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Get Cheap Car Insurance in Stony Brook University, NY
We monitor insurance prices, helping the average driver in Stony Brook University save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Stony Brook University
The chart below shows the cheapest car insurance company in Stony Brook University 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 University Insurer | Monthly Cost |
|---|---|
| Kemper | $110 |
| Plymouth Rock Assurance | $146 |
| Safeco Insurance | $157 |
| Geico | $164 |
Savings for Every Kind of Stony Brook University Driver
Based on our extensive insurance data, we know the average Stony Brook University 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 $889 per year by choosing the right vehicle insurance company. Some Stony Brook University residents are paying out over $2,980 extra every year for auto insurance in Stony Brook University. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Stony Brook University, NY Savings / Yr. |
|---|---|
$889 |
|
$567 |
|
$1,132 |
|
$1,145 |
|
$2,806 |
|
$939 |
|
$1,496 |
Stony Brook University Car Insurance vs. New York
People living in Stony Brook University pay an average of 22.89% more than the typical driver in the state. The average driver in Stony Brook University can expect to pay about $2,162 per year, or $2,980 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Stony Brook University for most people.
Car Insurance Prices by Stony Brook University Neighborhood
Insurance Prices
Where is insurance cheapest within Stony Brook University?
The map shows insurance prices in and around Stony Brook University, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $2,980 to a low of $2,980. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Stony Brook University.Pick the Best Car Insurance Company for You in Stony Brook University
The best car insurance provider for most drivers in Stony Brook University
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $889 over the average Stony Brook University car insurance company.
The best car insurance provider for Stony Brook University 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 $567 over the competition.
The best car insurance company for Stony Brook University drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,132 better than other car insurance companies.
The best auto insurance for Stony Brook University drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,145 less each year.
The least expensive car insurance company for new and young drivers in Stony Brook University
In Stony Brook University, Progressive costs young drivers $2,806 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Stony Brook University
Progressive gave the largest car insurance discounts to married couples, averaging $939 saved each year compared to an average Stony Brook University couple's premiums.
The cheapest car insurance in Stony Brook University for drivers with bad credit
The best Stony Brook University car insurance company for customer service
Nationwide was the best company for customer service in Stony Brook University according to the NAIC.
Recent price drops
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The cheapest large national provider in Stony Brook University
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Stony Brook University 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 University, 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 University
What Influences the Cost of Car Insurance in Stony Brook University?
On average, car insurance in Stony Brook University 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:
- 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 University are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Stony Brook University 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 University is $180 per month for minimum coverage and $248 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: Insurance costs 9.06% less
- East Setauket: Insurance costs 11.24% less
- Setauket-East Setauket: Insurance costs 12.42% less
- Centereach: Insurance costs 11.48% less
- Terryville: Insurance costs 9.93% less
- Head of the Harbor: Insurance costs 13.49% less
- St. James: Insurance costs 13.26% less
- Port Jefferson Station: Insurance costs 11.04% less
- Poquott: Insurance costs 12.48% less
- Lake Grove: Insurance costs 10.50% less
Cities with Similar Populations
- Hodgson: Insurance costs 44.80% less
- Sharon: Insurance costs 46.68% less
- Shamrock Shores: Insurance costs 45.34% less
- Isbell: Insurance costs 50.10% less
- Ingleside: Insurance costs 53.79% less
- Hurley: Insurance costs 40.07% less
- Humnoke: Insurance costs 43.12% less
- Humarock: Insurance costs 47.25% less
- Howard: Insurance costs 55.34% less
- Hovland: Insurance costs 45.77% less