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Get Cheap Car Insurance in Washington Heights, Manhattan, NY
We monitor insurance prices, helping the average driver in Washington Heights save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Washington Heights
The chart below shows the cheapest car insurance company in Washington Heights 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.
| Washington Heights Insurer | Monthly Cost |
|---|---|
| Kemper | $130 |
| Plymouth Rock Assurance | $173 |
| Safeco Insurance | $186 |
| Geico | $194 |
Savings for Every Kind of Washington Heights Driver
Based on our extensive insurance data, we know the average Washington Heights 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 $1,053 per year by choosing the right vehicle insurance company. Some Washington Heights residents are paying out over $3,531 extra every year for auto insurance in Washington Heights. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Washington Heights, Manhattan, NY Savings / Yr. |
|---|---|
$1,053 |
|
$671 |
|
$1,341 |
|
$1,357 |
|
$3,325 |
|
$1,113 |
|
$1,772 |
Washington Heights Car Insurance vs. Manhattan
People living in Washington Heights pay an average of 45.63% more than the typical driver in the state. The average driver in Washington Heights can expect to pay about $2,562 per year, or $3,531 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Washington Heights for most people.
Car Insurance Prices by Washington Heights Neighborhood
Insurance Prices
Where is insurance cheapest within Washington Heights?
The map shows insurance prices in and around Washington Heights, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $762 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,769 to a low of $3,007. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the North parts of Washington Heights.Pick the Best Car Insurance Company for You in Washington Heights
The best car insurance provider for most drivers in Washington Heights
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $1,053 over the average Washington Heights car insurance company.
The best car insurance provider for Washington Heights 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 $671 over the competition.
The best car insurance company for Washington Heights drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,341 better than other car insurance companies.
The best auto insurance for Washington Heights drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,357 less each year.
The least expensive car insurance company for new and young drivers in Washington Heights
In Washington Heights, Progressive costs young drivers $3,325 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Washington Heights
Progressive gave the largest car insurance discounts to married couples, averaging $1,113 saved each year compared to an average Washington Heights couple's premiums.
The cheapest car insurance in Washington Heights for drivers with bad credit
The best Washington Heights car insurance company for customer service
Nationwide was the best company for customer service in Washington Heights according to the NAIC.
Recent price drops
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The cheapest large national provider in Washington Heights
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Washington Heights 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 Washington Heights, 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 Washington Heights
What Influences the Cost of Car Insurance in Washington Heights?
On average, car insurance in Washington Heights 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 Washington Heights is 52 minutes, which is a little more than average for a driver in the city.
- New York state insurance regulations may require higher prices.
- An average of 7 to 8 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Washington Heights are lower 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 D according to CrimeGrade.org.
- Washington Heights is a lightly populated area 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 Washington Heights is $213 per month for minimum coverage and $294 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
- Highbridge: Insurance costs 1.87% more
- Morris Heights: Insurance costs 1.98% more
- Inwood: Insurance costs 1.02% less
- Coytesville: Insurance costs 33.25% less
- Hamilton Heights: Insurance costs 0.23% less
- University Heights: Insurance costs 1.70% more
- South Bronx: Insurance costs 1.78% more
- Tremont: Insurance costs 2.27% more
- Linwood: Insurance costs 32.94% less
- Fordham: Insurance costs 3.09% more
Neighborhoods with Similar Populations
- Hickory Ridge-South Riverdale: Insurance costs 53.19% less
- Lower East Side: Insurance costs 5.83% less
- Southeast Dallas: Insurance costs 41.18% less
- Southeast Mesa: Insurance costs 47.83% less
- Southeastern Denver: Insurance costs 39.51% less
- Southwest: Insurance costs 35.51% less
- Lake View: Insurance costs 49.19% less
- Southwest Dallas: Insurance costs 42.00% less
- Koreatown: Insurance costs 26.39% less
- Kew Ggardens: Insurance costs 8.35% less