We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Amenia shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Amenia
The car insurance rate in Amenia is $1080 for a six-month policy, which is $51 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $580, making it a popular choice for budget-conscious drivers. Rates in Amenia 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.
At $580 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 $768 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $774
for six months, making it
the third cheapest auto insurance company in Amenia.
Amenia Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Amenia, NY is Kemper, offering policies at just $580 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $768.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1615 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Amenia drivers find the best deals.
The auto insurance costs in Amenia fall around $580 for six
months.
The cheapest auto insurance company in Amenia is New York Central Mutual Fire.
Teen drivers pay the highest rate in Amenia at $823 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Amenia
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 Amenia are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in Amenia. Their Average 6 Month Premium is $274.
Preferred Mutual is the most
expensive at $723 for the same
period.
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 Amenia is Kemper
at $99 per month and $580
for six months.
Cheapest Full Coverage Car Insurance Quotes in Amenia,
NY
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 Amenia, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Amenia, 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, Amenia's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Amenia
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
$591
30s
National Grange Mutual
$421
40s
National Grange Mutual
$405
50s
National Grange Mutual
$412
60s
National Grange Mutual
$443
70s
National Grange Mutual
$608
Cheapest Car Insurance Rates for Teen Drivers in
Amenia,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Amenia at $65
per
month. At $4890 for a six-month premium,
State Farm offers the most expensive rate for
teen drivers.
If you are in your twenties National Grange Mutual is
the best choice for car
insurance in Amenia.
As young drivers face the highest rates in Amenia, National Grange Mutual
offers the cheapest auto insurance rates at $591 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 Amenia,
Chubb is
the cheapest car insurance provider. At $842 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
Amenia is Progressive, offering
rates of around $5433 for six
months.
Save up to $971/yr on car insurance rates in Amenia.
Car Insurance Rates with An Accident in Amenia
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 Amenia, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Amenia
The cheapest car insurance companies after an at-fault accident in
Amenia include Kemper
and American Family, offering $486
and $499,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$605.
Here is a list of driving violations that can increase your car
insurance rates in Amenia NY. For example, the car
insurance in Amenia
after a DUI increases to $748 for a six
month policy. While the rate increases by $118 for a six-month policy in the case of
a speeding ticket.
Amenia auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1316
$219
One Med/PIP claim
$1316
$224
One comp claim
$1328
$222
Two comp claims
$1341
$228
Two Med/PIP claims
$1341
$224
Not-at-fault accident
$1347
$229
Failure to show documents
$1366
$228
Failure to wear a seat belt
$1372
$233
Driving with expired registration
$1385
$231
At-fault accident - less than $1000
$1391
$236
Cell phone violation
$1391
$232
Child safety restraint
$1391
$236
Driving without lights
$1391
$232
Failure to stop at a red light
$1391
$236
Failure to yield
$1391
$232
Following too closely
$1391
$236
Illegal turn
$1391
$232
Improper passing
$1391
$236
Passing school bus
$1391
$232
Texting while driving
$1391
$236
Wrong way/wrong lane
$1391
$232
Driving too slowly
$1404
$238
Speeding in school zone
$1404
$234
At-fault accident - $1000-$2000
$1409
$239
Speeding 11 - 15 MPH over limit
$1434
$239
Speeding 6 - 10 MPH over limit
$1434
$244
Operating a vehicle without permission
$1460
$244
Open container
$1478
$251
In 65 MPH zone
$1540
$257
Speeding 16 - 20 MPH over limit
$1559
$266
Speeding 21 - 25 MPH over limit
$1615
$269
At-fault accident - greater than $2000
$1740
$296
Reckless driving
$1859
$310
Racing
$1933
$329
Driving with a suspended license
$2002
$334
Refusal to submit to a chemical test
$2045
$348
DUI
$2064
$344
Leaving scene of an accident/hit and run
$2096
$356
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 Amenia 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 Amenia.
The cheapest car insurance premiums in
Amenia are
offered by American Family at $474 for a six-month policy.
However, it can be as
expensive as $2115 with companies
like State Farm.
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 Amenia are offered by American Family
at $418. However,
it can be as expensive as $2145
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Amenia after Speeding ticket
Car insurance rates in Amenia have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Amenia dipped by
$259 in December
compared to $260 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 Amenia dipped to $89 in December,
compared to $92 in November.
This represents an decrease of $3
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Amenia. At $2160 for a
six-month policy, insuring
your car at 12501 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Amenia?
The car insurance in Amenia is $46 per month, which is lower than the national average.
What is the cheapest car insurance in Amenia?
The cheapest car insurance in Amenia
is $99 per month
for full coverage.
How much is car insurance in Amenia for teenagers?
Car insurance for teenagers costs $393 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
Amenia?
The average cost of car insurance is $1029 for a six-month
policy. It will cost around $182 per month to insure your
car in Amenia.
Is car insurance expensive in Amenia?
Car insurance can be expensive in Amenia if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Amenia can be
affordable.
What is the best car insurance in Amenia,
NY?
The best car insurance company in Amenia
NY is
Kemper, offering $580 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Amenia right now.
Find Car Insurance Rates in Cities Near Amenia, NY
Car Insurance Rates by State in the USA (2025 Update)
Amenia Car Insurance
