Cheapest Car Insurance Quotes in Amityville

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Amityville Car Insurance

^$ 65

/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 Amityville

The car insurance rate in Amityville is $1714 for a six-month policy, which is $556 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $817, making it a popular choice for budget-conscious drivers. Rates in Amityville 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 Amityville

$1714

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Amityville

1st place: Kemper

At $817 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 $1082 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1151 for six months, making it the third cheapest auto insurance company in Amityville.

Amityville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Amityville, NY is Kemper, offering policies at just $817 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1082.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $2628 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Amityville drivers find the best deals.

Cheap Car Insurance Companies in Amityville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$817	$139
New York Central Mutual Fire	$1082	$181
Progressive	$1151	$194
American Family	$1265	$213
NYCM	$1530	$258
USAA	$1696	$286
Erie	$1732	$292
Nationwide	$1890	$315
Travelers	$1925	$324
State Farm	$2294	$386
Allstate	$2566	$432
Chubb	$2628	$438

Key Takeaways

Way's key takeaways about car insurance in Amityville

The auto insurance costs in Amityville fall around $817 for six months.
The cheapest auto insurance company in Amityville is New York Central Mutual Fire.
Teen drivers pay the highest rate in Amityville at $1322 per month.

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Cheapest Minimum Liability Car Insurance in Amityville

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 Amityville are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Amityville. Their Average 6 Month Premium is $386. Preferred Mutual is the most expensive at $1020 for the same period.

Cheapest Liability Coverage in Amityville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$386	$65
NYCM	$457	$75
Kemper	$475	$81
American Family	$571	$96
Progressive	$589	$99
USAA	$756	$127
Erie	$932	$158
Travelers	$1002	$167
Allstate	$1073	$182
State Farm	$1143	$191
Nationwide	$739	$123
Utica National	$844	$144
Preferred Mutual	$1020	$170

Cheapest Full Coverage Car Insurance in Amityville

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 Amityville is Kemper at $139 per month and $817 for six months.

Cheapest Full Coverage Car Insurance Quotes in Amityville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$817	$139
New York Central Mutual Fire	$1082	$181
Progressive	$1151	$194
American Family	$1265	$213
NYCM	$1530	$258
USAA	$1696	$286
Erie	$1732	$292
Nationwide	$1890	$315
Travelers	$1925	$324
State Farm	$2294	$386
Allstate	$2566	$432
Chubb	$2628	$438

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Average Car Insurance in Amityville 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 Amityville, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Amityville, 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, Amityville's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Amityville

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

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Cheapest Car Insurance Rates for Teen Drivers in Amityville,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Amityville at $95 per month. At $7850 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$554	$95
American Family	$667	$112
NYCM	$1477	$249
Progressive	$1820	$306
New York Central Mutual Fire	$1925	$327
Erie	$3701	$617
USAA	$4070	$685
Travelers	$5353	$901
Nationwide	$5574	$947
Chubb	$5837	$972
Allstate	$6716	$1131
State Farm	$7850	$1322

Teen Car Insurance Rates in NY by Age

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 Amityville, Kemper is the cheapest car insurance provider. At $1240 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 Amityville is Progressive, offering rates of around $7428 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1240	$207
Nationwide	$1890	$321
Chubb	$2242	$377
USAA	$2725	$463
Erie	$2901	$488
American Family	$2945	$500
NYCM	$3297	$549
Allstate	$3595	$605
Mercury	$3666	$611
State Farm	$3789	$638
Travelers	$4387	$739
Progressive	$7428	$1251

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Car Insurance Rates with An Accident in Amityville

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 Amityville, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Amityville

The cheapest car insurance companies after an at-fault accident in Amityville include Kemper and American Family, offering $685 and $703, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $852.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$685	$114
American Family	$703	$118
Progressive	$1082	$182
NYCM	$1100	$185
New York Central Mutual Fire	$1301	$218
USAA	$1477	$249
Erie	$1890	$318
Chubb	$2145	$361
Allstate	$2312	$389
Travelers	$2383	$401
Nationwide	$2497	$416
State Farm	$2919	$491
Utica National	$844	$144
Preferred Mutual	$852	$142

Amityville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Amityville NY. For example, the car insurance in Amityville after a DUI increases to $1056 for a six month policy. While the rate increases by $168 for a six-month policy in the case of a speeding ticket.

