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Jerry Data & Research
Cheapest car insurance in Port Jefferson, New York (Apr 2024)
Cheapest car insurance in Port Jefferson, New York (Apr 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Port Jefferson, New York.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Andrea Barrett
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance quotes in Port Jefferson
- Best car insurance companies in Port Jefferson
- Best cheap car insurance quotes in Port Jefferson
- Average cost of car insurance in Port Jefferson
- Car insurance quotes in Port Jefferson by rating factors
- How do different factors impact your car insurance costs in Port Jefferson?
- Cheap car insurance quotes in Port Jefferson after driving violations
- Cheap car insurance quotes in Port Jefferson by age
- Cheap car insurance quotes in Port Jefferson based on insurance history
- Cheap car insurance quotes in Port Jefferson for popular cars
- How to lower car insurance costs in Port Jefferson
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance quotes in Port Jefferson
The average cost of car insurance in Port Jefferson is approximately $171 per month for liability-only policies, and $229 per month for full coverage. This makes Port Jefferson’s auto insurance rates 7% more than the state average.
The easiest way to find cheap
auto insurance
in Port Jefferson, New York—or any other location—is to compare quotes from multiple insurers. But with dozens of insurance providers and a considerable variation in rates, finding multiple quotes can feel overwhelming. Rather than requesting a free quote from each provider, use the
Jerry
app. Jerry will help you create a profile, which will then be used to find real quotes from the top providers in your area.Check out the table below to see some of the best rates drivers in Port Jefferson, NY, found shopping with Jerry.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $203 | Roxie, 24 Zip: 11777 | Toyota Prius | • State Minimum Liability |
| Safeco | $160 | Hettie, 42 Zip: 11777 | Ford Expedition EL Eddie Bauer | • State Minimum Liability • Comp / Collision |
Last Updated Apr 25, 2024Best car insurance companies in Port Jefferson
Based on Jerry’s nationwide insurance shopping survey,
State Farm
, GEICO
, Progressive
, Allstate
, USAA
, and Liberty Mutual
are among the most popular insurers in New York.Keep in mind that no single provider will offer the ‘best’ car insurance rates for all drivers.
Car insurance quotes
are tailored to your driver profile, meaning that your rates may be higher or lower than your friend’s or family’s.The table below provides a rundown of how Port Jefferson drivers ranked these and other major insurance companies in terms of claims handling, customer service, cost-effectiveness, and overall.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.4 | 3.7 | 4.3 | 4.2 |
| State Farm | 4.1 | 3.7 | 4.4 | 4.1 |
| Geico | 3.8 | 3.4 | 3.9 | 3.9 |
| Farmers | 3.5 | 2 | N/A | 2 |
Liberty Mutual | 3.3 | N/A | N/A | 3.3 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Port Jefferson
Port Jefferson drivers must carry auto insurance that meets or exceeds New York’s minimum state car insurance requirements.
Although New York minimums only include liability insurance, uninsured motorist coverage, and personal injury protection (PIP), many drivers choose to purchase a full-coverage auto insurance policy that protects them against all legal and financial claims.
Cheap minimum liability insurance quotes in Port Jefferson
New York minimum auto insurance coverage requirements include:
These minimum coverage requirements are often described as 25/50/10 coverage.
The table below shows some minimum policies Port Jefferson, NY drivers found by shopping with Jerry:
Hettie (42 years old)
$160
per month
Do you need more than minimum coverage in Port Jefferson?
Although New York’s car insurance requirements are relatively robust, Port Jefferson drivers can still benefit from additional coverage options and higher limits.
Increasing your liability limits (at least 50/100/50, but 100/300/100 is better) can help protect your assets and future income in the event of a crash.
Similarly, a
full-coverage auto insurance policy
that includes collision and comprehensive insurance can also reduce the financial burden of unexpected accident costs. Combine the two, and you have a sturdy policy that can ensure you’re protected at all levels. Cheap full coverage car insurance quotes in Port Jefferson
New York’s minimum car insurance requirements are designed to protect drivers from potential lawsuits and out-of-pocket expenses after an accident—but they don’t include full coverage.
“Full coverage” isn’t a specific type of policy—it’s an umbrella term that refers to a car insurance policy that includes liability coverage to pay for damages (if you’re at fault) and comprehensive and collision insurance to pay for repairs to your vehicle regardless of fault.
- Collision coveragecovers your vehicle repair expenses after a collision with another vehicle or stationary object.
- Comprehensive coveragepays for expenses after non-collision-related incidents, such as severe weather events, theft, or vandalism.
If you’re leasing or financing your vehicle, lenders will likely require you to purchase full coverage. Full coverage is also needed if you want additional coverage like
towing and labor coverage
to your policy.Remember: Collision and comprehensive coverage are subject to deductibles—amounts you must pay before your insurer covers any repair costs. Increasing your deductible is an easy way to reduce your car insurance rates, but always select an amount you can afford to pay in the event of an accident.
