Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Windsor, NY
We monitor insurance prices, helping the average driver in Windsor save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Windsor
The chart below shows the cheapest car insurance company in Windsor 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.
| Windsor Insurer | Monthly Cost |
|---|---|
| Kemper | $79 |
| Plymouth Rock Assurance | $105 |
| Safeco Insurance | $113 |
| Geico | $118 |
Savings for Every Kind of Windsor Driver
Based on our extensive insurance data, we know the average Windsor 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 $639 per year by choosing the right vehicle insurance company. Some Windsor residents are paying out over $2,145 extra every year for auto insurance in Windsor. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Windsor, NY Savings / Yr. |
|---|---|
$639 |
|
$408 |
|
$815 |
|
$824 |
|
$2,019 |
|
$676 |
|
$1,076 |
Windsor Car Insurance vs. New York
People living in Windsor pay an average of 11.55% less than the typical driver in the state. The average driver in Windsor can expect to pay about $1,556 per year, or $2,145 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Windsor for most people.
Car Insurance Prices by Windsor Neighborhood
Insurance Prices
Where is insurance cheapest within Windsor?
The map shows insurance prices in and around Windsor, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $531 per year within the city boundaries, with insurance premiums ranging from a high of $2,539 to a low of $2,008. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northwest parts of Windsor.Pick the Best Car Insurance Company for You in Windsor
The best car insurance provider for most drivers in Windsor
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $639 over the average Windsor car insurance company.
The best car insurance provider for Windsor 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 $408 over the competition.
The best car insurance company for Windsor drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $815 better than other car insurance companies.
The best auto insurance for Windsor drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $824 less each year.
The least expensive car insurance company for new and young drivers in Windsor
In Windsor, Progressive costs young drivers $2,019 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Windsor
Progressive gave the largest car insurance discounts to married couples, averaging $676 saved each year compared to an average Windsor couple's premiums.
The cheapest car insurance in Windsor for drivers with bad credit
The best Windsor car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Windsor, which was better than other insurers.
The cheapest large national provider in Windsor
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Windsor 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 Windsor, 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 Windsor
What Influences the Cost of Car Insurance in Windsor?
On average, car insurance in Windsor is actually less expensive than the rest of the state. These low 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 Windsor is 31 minutes, which is about the national average for a driver in the state.
- New York state insurance regulations may require higher prices.
- An average of 14 to 15 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Windsor are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Windsor is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Windsor is $130 per month for minimum coverage and $179 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
- Ouaquaga: Insurance costs 3.59% less
- Edson: Insurance costs 18.37% more
- East Windsor: Insurance costs 3.92% less
- West Colesville: Insurance costs 1.72% less
- Kirkwood: Insurance costs 2.24% more
- Conklin: Insurance costs 2.56% less
- Hickory Grove: Insurance costs 35.80% less
- Harpursville: Insurance costs 1.35% less
- Great Bend: Insurance costs 35.20% less
- Sanford: Insurance costs 0.79% more
Cities with Similar Populations
- Lake City: Insurance costs 36.50% less
- Lathrup Village: Insurance costs 65.69% more
- Lathrop: Insurance costs 16.64% less
- Lansford: Insurance costs 35.85% less
- Planada: Insurance costs 0.61% less
- Big Bend: Insurance costs 49.09% less
- Schulenburg: Insurance costs 24.01% less
- Garland: Insurance costs 35.52% less
- Geneva: Insurance costs 45.03% less
- Duryea: Insurance costs 35.29% less