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Get Cheap Car Insurance in Upper West Side, Manhattan, NY
We monitor insurance prices, helping the average driver in Upper West Side save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Upper West Side
The chart below shows the cheapest car insurance company in Upper West Side 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.
| Upper West Side Insurer | Monthly Cost |
|---|---|
| Kemper | $114 |
| Plymouth Rock Assurance | $152 |
| Safeco Insurance | $163 |
| Geico | $171 |
Savings for Every Kind of Upper West Side Driver
Based on our extensive insurance data, we know the average Upper West Side 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 $925 per year by choosing the right vehicle insurance company. Some Upper West Side residents are paying out over $3,103 extra every year for auto insurance in Upper West Side. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Upper West Side, Manhattan, NY Savings / Yr. |
|---|---|
$925 |
|
$590 |
|
$1,179 |
|
$1,193 |
|
$2,922 |
|
$978 |
|
$1,557 |
Upper West Side Car Insurance vs. Manhattan
People living in Upper West Side pay an average of 27.98% more than the typical driver in the state. The average driver in Upper West Side can expect to pay about $2,251 per year, or $3,103 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Upper West Side for most people.
Car Insurance Prices by Upper West Side Neighborhood
Insurance Prices
Where is insurance cheapest within Upper West Side?
The map shows insurance prices in and around Upper West Side, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $1,095 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,708 to a low of $2,613. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the West parts of Upper West Side.Pick the Best Car Insurance Company for You in Upper West Side
The best car insurance provider for most drivers in Upper West Side
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $925 over the average Upper West Side car insurance company.
The best car insurance provider for Upper West Side 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 $590 over the competition.
The best car insurance company for Upper West Side drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,179 better than other car insurance companies.
The best auto insurance for Upper West Side drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,193 less each year.
The least expensive car insurance company for new and young drivers in Upper West Side
In Upper West Side, Progressive costs young drivers $2,922 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Upper West Side
Progressive gave the largest car insurance discounts to married couples, averaging $978 saved each year compared to an average Upper West Side couple's premiums.
The cheapest car insurance in Upper West Side for drivers with bad credit
The best Upper West Side car insurance company for customer service
Nationwide was the best company for customer service in Upper West Side according to the NAIC.
Recent price drops
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The cheapest large national provider in Upper West Side
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Upper West Side 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 Upper West Side, 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 Upper West Side
What Influences the Cost of Car Insurance in Upper West Side?
On average, car insurance in Upper West Side 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 Upper West Side is 38 minutes, which is about the national average for a driver in the city.
- New York state insurance regulations may require higher prices.
- An average of 8 to 9 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Upper West Side are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
- Upper West Side is one of the least populated areas in the state. The neighborhood’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 Upper West Side is $188 per month for minimum coverage and $259 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
- Carnegie Hill: Insurance costs 2.35% less
- Upper East Side: Insurance costs 3.32% less
- Yorkville: Insurance costs 9.02% more
- Morningside Heights: Insurance costs 0.45% less
- Midtown: Insurance costs 0.81% less
- Theater District: Insurance costs 0.55% more
- East Harlem: Insurance costs 10.15% more
- North Sutton Area: Insurance costs 6.86% less
- Roosevelt Island: Insurance costs 7.83% more
- Clinton: Insurance costs 1.87% more
Neighborhoods with Similar Populations
- Astoria: Insurance costs 7.48% more
- Southeast: Insurance costs 33.58% less
- Northeast Dallas-White Rock: Insurance costs 36.35% less
- North Last Vegas: Insurance costs 16.56% less
- Southeast Los Angeles: Insurance costs 16.63% less
- Paradise Valley: Insurance costs 38.35% less
- Pasadina: Insurance costs 38.45% less
- Powers: Insurance costs 37.16% less
- Roosevelt: Insurance costs 29.71% less
- South Bronx: Insurance costs 15.82% more