Cheapest Car Insurance Quotes in Adams Center

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Adams Center Car Insurance

^$ 32

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Adams Center

The car insurance rate in Adams Center is $751 for a six-month policy, which is $278 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $403, making it a popular choice for budget-conscious drivers. Rates in Adams Center can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Adams Center

$751

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Adams Center

1st place: Kemper

At $403 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: New York Central Mutual Fire

New York Central Mutual Fire offers auto insurance rates at $534 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $538 for six months, making it the third cheapest auto insurance company in Adams Center.

Adams Center Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Adams Center, NY is Kemper, offering policies at just $403 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $534.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1123 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Adams Center drivers find the best deals.

Cheap Car Insurance Companies in Adams Center, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$403	$69
New York Central Mutual Fire	$534	$89
Progressive	$538	$91
American Family	$624	$105
NYCM	$655	$110
Erie	$785	$131
Nationwide	$789	$134
USAA	$794	$134
State Farm	$984	$166
Travelers	$1037	$174
Allstate	$1123	$189

Key Takeaways

Way's key takeaways about car insurance in Adams Center

The auto insurance costs in Adams Center fall around $403 for six months.
The cheapest auto insurance company in Adams Center is New York Central Mutual Fire.
Teen drivers pay the highest rate in Adams Center at $572 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Adams Center

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Adams Center are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Adams Center. Their Average 6 Month Premium is $191. Preferred Mutual is the most expensive at $503 for the same period.

Cheapest Liability Coverage in Adams Center, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$191	$32
NYCM	$199	$34
Kemper	$234	$39
Progressive	$277	$47
American Family	$282	$47
USAA	$342	$58
Nationwide	$364	$61
Erie	$460	$78
State Farm	$534	$90
Travelers	$572	$96
Allstate	$599	$101
Utica National	$416	$71
Preferred Mutual	$503	$84

Cheapest Full Coverage Car Insurance in Adams Center

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Adams Center is Kemper at $69 per month and $403 for six months.

Cheapest Full Coverage Car Insurance Quotes in Adams Center, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$403	$69
New York Central Mutual Fire	$534	$89
Progressive	$538	$91
American Family	$624	$105
NYCM	$655	$110
Erie	$785	$131
Nationwide	$789	$134
USAA	$794	$134
State Farm	$984	$166
Travelers	$1037	$174
Allstate	$1123	$189

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Average Car Insurance in Adams Center by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Adams Center, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Adams Center, New York, may be increasing due to several external factors. New York has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Adams Center's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Adams Center

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	National Grange Mutual	$411
30s	National Grange Mutual	$293
40s	National Grange Mutual	$282
50s	National Grange Mutual	$286
60s	National Grange Mutual	$308
70s	National Grange Mutual	$423

Cheapest Car Insurance Rates for Teen Drivers in Adams Center,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Adams Center at $45 per month. At $3400 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$273	$45
American Family	$329	$55
NYCM	$550	$93
Progressive	$872	$147
New York Central Mutual Fire	$950	$158
USAA	$1743	$293
Nationwide	$2277	$380
Travelers	$2819	$475
Allstate	$3048	$513
State Farm	$3400	$572

Teen Car Insurance Rates in NY by Age

Way Tip

If you are in your twenties National Grange Mutual is the best choice for car insurance in Adams Center.

As young drivers face the highest rates in Adams Center, National Grange Mutual offers the cheapest auto insurance rates at $411 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Adams Center, Chubb is the cheapest car insurance provider. At $585 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Adams Center is Progressive, offering rates of around $3777 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$585	$98
Kemper	$612	$104
Nationwide	$789	$131
USAA	$1093	$186
NYCM	$1140	$190
Erie	$1236	$210
American Family	$1453	$242
Allstate	$1487	$250
State Farm	$1540	$259
Mercury	$1808	$307
Travelers	$1847	$311
Progressive	$3777	$636

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Car Insurance Rates with An Accident in Adams Center

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Adams Center, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Adams Center

The cheapest car insurance companies after an at-fault accident in Adams Center include Kemper and American Family, offering $338 and $347, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $420.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$338	$56
American Family	$347	$58
NYCM	$420	$71
Erie	$460	$78
Chubb	$507	$85
Progressive	$555	$93
New York Central Mutual Fire	$642	$107
USAA	$689	$116
Nationwide	$1037	$173
Allstate	$1045	$176
State Farm	$1262	$212
Travelers	$1283	$216
Utica National	$416	$71
Preferred Mutual	$420	$70

Adams Center Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Adams Center NY. For example, the car insurance in Adams Center after a DUI increases to $520 for a six month policy. While the rate increases by $82 for a six-month policy in the case of a speeding ticket.

