On average your neighbors pay $103 a month.See Your Rates
Home to the Binghamton University Bearcats, Binghamton, New York, has much to offer residents. Snuggled between New York and Pennsylvania, it is quaintly known as the Valley of Opportunity.
How much is car insurance in Binghamton, NY? Residents shouldn't be surprised to hear car insurance costs more in Binghamton than it does in many other parts of the US. Average insurance rates in New York are a bit higher than the national average. The average cost of auto insurance in New York is $1,234.84 per year. The national average price is $889.01.
Prices vary depending on zip code, so you may pay less.
|Total Cost Per Year||$1,234.84|
|Price Per Month||$102.90|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the change in average New York insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, New York car insurance rates increased from $1,111 in 2011 to $1,234 in 2015, a jump of $123, or 11.12 percent.
Let QuoteWizard help you take the opportunity to find cheap car insurance rates near Binghamton, New York. We do this by connecting consumers to national insurance carriers and local independent agents so they can compare quotes. You can save up to 40 percent on your car insurance policy by shopping around in this way.
Last year, many local residents used QuoteWizard to compare auto insurance quotes in Binghamton, NY from multiple companies to find the cheapest rates.
This is our list of the most common car insurance companies reported by QuoteWizard users living in Binghamton, New York last year.
These are the most common car makes and models owned by Binghamton, NY drivers who requested quotes through QuoteWizard last year.
Binghamton, New York has a minimum coverage requirement known as the 25/50/10 rule. This means each car insurance policy must include at least the following three components:
The policy must be in the name of the vehicle's registered owner and the coverage must remain in effect as long as the registration is valid even if you don't use the vehicle.
Driving conditions like weather and traffic congestion can influence Binghamton insurance rates.
Binghamton, like most of New York, has a nice climate. Summers here are warm, and residents enjoy as many as 152 days of at least partial sunshine annually. Interestingly, the city also sees about 152 days of precipitation each year. Binghamton receives an average of 52 inches of snowfall annually.
According to a recent study by TRIP, 38 percent of the major roads in and around the state of New York are in poor condition. Another 42 percent are in mediocre or fair condition. Binghamton is no exception. These road conditions—as well as related traffic congestion, extra vehicle operating costs, and safety issues—cost residents $1,406 per driver.
The City of Binghamton has made many attempts to make it easier for residents to report road problems, including potholes. You can directly contact the public works department if there's a pothole in your area. You can also download the city’s app that allows you to fill out a request and then keep track of it.
According to traffic data provider Inrix's 2015 Urban Mobility Scorecard, Binghamton commuters were delayed a total of 2,679 hours in traffic, breaking down to 16 hours per commuter. The extreme traffic congestion cost commuters around $382 each.
Speeding tickets, running red lights, accidents, and drunk driving are some of the moving violations that will give you a bad driving record and lead to higher insurance rates.
The New York Department of Motor Vehicles website allows you to pay non-criminal traffic citations and tells drivers how to request a hearing to contest a ticket.
The Binghamton Police Department issued 5,019 traffic tickets in 2013.
Binghampton police issued 211 citations for suspicion of driving while intoxicated (DWI) in 2013 .
A DWI conviction will require you to obtain an SR-22 form. To get the lowest rate for the most expensive type of coverage, get a quote and we'll connect you with local agents from top companies that specialize in Binghamton DWI insurance.
Binghamton officials reported 68 car crashes in 2016 resulting in 19 injuries.
Binghamton experienced no traffic fatalities in 2016 and considering the estimated population of 45,462 Binghamton is a safe city in terms of traffic fatalities per capita.
Binghamton officials reported 184 motor vehicle thefts in 2016. This theft rate of 4.00 auto thefts per 1,000 residents. This is much higher than the national average of 2.20 thefts per 1,000 people.
Are you looking to lower your rates by finding affordfable car insurance? These are some of the many auto insurance discounts available to drivers in Binghamton, NY.
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