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Cheapest car insurance in Patchogue, New York (Nov 2024)
Cheapest car insurance in Patchogue, New York (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Patchogue, New York.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Kianna Walpole
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor
What's on this page?
- How to find the cheapest car insurance quotes in Patchogue
- Best car insurance companies in Patchogue
- Best cheap car insurance quotes in Patchogue
- Car insurance quotes in Patchogue by rating factors
- How do different factors impact your car insurance costs in Patchogue?
- Cheap car insurance quotes in Patchogue after driving violations
- Cheap car insurance quotes in Patchogue by age
- Cheap car insurance quotes in Patchogue based on insurance history
- Cheap car insurance quotes in Patchogue for popular cars
- How to lower car insurance costs in Patchogue
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance quotes in Patchogue
On average,
auto insurance
in Patchogue costs about $164 per month for minimum coverage liability insurance, and about $250 per month for full coverage insurance. Patchogue drivers pay 60% than the New York
average. Coverage type | Patchogue, NY | New York | United States |
|---|---|---|---|
State minimum | $164 | $122 | $77 |
Full coverage | $250 | $211 | $165 |
Every month, thousands of wise car insurance shoppers in Patchogue come to
Jerry
to compare and buy car insurance
most efficiently. While there are several providers who offer lower than average rates in Patchogue, here are a few honorable mentions:
Cheapest car insurance companies in Patchogue, NY
Cheapest car insurance companies in Patchogue, NY
Overall standout: NYCM Standard
$57/month for liability-only, $125/month for full coverage
Best for minimum coverage: Kemper Preferred
$34/month on average
Best for full coverage: Safeco
$165/month on average
Best car insurance companies in Patchogue
To give drivers a clearer look into how the most affordable car insurance companies compare, Jerry conducted the largest insurance survey in the nation. The results: the cheapest insurer varies from person to person.
Since
car insurance quotes
are based on individual factors like your age and driving record, along with each insurer’s individual calculation formula, this is only to be expected. Price isn’t everything either: claim handling and customer service are also important qualities to review when choosing an insurer.
In our recent survey, we also had our Patchogue respondents rate their current providers in these supplement categories to help drivers find the most cost-effective companies in the city.
Below is a table containing the top insurers who not only scored 4.0 or higher on our survey, but also who have the lowest coverage costs in Patchogue.
Insurance company | Monthly minimum coverage cost | Monthly full coverage cost | Customer service score | Overall Jerry score |
|---|---|---|---|---|
$147 | $277 | 3.8 | 3.6 | |
$50 | $214 | 4 | 4.3 | |
$158 | $248 | 4.2 | 4.3 | |
$73 | $178 | 4.6 | 4.5 |
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 Patchogue
Drivers in Patchogue are legally required to carry New York’s minimum liability coverage, uninsured motorist coverage, and personal injury protection (PIP)—but you may want to consider full coverage for added financial protection.
Cheap minimum liability insurance quotes in Patchogue
As per New York car insurance laws, Patchogue drivers must carry the state’s minimum coverage limits to legally drive on NY roads.
The state’s minimum car insurance coverage includes:
- $10,000 per accident ofproperty damage liability coverage
- $25,000 per person / $50,000 per accident ofbodily injury liability coverage
- $25,000 per person / $50,000 per accident of bodily injuryuninsured motorist coverage
- $50,000 ofpersonal injury protection
Check out some of the best providers for low minimum coverage rates below:
Insurance company | Monthly minimum coverage cost |
|---|---|
$147 | |
$51 | |
$158 | |
$84 | |
$73 |
Do you need more than minimum coverage in Patchogue?
New York’s car insurance requirements are fairly high compared to other states, but extra coverage is still a good idea for Patchogue drivers.
Additional protection like collision coverage could save you from costs associated with unexpected damages to your car. Increasing liability limits can also help prevent you from paying out of pocket—especially if you’re ever at fault in an accident resulting in a totaled vehicle (or more than one).
The risk of winter storms, heavy rain, and high winds in Patchogue causing non-collision damage to your car may also make a strong case for adding comprehensive coverage. This type of protection can also keep you financially secure against vandalism and vehicle theft.
The bottom line: For better financial protection in Patchogue, explore different coverage options. Consider full coverage with collision and comprehensive insurance, and add extra protection by increasing your liability limits.
