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Cheapest car insurance in Port Jefferson, New York (Jul 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.
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Andrea Barrett
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Kianna Walpole, Expert Insurance Writer & Editor

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 companyPremium (monthly)CustomerCarInsurance 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
coverageLast Updated Jul 22, 2024

Best 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 companyOverall ratingPriceClaims experienceCustomer 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
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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: 
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Hettie (42 years old)
coverageCoverage
State Minimum
locationPort Jefferson, NY
(Zip Code: 11777)
carFord Expedition EL Eddie Bauer
$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 coverage
    covers your vehicle repair expenses after a collision with another vehicle or stationary object.
  • Comprehensive coverage
    pays 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 coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Safeco
$160
Hettie, 42
Zip: 11777
Ford Expedition EL Eddie Bauer
coverageLast Updated Jul 22, 2024
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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 a
    clean 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?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, marital status, zip code, insurance history
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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:

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.
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Travelers
$60
Sally, 42
Zip: 11777
Honda Odyssey
• 100,000/300,000 Liability
• Comp / Collision
Speeding 6-10
Allstate
$65
Danny, 41
Zip: 11777
Mini Cooper
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 17, 2024

Cheapest 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.
card cover
Benjamin (33 years old)
coverageCoverage
State Minimum
locationPort Jefferson, NY
(Zip Code: 11777)
$72
per month
card cover
Mike (41 years old)
coverageCoverage
State Minimum
locationPort Jefferson, NY
(Zip Code: 11777)
$71
per month

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 typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Safeco
$65
Franklin, 36
Zip: 11777
Acura ZDX
• 100,000/300,000 Liability
At Fault With No Injury
AAA
$80
Lina, 30
Zip: 11777
BMW M235i
• 50,000/100,000 Liability
coverageLast Updated Jul 22, 2024

Cheapest 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:
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Allstate
$67
Belle, 31
Zip: 11777
Chrysler 300
• State Minimum Liability
• Comp / Collision
Defective Equipment
Allstate
$60
Celia, 41
Zip: 11777
RAM Promaster
• 100,000/300,000 Liability
coverageLast Updated Jul 22, 2024

Cheap 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. 
card cover
Roxie (24 years old)
coverageCoverage
State Minimum
locationPort Jefferson, NY
(Zip Code: 11777)
$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.
card cover
Ina (70 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationPort Jefferson, NY
(Zip Code: 11777)
$59
per month
card cover
Frank (74 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationPort Jefferson, NY
(Zip Code: 11777)
$73
per month

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.
card cover
Lela (24 years old)
Currently Insured
coverageCoverage
State Minimum
locationPort Jefferson, NY
(Zip Code: 11777)
$203
per month
card cover
Hattie (42 years old)
Currently Insured
coverageCoverage
State Minimum
locationPort Jefferson, NY
(Zip Code: 11777)
carFord Expedition EL Eddie Bauer
$160
per month
card cover
Cecilia (24 years old)
Currently Insured
coverageCoverage
State Minimum
locationPort Jefferson, NY
(Zip Code: 11777)
$203
per month
card cover
Philip (42 years old)
Currently Insured
coverageCoverage
State Minimum
locationPort Jefferson, NY
(Zip Code: 11777)
carFord Expedition EL Eddie Bauer
$160
per month
card cover
Jared (24 years old)
Currently Insured
coverageCoverage
State Minimum
locationPort Jefferson, NY
(Zip Code: 11777)
$203
per month

How 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.

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

avatar
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.
avatar
Kianna Walpole
badge icon
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.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
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.