4.8out of 3,000+ reviews

Cheap Auto Insurance Quotes in Bay Shore, NY, for September 2022

Secure. Free. Easy-to-use.
Advertising disclosures
auto insurance

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
JJ Starr

By: JJ Starr

Edited by Danny Smith

Updated August 2, 2022

Quick Facts

  • The average cost of car insurance in Bay Shore is $299 per month or $3,588 annually.
  • Car insurance in Bay Shore is $50 less than the average cost of insurance in New York.
  • The cheapest top car insurance provider in Bay Shore on average is Travelers.

Car Insurance in Bay Shore, NY

Bay Shore drivers pay $50 less than on average in premiums than New York residents. For drivers looking to save even more, there are plenty of ways to lower auto insurance rates and save some money. Comparing car insurance quotes before buying a policy is one of the best ways to get an affordable rate.

Quotes by Top Companies

Travelers
$227
Nationwide
$249
Progressive
$337
Liberty Mutual
$438
Bristol West
$598

Cheapest Car Insurance in Bay Shore, NY

What is the cheapest car insurance in Bay Shore?

Travelers is the cheapest top car insurance provider on average in Bay Shore, with rates starting at $227 per month. It’s still important to compare car insurance rates because everyone’s situation is unique.

Thousands of Bay Shore drivers have generated free quotes with Insurify. We reviewed our data to understand which car insurance companies consistently offered the best price on car insurance. As you review the average costs below, remember that the lowest price isn’t always the best value. A policy with higher limits or additional perks may cost just a few dollars more.

Insurance CompanyAverage Monthly Quote
Travelers$227
Nationwide$249
Progressive$337
Liberty Mutual$438
Bristol West$598
TSC Direct$145
Kemper Preferred$162
Safeco$251
Plymouth Rock$288
Midvale Home & Auto$301
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

Minimum Car Insurance Requirements in New York

Every state has unique minimum car insurance requirements for its drivers. New Yorkers getting behind the wheel will need to have both bodily injury and personal property liability coverage[1]. Read more on New York’s minimum car insurance requirements.

Bay Shore Car Insurance Rates by Driving and Accident History

Your driving record has one of the largest impacts on your car insurance premium costs compared to other factors[2]. Drivers with clean records pay less than people with incidents in their driving history for the same coverage. Drivers with multiple small incidents or one significant incident, such as a DUI, tend to pay the most or may have difficulty getting coverage.

Driver HistoryAverage Monthly Cost
Clean Record$340
Speeding Ticket$456
At-Fault Accident$496
DUI$677
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Bay Shore Car Insurance Rates by Credit Tier

Did you know that your credit score affects your car insurance costs[3]? People with excellent credit scores obtain more affordable car insurance rates than people with average or poor credit scores. In Bay Shore, drivers with excellent credit scores save quite a bit on car insurance premiums—one more big reason to maintain good financial practices.

Credit TierAverage Monthly Cost
Excellent$283
Good$335
Average$368
Poor$570
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How to Get the Cheapest Car Insurance in Bay Shore

Affordable car insurance is possible when you set up your car insurance policy for savings, use discounts, and compare quotes before you buy. To set up your policy for savings, you should consider exactly what coverage options you need and how much you need. Remember that higher limits typically cost little. Next, you need to take advantage of all the discounts you can.

Bundling auto insurance with other insurance needs, such as home insurance, life insurance, business insurance, and renters insurance, usually offers the best discount. Finally, you can compare rates by using Insurify. Just one form gets you free quotes from top auto insurance companies in your area. Adjust coverage options to see the full range of prices available to you.

Frequently Asked Questions

  • Even though car insurance is on the more expensive side in Bay Shore, you can still find ways to lower your rate. First, be sure you are getting all the discounts you can. Next, consider raising your deductibles and dropping full coverage if you drive an older vehicle. Lastly, compare car insurance quotes from multiple insurers so you know you’re getting the best policy.

  • Bay Shore drivers spend $299 per month on average on car insurance premiums, $50 less than the average cost for drivers in New York. According to the thousands of quotes generated for free with Insurify, several insurers offer affordable rates, including Travelers and Nationwide.

  • There are a few incidents that can cause your car insurance rates to increase. Receiving a speeding citation, even a minor one, can cause your rates to go up. More serious incidents, like a DUI or an at-fault car accident, cause bigger increases, sometimes by more than $100 a month. Changes to your vehicle and credit score can also influence your rate.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

JJ Starr
JJ Starr
Linkedin

Insurance Writer

J.J. Starr is a health and finance writer with a background in banking, lending, and financial advising. She holds a Series 6, FINRA, and life insurance licensure and a master's degree from New York University. Through her writing, she strives to use her decade of experience to help consumers make sound financial choices. Connect with J.J. on LinkedIn.

Learn More

Sources

  1. New York Department of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed July 21, 2022
  2. dmv.org. "Driving Records in New York." Accessed July 29, 2022
  3. New York State Department of Financial Services. "Shopping for Auto Insurance." Accessed July 29, 2022