Cheap full coverage car insurance quotes in Patchogue
New York’s minimum car insurance requirements are meant to protect drivers from paying out of pocket for repairs and replacements if an accident were to occur. But to protect your vehicle from repairs and replacements, full-coverage car insurance is the way to go.
- Collision coverage protects you from costs associated with repairing or replacing your vehicle after an accident
- Comprehensive coverage kicks in if your vehicle is stolen or requires repairs for non-collision damages
Typically, leased or financed vehicles require collision and comprehensive coverage. Drivers in Patchogue, New York, can typically find the cheapest rates for full coverage with the following providers:
Insurance company | Monthly full coverage cost |
|---|---|
$406 | |
$277 | |
$542 | |
$214 | |
$248 | |
Safeco | $165 |
$178 |
Car insurance quotes in Patchogue by rating factors
- Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
- Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
- Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
- Your mileage: High annual mileage can result in higher insurance costs.
- The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
- Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.
How do different factors impact your car insurance costs in Patchogue?
How do different factors impact your car insurance costs in Patchogue?
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 Patchogue:
Cheap car insurance quotes in Patchogue after driving violations
Your driving history is one of the main factors that impact your insurance rate. You will be quoted higher if insurance carriers observe a history of violations or risky driving. Common driving violations that can raise your rates include:
Cheapest car insurance in Patchogue after speeding ticket
The law generally classifies speeding violations in terms of various levels depending on how much the speed limit was exceeded. Levels generally include:
- 1-5 mph over the limit
- 6-10 mph over the limit
- 11-15 mph over the limit
- 16-20 mph over the limit
Although a speeding ticket will likely increase your Patchogue insurance premiums, you can still find cost-effective car insurance with these providers:
Insurance company | Monthly coverage cost |
|---|---|
$218 | |
$374 | |
$395 |
Cheapest car insurance in Patchogue after DUI
A
DUI violation
will certainly skyrocket your car insurance rate in Patchogue. New York laws strictly prohibit driving under the influence and a single offense is enough to significantly increase your premiums.While your rates will inevitably be higher after a DUI, they can still vary from one insurance provider to another. The best way to find the most affordable rate after a DUI is to compare rates from multiple carriers.
To help you get started, take a look at the insurers who provide some of the cheapest rates for drivers with a DUI in New York.
Insurance company | Monthly coverage cost |
|---|---|
$421 | |
$101 | |
$218 |
Cheapest car insurance in Patchogue after an at-fault accident
Car accidents
on your claim history can significantly impact your car insurance rates in Patchogue. This is because insurance providers look at your at-fault accidents to assess the level of risk you pose as a policyholder. Even though New York is a
no-fault state
, Patchogue drivers can still be deemed at fault for collisions and held responsible for another driver’s property damages. Having an at-fault accident on your record can lead to as much as 15% higher rates. To find lower than average full coverage rates after an at-fault accident, check out some of these top insurers:
Insurance company | Monthly coverage cost |
|---|---|
$256 | |
$531 | |
$145 |
Cheapest car insurance in Patchogue after other driving violations
Speeding tickets, DUIs, careless driving, and
suspended licenses
on your driving record can all lead to rate hikes from any car insurance provider in Patchogue.Here’s a list of different driving violations and their average rates in Patchogue, New York:
Violation | Top insurance provider | Monthly coverage cost |
|---|---|---|
Cell Phone | $526 | |
Seat Belt | $206 | |
Failure to Stop | $271 |
But despite these numbers, it doesn’t mean you can continue to save. Some providers, including
AAA
($163/month) offer the lowest rates for drivers after a careless driving conviction, and others, such as Plymouth Rock
($251/month) and Safeco
($273/month) provide cheaper than average premiums after a distracted driving charge.To find your most affordable rate, compare prices from several insurance companies.
Cheap car insurance quotes in Patchogue by age
Young people and seniors generally face the highest insurance rates.
Due to their restricted driving backgrounds, young drivers typically pay more for insurance—especially in New York. Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid 70s.