A full-coverage auto insurance policy costs more than minimum coverage, but you may find it’s more affordable than you thought. Check out the table below for full-coverage rates Port Jefferson drivers found using Jerry.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Safeco | $160 | Hettie, 42 Zip: 11777 | Ford Expedition EL Eddie Bauer |
Last Updated Apr 25, 2024
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Port Jefferson
Port Jefferson drivers pay an average of $171 per month or $2,047 per year
for minimum liability coverage. Full coverage policies average $229 per month or $2,749 per year.
Understanding these averages can help provide a general idea of your car insurance costs, but remember, these are just averages—car insurance rates are highly individualized and are influenced by several factors. These factors include age, driving history, claims record, and other demographics.
Car insurance quotes in Port Jefferson by rating factors
Your ZIP code is just one factor insurers use when
calculating your auto insurance premium
. They’ll also consider: - Your driving record and claims history: Compared to those with aclean record, drivers with a poor driving history often pay higher than average premiums.
- Your demographics: Several factors, from your age to your marital status and location can also change your insurance costs.
- Your mileage: The more you drive, the more you’re at risk of being involved in an accident and, therefore, typically pay higher insurance costs.
- The make/model of your car: Luxury cars and sports cars often have higher rates due to the increased risk of theft and vandalism, as well as expensive replacement parts.
- Your credit score: Drivers with strong credit scores generally pay less for car insurance.
How do different factors impact your car insurance costs in Port Jefferson?
How do different factors impact your car insurance costs in Port Jefferson?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Education, occupation, employment status
Learn more about the car insurance rating factors in Port Jefferson:
Cheap car insurance quotes in Port Jefferson after driving violations
Your
New York driving record
can impact your premiums more than you think. A history of violations—even a single speeding ticket or accident—could increase your insurance rates.Other offenses that can influence your rates include:
- Speeding
- DUIs
- At fault accidents
- Driving without or with a suspended license
Cheapest car insurance in Port Jefferson after speeding ticket
Repercussions for speeding in Port Jefferson vary based on how much you exceeded the speed limit, but there’s one commonality regardless of your speed—a
speeding ticket
of any degree will almost certainly increase your insurance rate. Expect significant rate increases if you were speeding enough to snag a reckless driving conviction
.Whether you have a solo speeding ticket or several, many Port Jefferson drivers have used Jerry to save on car insurance.
Last Updated Apr 23, 2024Cheapest car insurance in Port Jefferson after DUI
If you’re convicted of a
DUI violation
in New York, you can expect steep increases to your car insurance premium—it signals to insurers that you’re a high-risk driver
. While your rates will inevitably be higher after a DUI, they can vary from one insurance provider to another. Remember, some insurers may refuse coverage altogether.Luckily, Jerry can still help you find affordable car insurance even after a DUI.
Cheapest car insurance in Port Jefferson after an at-fault accident
Car accidents
on your claim history, especially at-fault accidents, are another reason your car insurance rates will climb; the higher your risk as a policyholder, the higher the insurance premium you’ll pay. Although New York is a
no-fault state
, Port Jefferson drivers can still be deemed at fault for collisions and held responsible for another driver’s property damages. An at-fault accident on your record can result in up to 15% higher rates.If you’ve recently had an accident added to your driving record, shopping around and comparing quotes with Jerry is a simple way to find the most affordable rates.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Nationwide | $62 | Bernice, 42 Zip: 11777 | GMC Envoy | • 50,000/100,000 Liability |
At Fault With No Injury | Nationwide | $62 | Elizabeth, 43 Zip: 11777 | BMW M240i | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Apr 25, 2024Cheapest car insurance in Port Jefferson after other driving violations
Speeding tickets, DUIs, and accidents aren’t the only violations that can increase insurance rates. Any moving violations or points on your
New York driver’s license
can lead to higher rates. Jerry can still help you find the cheapest insurance rates regardless of the driving violation. Check out some of the rates Jerry found for Port Jefferson drivers after different violations:
Last Updated Apr 25, 2024Cheap car insurance quotes in Port Jefferson by age
Age significantly affects car insurance rates—the less experience you have behind the wheel, the more you can expect to pay. Drivers under 25 tend to pay some of the highest insurance rates of any age demographic, regardless of their location.
In most cases, insurance rates will start to decrease steadily after 25. Middle-aged drivers often enjoy the lowest premiums thanks to a hefty amount of driving experience, but rates tend to increase slightly as they enter their 70s.
Cheapest car insurance in Port Jefferson for young drivers
Due to a lack of driving experience, teen drivers between 16 and 19 usually see some of the highest insurance rates in Port Jefferson, NY. Limited experience behind the wheel leads to a higher risk of accidents, which increases auto insurance rates.
