ogdensburg for drivers with bad credit
The best South Ogdensburg car insurance company for customer service
Nationwide was the best company for customer service in South Ogdensburg 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 South Ogdensburg, which was better than other insurers.
The cheapest large national provider in South Ogdensburg
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average South Ogdensburg driver can expect to pay about $112 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 South Ogdensburg, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around South Ogdensburg
What Influences the Cost of Car Insurance in South Ogdensburg?
On average, car insurance in South Ogdensburg 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:
- New Jersey state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in South Ogdensburg are among the highest 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.
- South Ogdensburg 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 South Ogdensburg is $89 per month for minimum coverage and $148 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
- Ogdensburg: Insurance costs 2.41% less
- Sparta: Insurance costs 3.93% less
- Upper Mohawk: Insurance costs 3.82% less
- Stockholm: Insurance costs 2.24% less
- Lake Mohawk: Insurance costs 1.57% less
- Franklin: Insurance costs 3.37% less
- Lafayette: Insurance costs 3.65% less
- Hamburg: Insurance costs 0.28% more
- Oak Ridge: Insurance costs 3.59% less
- Augusta: Insurance costs 3.70% less
Cities with Similar Populations
- Allendale: Insurance costs 21.38% less
- Charlotte: Insurance costs 6.68% less
- Wannee: Insurance costs 34.57% more
- Webb: Insurance costs 1.52% less
- West Topsham: Insurance costs 31.59% less
- White Earth: Insurance costs 9.99% less
- Whitesville: Insurance costs 3.82% less
- Benham: Insurance costs 25.53% more
- Woodland: Insurance costs 36.59% less
- Ballsville: Insurance costs 30.98% less