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Get Cheap Car Insurance in Southwest Oswego, NY
We monitor insurance prices, helping the average driver in Southwest Oswego save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Southwest Oswego
The chart below shows the cheapest car insurance company in Southwest Oswego 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.
| Southwest Oswego Insurer | Monthly Cost |
|---|---|
| Kemper | $75 |
| Plymouth Rock Assurance | $100 |
| Safeco Insurance | $108 |
| Geico | $113 |
Savings for Every Kind of Southwest Oswego Driver
Based on our extensive insurance data, we know the average Southwest Oswego 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 $612 per year by choosing the right vehicle insurance company. Some Southwest Oswego residents are paying out over $2,051 extra every year for auto insurance in Southwest Oswego. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Southwest Oswego, NY Savings / Yr. |
|---|---|
$612 |
|
$390 |
|
$779 |
|
$788 |
|
$1,931 |
|
$646 |
|
$1,029 |
Southwest Oswego Car Insurance vs. New York
People living in Southwest Oswego pay an average of 15.41% less than the typical driver in the state. The average driver in Southwest Oswego can expect to pay about $1,488 per year, or $2,051 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Southwest Oswego for most people.
Car Insurance Prices by Southwest Oswego Neighborhood
Insurance Prices
Where is insurance cheapest within Southwest Oswego?
The map shows insurance prices in and around Southwest Oswego, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $36 per year within the city boundaries, with insurance premiums ranging from a high of $2,057 to a low of $2,021. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Southeast parts of Southwest Oswego.Pick the Best Car Insurance Company for You in Southwest Oswego
The best car insurance provider for most drivers in Southwest Oswego
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $612 over the average Southwest Oswego car insurance company.
The best car insurance provider for Southwest Oswego 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 $390 over the competition.
The best car insurance company for Southwest Oswego drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $779 better than other car insurance companies.
The best auto insurance for Southwest Oswego drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $788 less each year.
The least expensive car insurance company for new and young drivers in Southwest Oswego
In Southwest Oswego, Progressive costs young drivers $1,931 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Southwest Oswego
Progressive gave the largest car insurance discounts to married couples, averaging $646 saved each year compared to an average Southwest Oswego couple's premiums.
The cheapest car insurance in Southwest Oswego for drivers with bad credit
The best Southwest Oswego car insurance company for customer service
Nationwide was the best company for customer service in Southwest Oswego according to the NAIC.
Recent price drops
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The cheapest large national provider in Southwest Oswego
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Southwest Oswego 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 Southwest Oswego, 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 Southwest Oswego
What Influences the Cost of Car Insurance in Southwest Oswego?
On average, car insurance in Southwest Oswego 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 Southwest Oswego is 27 minutes, which is a little less 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 Southwest Oswego 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.
- Southwest Oswego is a lightly populated area 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 Southwest Oswego is $124 per month for minimum coverage and $171 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
- Sterling Valley: Insurance costs 0.29% more
- Furniss: Insurance costs 1.46% less
- North Hannibal: Insurance costs 0.49% less
- Minetto: Insurance costs 2.10% less
- Oswego: Insurance costs 2.39% more
- Sterling: Insurance costs 1.90% more
- Hannibal: Insurance costs 0.15% more
- Seneca Hill: Insurance costs 0.49% less
- Fair Haven: Insurance costs 0.73% more
- Granby Center: Insurance costs 0.63% more
Cities with Similar Populations
- Sikes: Insurance costs 40.61% more
- Mount Ida: Insurance costs 44.71% less
- Mount Pleasant: Insurance costs 32.76% less
- Shady Hills: Insurance costs 43.20% less
- Sherman City: Insurance costs 37.98% more
- Sherwood Shores: Insurance costs 5.36% more
- Shiloh: Insurance costs 14.63% less
- Shirley: Insurance costs 48.17% less
- Shorewood: Insurance costs 34.32% less
- Mount Gilead: Insurance costs 31.40% less