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Get Cheap Car Insurance in Stony Brook, NY
We monitor insurance prices, helping the average driver in Stony Brook save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Stony Brook
The chart below shows the cheapest car insurance company in Stony Brook 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.
| Stony Brook Insurer | Monthly Cost |
|---|---|
| Kemper | $100 |
| Plymouth Rock Assurance | $133 |
| Safeco Insurance | $143 |
| Geico | $149 |
Savings for Every Kind of Stony Brook Driver
Based on our extensive insurance data, we know the average Stony Brook 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 $808 per year by choosing the right vehicle insurance company. Some Stony Brook residents are paying out over $2,710 extra every year for auto insurance in Stony Brook. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Stony Brook, NY Savings / Yr. |
|---|---|
$808 |
|
$515 |
|
$1,029 |
|
$1,042 |
|
$2,552 |
|
$854 |
|
$1,360 |
Stony Brook Car Insurance vs. New York
People living in Stony Brook pay an average of 11.76% more than the typical driver in the state. The average driver in Stony Brook can expect to pay about $1,966 per year, or $2,710 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Stony Brook for most people.
Car Insurance Prices by Stony Brook Neighborhood
Insurance Prices
Where is insurance cheapest within Stony Brook?
The map shows insurance prices in and around Stony Brook, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $427 per year within the city boundaries, with insurance premiums ranging from a high of $2,980 to a low of $2,553. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Northwest parts of Stony Brook.Pick the Best Car Insurance Company for You in Stony Brook
The best car insurance provider for most drivers in Stony Brook
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $808 over the average Stony Brook car insurance company.
The best car insurance provider for Stony Brook 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 $515 over the competition.
The best car insurance company for Stony Brook drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,029 better than other car insurance companies.
The best auto insurance for Stony Brook drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,042 less each year.
The least expensive car insurance company for new and young drivers in Stony Brook
In Stony Brook, Progressive costs young drivers $2,552 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Stony Brook
Progressive gave the largest car insurance discounts to married couples, averaging $854 saved each year compared to an average Stony Brook couple's premiums.
The cheapest car insurance in Stony Brook for drivers with bad credit
The best Stony Brook car insurance company for customer service
Nationwide was the best company for customer service in Stony Brook according to the NAIC.
Recent price drops
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The cheapest large national provider in Stony Brook
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Stony Brook 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 Stony Brook, 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 Stony Brook
What Influences the Cost of Car Insurance in Stony Brook?
On average, car insurance in Stony Brook 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 Stony Brook is 32 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 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Stony Brook 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.
- Stony Brook 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 Stony Brook is $164 per month for minimum coverage and $226 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
- Stony Brook University: Insurance costs 9.96% more
- East Setauket: Insurance costs 2.40% less
- Setauket-East Setauket: Insurance costs 3.69% less
- Head of the Harbor: Insurance costs 4.87% less
- St. James: Insurance costs 4.61% less
- Centereach: Insurance costs 2.66% less
- Lake Grove: Insurance costs 1.59% less
- Nissequogue: Insurance costs 9.70% less
- Poquott: Insurance costs 3.76% less
- Old Field: Insurance costs 8.71% less
Cities with Similar Populations
- Cary: Insurance costs 44.21% less
- Washington: Insurance costs 54.21% less
- Vidor: Insurance costs 37.31% less
- Versailles: Insurance costs 25.46% less
- Cohoes: Insurance costs 17.05% less
- Clinton: Insurance costs 46.49% less
- Chowchilla: Insurance costs 26.83% less
- Chalfont: Insurance costs 48.27% less
- Chagrin Falls: Insurance costs 59.37% less
- Central Falls: Insurance costs 4.02% more