Here are the average premium amounts drivers of different age groups pay for coverage in Patchogue:
Age | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
22-25 | $211 | $312 |
26-34 | $242 | $305 |
35-44 | $174 | $229 |
45-54 | $149 | $212 |
55-64 | $155 | $213 |
65+ | $171 | $221 |
Cheapest car insurance in Patchogue for young drivers
Car insurance can be high for everyone in Patchogue, but teen drivers between the ages of 16 to 19 usually receive higher-than-average rates—even if they have a clean driving record.
The likelihood of a teen driver filing an insurance claim can be quite high, as well. To stay well-protected on the roads, teen drivers should be on a policy with full coverage in case an accident occurs. Staying on a parent’s policy is an ideal way to keep those
teen car insurance
rates lower, too.In the meantime, check out some of the top providers for cheap teen car insurance in the city:
Insurance company | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
$191 | $322 | |
$169 | $252 |
Cheapest car insurance in Patchogue for middle-aged drivers
As drivers gain more experience behind the wheel, their rates lower. Drivers 25-54 see some of the cheapest rates for all age demographics.
While driver premiums are often lower than average for this age group, drivers can still achieve even cheaper costs by looking into car insurance discounts, bundling policies, and comparing rates with some of the top providers in their area.
If you're a driver between the ages of 25 and 54, here are some of the premium costs you could pay with these insurers:
Insurance company | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
$51 | $175 | |
$143 | $185 | |
$174 | $144 |
Cheapest car insurance in Patchogue for senior drivers
Drivers can expect higher premiums once they reach 70 to 75 years old. These higher rates for
senior drivers
are supported by statistics that observe seniors as more likely to face accidents and subsequent injuries, incurring medical expenses and additional costs for insurance providers.For senior drivers seeking a cost-effective full coverage policy, consider one of these insurers:
Insurance company | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
$90 | $294 | |
$354 | $514 | |
$101 | $145 |
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Cheap car insurance quotes in Patchogue based on insurance history
Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
. Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status. Here are some of the top providers for full coverage for drivers in Patchogue with a poor insurance history:
Insurance company | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
$73 | $367 | |
$372 | $610 | |
$168 | $252 | |
$121 | $192 |
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Cheap car insurance quotes in for drivers with poor credit
Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
Credit score | Monthly coverage cost |
|---|---|
601-699 | $154 |
700+ | $93 |
But no matter your credit score, you can still save on full coverage car insurance with these companies:
Insurance company | Monthly full coverage cost |
|---|---|
$98 | |
$103 | |
$126 |
Cheap car insurance quotes in Patchogue for popular cars
Your insurance rate is based on multiple factors, including the type of car you drive. If your car might require expensive repairs or replacement, attracts high theft rates, or has poor safety ratings, your insurance premiums will likely be higher than if you had a low-risk vehicle.
This is why it’s important to compare prices across some of the best companies in Patchogue, New York.
When it comes to a 2022 Nissan Rogue, providers such as
Progressive
($119/month) offer some of the lowest rates. On the other hand, a 2022 Toyota RAV4 SE is often cheapest with AAA
($104/month), Travelers
($106/month), and State Auto
($136/month).To help you find the cheapest provider for your vehicle, we’ve compiled a list of some of the most popular vehicles in Patchogue and found their most cost-effective provider:
Vehicle type | Top insurance provider | Monthly full coverage cost |
|---|---|---|
$86 | ||
$192 | ||
$325 | ||
$570 |
How to lower car insurance costs in Patchogue
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. If you remain accident- and violation-free for a set number of years (typically three to five) you may qualify for a discounted rate from your insurer.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
How much is car insurance in Patchogue?
People living in Patchogue pay on average $164 per month – or $1,968 per year – on state-minimum liability coverage. Full coverage in Patchogue costs on average $250 per month or $3,000 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Patchogue?
Most Patchogue drivers find the lowest rates with providers such as NYCM Standard, Kemper Preferred, and Safeco. However, keep in mind that no single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you.
What is the minimum car insurance in Patchogue, New York?
The state-minimum car insurance in Patchogue, New York is $25,000 in bodily injury liability per person, $50,000 per accident, and $50,000 for damage to property. These coverages are commonly referred to as 25/50/50 coverage.
What is the best car insurance in Patchogue?
For a full coverage policy, most Patchogue drivers find lower than average rates with NYCM Standard, Safeco, and Travelers. When it comes to the state minimum, Kemper Preferred, Nationwide, and NYCM Standard offer the cheapest coverage.
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
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.
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
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.