Although full coverage is more expensive, teen drivers (and new drivers in general) in Port Jefferson should consider purchasing a policy that includes collision and comprehensive insurance for added financial protection on the road.
And until their
teen car insurance
rates drop, drivers should also consider sharing a policy with a household member, like a parent or legal guardian. 
Roxie (24 years old)
$203
per month
Cheapest car insurance in Port Jefferson for senior drivers
Middle-aged drivers typically enjoy the lowest insurance rates, but as Port Jefferson drivers reach their mid-70s, insurance rates climb.
These higher rates for
senior drivers
are generally a result of age-related factors, such as a potential decrease in vision and hearing impairments.Luckily, Jerry can still help you save! Check out some of the personalized quotes Jerry found for senior drivers in Port Jefferson.
Cheap car insurance quotes in Port Jefferson based on insurance history
Drivers with a long, continuous insurance history tend to see lower insurance rates than drivers who have experienced
lapses in coverage
or have short histories. Good news—Jerry can help you find savings on car insurance coverage even if this is your first policy or you’ve experienced a lapse.
Lela (24 years old)
$203
per month
Hattie (42 years old)
Currently Insured
CoverageState Minimum
Port Jefferson, NY (Zip Code: 11777)
$160
per month
Cecilia (24 years old)
$203
per month
Philip (42 years old)
Currently Insured
CoverageState Minimum
Port Jefferson, NY (Zip Code: 11777)
$160
per month
Jared (24 years old)
$203
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
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They were affordable and great very personable and reasonable.
Audrey
Cheap car insurance quotes in Port Jefferson for popular cars
The make and model of your car will also influence your insurance rates. Luxury, sport, and high-performance cars tend to cost more to insure than smaller, less-expensive cars.
For example, Port Jefferson drivers pay around $1461 a year to insure a Nissan Titan XE, but about $2991 a year to insure an Acura MDX.
Take a look at rates Jerry found for some of the most popular cars in Port Jefferson.
Last Updated Apr 25, 2024How to lower car insurance costs in Port Jefferson
1. Shop around and compare quotes
Remember, the easiest way to find cheap car insurance rates is to compare quotes from multiple providers—Jerry makes that simple. Jerry is
a top insurance agency
providing free, end-to-end service for car, renters, and home insurance with the help of over 100 licensed insurance agents to help you find the most affordable rate in minutes.2. Look for car insurance discounts
Car insurance discounts
are one of the simplest ways to save on your premium—but not every insurance offers the same discounts or rates.Some of the most popular auto insurance discounts include:
- Good driver discounts: Many insurers offer discounts for drivers with clean driving records and/or those who avoid filing claims for a specific period.
- Telematics discounts: Not only can you build safe driving habits with telematics, but you can also save. The safer you drive, the more rewards you can earn.
- Good student discounts: Full-time high school or college students who maintain a B average may qualify for a discount, helping to make teen car insurance more affordable.
- Bundling discounts: Most insurers offer the option tobundle your homeowners and auto insurance(or auto and renters insurance) with the same company to earn a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
Raising your deductible is an easy way to reduce your monthly payments without sacrificing coverage if you have a full coverage car insurance policy. The higher your deductible, the lower your premium.
FAQ
How much is car insurance in Port Jefferson?
On average, Port Jefferson drivers pay $171 per month or $2,047 per year for minimum liability coverage. For full coverage, Port Jefferson drivers pay an average of $229 per month or $2,749 per year.
What is the cheapest car insurance in Port Jefferson?
State-minimum coverage will always be the cheapest type of car insurance. In Port Jefferson, drivers pay an average of $171 per month for minimum coverage. Although cheaper, minimum coverage car insurance doesn’t protect you fully if you’re involved in an accident, so you could be left with out-of-pocket expenses.
What is the minimum car insurance in Port Jefferson, New York?
The minimum car insurance requirements in Port Jefferson are referred to as 25/50/10 coverage—$25,000 in bodily injury liability per person and $50,000 per accident, and $10,000 in property damage liability. Drivers must also carry $25,000 in uninsured motorist coverage per person and $50,000 per accident, and $50,000 of personal injury protection.
What is the best car insurance in Port Jefferson?
Shopping for the best rate on the best coverage is important when purchasing car insurance, but customer service may play a role in your decision. According to Jerry’s nationwide survey, Port Jefferson drivers ranked
USAA
and Nationwide
well in several categories.Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Andrea Barrett
Andrea Barrett is an insurance writer with five years of experience in writing and publishing. Andrea specializes in car insurance, maintenance, and brand reviews, and her mission is to create comprehensive and useful content readers can use to help lower their car-related expenses. Andrea has written nearly 1,500 articles for Jerry on topics ranging from first-time buyer programs to insurance costs and vehicle life expectancies.
Before joining Jerry, Andrea co-founded a successful health food business and created content for clients in the health and wellness industry.
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
