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Get Cheap Car Insurance in West Village, Manhattan, NY

We monitor insurance prices, helping the average driver in West Village save up to 32.6% on car insurance.

 

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The Cheapest Minimum Coverage in West Village

The chart below shows the cheapest car insurance company in West Village 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.

 
West Village Insurer Monthly Cost
Kemper $108
Plymouth Rock Assurance $143
Safeco Insurance $154
Geico $161

Savings for Every Kind of West Village Driver

The table shows how much the average auto insurance customer in West Village might save by following our recommendations.

Based on our extensive insurance data, we know the average West Village 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 $871 per year by choosing the right vehicle insurance company. Some West Village residents are paying out over $2,923 extra every year for auto insurance in West Village. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
West Village, Manhattan, NY Savings / Yr.
Drivers with good records
$871
Drivers with accidents
$556
Drivers with speeding tickets
$1,110
Drivers with a DUI conviction
$1,123
Young drivers
$2,751
Married drivers
$921
Drivers with bad credit
$1,467

West Village Car Insurance vs. Manhattan

People living in West Village pay an average of 20.52% more than the typical driver in the state. The average driver in West Village can expect to pay about $2,120 per year, or $2,923 for full coverage.

Based on our analysis, Kemper will be the cheapest provider in West Village for most people.

Car Insurance Prices by West Village Neighborhood

West Village, Manhattan, NY map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within West Village?

The map shows insurance prices in and around West Village, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $381 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,153 to a low of $2,772. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the North parts of West Village.

Pick the Best Car Insurance Company for You in West Village

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the West Village insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in West Village

For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $871 over the average West Village car insurance company.

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We use the average good driver, paying $171 per month, as our baseline for pricing in West Village. Kemper, Erie Insurance, and Plymouth Rock Assurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for West Village drivers with accidents on their records

In West Village getting into an accident will raise premiums an average 5.2% for a yearly cost of $3,084. That's $161 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Progressive, and Kemper are good choices for drivers with accidents.

In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $556 over the competition.

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The best car insurance company for West Village drivers with speeding tickets

>Kemper gave the average person with a speeding ticket the most savings, averaging $1,110 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In West Village, tickets raise premiums on new quotes about $630. If you have a speeding ticket, we recommend Progressive, Kemper, and Plymouth Rock Assurance for savings that beat the average insurance cost of $3,553 per year.

The best auto insurance for West Village drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $4,019 per year in auto insurance premiums, which was $1,097 more than a driver with no major issues. Progressive, Travelers, and Plymouth Rock Assurance penalized their customers the least for a DUI.

Getting a quote from Progressive may cost the average person with a DUI about $1,123 less each year.

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The least expensive car insurance company for new and young drivers in West Village

In West Village, Progressive costs young drivers $2,751 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 66% more for insurance than more mature drivers in West Village. With an average cost of $8,611 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Progressive try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in West Village

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $100. State Farm, Geico, and Progressive provided the largest discounts to couples living in West Village.

Progressive gave the largest car insurance discounts to married couples, averaging $921 saved each year compared to an average West Village couple's premiums.

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The cheapest car insurance in West Village for drivers with bad credit

People with poor credit saved an average of $1,467 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,855 every year. Premiums for people with poor credit were about $4,777 in West Village. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Allstate, and Plymouth Rock Assurance.

The best West Village car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In West Village, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in West Village.

Nationwide was the best company for customer service in West Village according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in West Village, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in West Village. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in West Village

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 67% of West Village residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average West Village driver can expect to pay about $183 per month.

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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 West Village, 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.
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Auto Insurance Prices in and Around West Village

What Influences the Cost of Car Insurance in West Village?

On average, car insurance in West Village 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 West Village is 33 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 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in West Village 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 A- according to CrimeGrade.org.
  • West Village 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 West Village is $177 per month for minimum coverage and $244 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

Neighborhoods with Similar Populations

* Who is the average West Village driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central West Village with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.