Adams Center auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$915	$153
One Med/PIP claim	$915	$155
One comp claim	$923	$154
Two comp claims	$932	$158
Two Med/PIP claims	$932	$155
Not-at-fault accident	$937	$159
Failure to show documents	$950	$158
Failure to wear a seat belt	$954	$162
Driving with expired registration	$963	$161
At-fault accident - less than $1000	$967	$164
Cell phone violation	$967	$161
Child safety restraint	$967	$164
Driving without lights	$967	$161
Failure to stop at a red light	$967	$164
Failure to yield	$967	$161
Following too closely	$967	$164
Illegal turn	$967	$161
Improper passing	$967	$164
Passing school bus	$967	$161
Texting while driving	$967	$164
Wrong way/wrong lane	$967	$161
Driving too slowly	$976	$166
Speeding in school zone	$976	$163
At-fault accident - $1000-$2000	$980	$166
Speeding 11 - 15 MPH over limit	$997	$166
Speeding 6 - 10 MPH over limit	$997	$169
Operating a vehicle without permission	$1015	$169
Open container	$1028	$174
In 65 MPH zone	$1071	$179
Speeding 16 - 20 MPH over limit	$1084	$185
Speeding 21 - 25 MPH over limit	$1123	$187
At-fault accident - greater than $2000	$1210	$206
Reckless driving	$1292	$215
Racing	$1344	$228
Driving with a suspended license	$1392	$232
Refusal to submit to a chemical test	$1422	$242
DUI	$1435	$239
Leaving scene of an accident/hit and run	$1457	$247

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Adams Center after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Adams Center.

The cheapest car insurance premiums in Adams Center are offered by American Family at $329 for a six-month policy. However, it can be as expensive as $1470 with companies like State Farm.

Adams Center car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$329	$55
Kemper	$347	$59
Progressive	$420	$71
NYCM	$529	$89
New York Central Mutual Fire	$780	$130
USAA	$832	$140
Allstate	$1236	$208
Travelers	$1270	$214
Nationwide	$1288	$215
State Farm	$1470	$247

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Adams Center are offered by American Family at $291. However, it can be as expensive as $1491 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Adams Center after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$291	$50
Kemper	$291	$48
Progressive	$360	$61
NYCM	$481	$80
USAA	$655	$112
Nationwide	$902	$150
State Farm	$976	$166
Travelers	$1426	$238
Allstate	$1491	$253

Car Insurance Price Trends in Adams Center, New York

Car insurance rates in Adams Center have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Adams Center dipped by $180 in December compared to $181 of November. In other words, there has been an decrease by $1 when you compare December and November.

The average cost of liability insurance in the Adams Center dipped to $62 in December, compared to $64 in November. This represents an decrease of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Adams Center?

The car insurance in Adams Center is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Adams Center?

The cheapest car insurance in Adams Center is $69 per month for full coverage.

How much is car insurance in Adams Center for teenagers?

Car insurance for teenagers costs $273 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Adams Center?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $126 per month to insure your car in Adams Center.

Is car insurance expensive in Adams Center?

Car insurance can be expensive in Adams Center if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Adams Center can be affordable.

Cheapest Car Insurance Quotes in Adams Center

Why you can trust Way?

How Much Is Car Insurance in Adams Center

Avg. Car Insurance in Adams Center

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Adams Center

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Adams Center Car Insurance Rates by Company

Cheap Car Insurance Companies in Adams Center, NY

Way's key takeaways about car insurance in Adams Center

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Adams Center

Cheapest Liability Coverage in Adams Center, NY

Cheapest Full Coverage Car Insurance in Adams Center

Cheapest Full Coverage Car Insurance Quotes in Adams Center, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Adams Center by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Adams Center, NY increasing?

Car Insurance Premiums by Age in Adams Center

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Adams Center,NY

If you are in your twenties National Grange Mutual is the best choice for car insurance in Adams Center.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Adams Center

Cheapest Car Insurance Companies after an At-Fault Accident in Adams Center

Adams Center Car Insurance Rates by Violation

Adams Center auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Adams Center after a DUI

Adams Center car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Adams Center after Speeding ticket

Car Insurance Price Trends in Adams Center, New York

Average Car Insurance Cost in Adams Center by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Adams Center, NY

Car Insurance Rates by State in the USA (2025 Update)

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