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Get Cheap Car Insurance in Valley Stream, NY
We monitor insurance prices, helping the average driver in Valley Stream save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Valley Stream
The chart below shows the cheapest car insurance company in Valley Stream 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.
| Valley Stream Insurer | Monthly Cost |
|---|---|
| Kemper | $118 |
| Plymouth Rock Assurance | $156 |
| Safeco Insurance | $168 |
| Geico | $175 |
Savings for Every Kind of Valley Stream Driver
Based on our extensive insurance data, we know the average Valley Stream 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 $950 per year by choosing the right vehicle insurance company. Some Valley Stream residents are paying out over $3,188 extra every year for auto insurance in Valley Stream. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Valley Stream, NY Savings / Yr. |
|---|---|
$950 |
|
$606 |
|
$1,211 |
|
$1,225 |
|
$3,001 |
|
$1,004 |
|
$1,600 |
Valley Stream Car Insurance vs. New York
People living in Valley Stream pay an average of 31.46% more than the typical driver in the state. The average driver in Valley Stream can expect to pay about $2,312 per year, or $3,188 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Valley Stream for most people.
Car Insurance Prices by Valley Stream Neighborhood
Insurance Prices
Where is insurance cheapest within Valley Stream?
The map shows insurance prices in and around Valley Stream, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $694 per year within the city boundaries, with insurance premiums ranging from a high of $3,464 to a low of $2,770. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southwest parts of Valley Stream.Pick the Best Car Insurance Company for You in Valley Stream
The best car insurance provider for most drivers in Valley Stream
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $950 over the average Valley Stream car insurance company.
The best car insurance provider for Valley Stream 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 $606 over the competition.
The best car insurance company for Valley Stream drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,211 better than other car insurance companies.
The best auto insurance for Valley Stream drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,225 less each year.
The least expensive car insurance company for new and young drivers in Valley Stream
In Valley Stream, Progressive costs young drivers $3,001 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Valley Stream
Progressive gave the largest car insurance discounts to married couples, averaging $1,004 saved each year compared to an average Valley Stream couple's premiums.
The cheapest car insurance in Valley Stream for drivers with bad credit
The best Valley Stream car insurance company for customer service
Nationwide was the best company for customer service in Valley Stream according to the NAIC.
Recent price drops
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The cheapest large national provider in Valley Stream
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Valley Stream 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 Valley Stream, 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 Valley Stream
What Influences the Cost of Car Insurance in Valley Stream?
On average, car insurance in Valley Stream 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 Valley Stream is 52 minutes, which is far more than average for a driver in the state.
- New York state insurance regulations may require higher prices.
- An average of 15 to 16 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Valley Stream are about 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 A+ according to CrimeGrade.org.
- Valley Stream 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 Valley Stream is $193 per month for minimum coverage and $266 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
- North Valley Stream: Insurance costs 1.32% more
- Hewlett: Insurance costs 9.27% less
- Lynbrook: Insurance costs 8.36% less
- Woodmere: Insurance costs 8.08% less
- Malverne: Insurance costs 11.02% less
- Hewlett Bay Park: Insurance costs 12.31% less
- Queens Village: Insurance costs 5.23% more
- Hewlett Harbor: Insurance costs 7.36% less
- East Rockaway: Insurance costs 13.03% less
- Elmont: Insurance costs 3.48% more
Cities with Similar Populations
- Azusa: Insurance costs 30.00% less
- Winter Garden: Insurance costs 17.23% less
- Wheaton: Insurance costs 33.98% less
- Wayne: Insurance costs 41.28% less
- Vero Beach: Insurance costs 22.24% less
- Taunton: Insurance costs 46.19% less
- Sun City: Insurance costs 42.22% less
- Stratford: Insurance costs 30.13% less
- Spring Valley: Insurance costs 10.96% less
- Spanaway: Insurance costs 48.73% less