Amityville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1854	$309
One Med/PIP claim	$1854	$315
One comp claim	$1872	$312
Two comp claims	$1890	$321
Two Med/PIP claims	$1890	$315
Not-at-fault accident	$1899	$323
Failure to show documents	$1925	$321
Failure to wear a seat belt	$1934	$329
Driving with expired registration	$1952	$326
At-fault accident - less than $1000	$1961	$333
Cell phone violation	$1961	$327
Child safety restraint	$1961	$333
Driving without lights	$1961	$327
Failure to stop at a red light	$1961	$333
Failure to yield	$1961	$327
Following too closely	$1961	$333
Illegal turn	$1961	$327
Improper passing	$1961	$333
Passing school bus	$1961	$327
Texting while driving	$1961	$333
Wrong way/wrong lane	$1961	$327
Driving too slowly	$1979	$336
Speeding in school zone	$1979	$330
At-fault accident - $1000-$2000	$1986	$337
Speeding 11 - 15 MPH over limit	$2022	$337
Speeding 6 - 10 MPH over limit	$2022	$343
Operating a vehicle without permission	$2057	$343
Open container	$2084	$354
In 65 MPH zone	$2171	$363
Speeding 16 - 20 MPH over limit	$2198	$374
Speeding 21 - 25 MPH over limit	$2276	$379
At-fault accident - greater than $2000	$2452	$417
Reckless driving	$2620	$437
Racing	$2725	$463
Driving with a suspended license	$2822	$471
Refusal to submit to a chemical test	$2883	$490
DUI	$2910	$485
Leaving scene of an accident/hit and run	$2954	$502

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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 Amityville 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 Amityville.

The cheapest car insurance premiums in Amityville are offered by American Family at $667 for a six-month policy. However, it can be as expensive as $3297 with companies like Chubb.

Amityville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$667	$112
Kemper	$703	$120
Progressive	$906	$152
NYCM	$1372	$231
New York Central Mutual Fire	$1582	$263
USAA	$1803	$303
Travelers	$2356	$397
Allstate	$2787	$469
Erie	$2874	$480
Nationwide	$3121	$531
State Farm	$3280	$552
Chubb	$3297	$561

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 Amityville are offered by American Family at $589. However, it can be as expensive as $3753 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Amityville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$589	$98
Kemper	$589	$101
Progressive	$852	$144
NYCM	$1381	$235
USAA	$1600	$266
Erie	$1872	$318
Nationwide	$1890	$315
Travelers	$2180	$370
State Farm	$2637	$440
Chubb	$3121	$531
Allstate	$3753	$626

Car Insurance Price Trends in Amityville, New York

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

The average cost of full coverage in the Amityville rose by $407 in January compared to $366 of December. In other words, there has been an increase by $41 when you compare January and December.

The average cost of liability insurance in the Amityville dipped to $118 in January, compared to $126 in December. This represents an decrease of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Amityville?

The car insurance in Amityville is $65 per month, which is lower than the national average.

What is the cheapest car insurance in Amityville?

The cheapest car insurance in Amityville is $139 per month for full coverage.

How much is car insurance in Amityville for teenagers?

Car insurance for teenagers costs $554 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 Amityville?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $287 per month to insure your car in Amityville.

Is car insurance expensive in Amityville?

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

Cheapest Car Insurance Quotes in Amityville

Why you can trust Way?

How Much Is Car Insurance in Amityville

Avg. Car Insurance in Amityville

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Amityville

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Amityville Car Insurance Rates by Company

Cheap Car Insurance Companies in Amityville, NY

Way's key takeaways about car insurance in Amityville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Amityville

Cheapest Liability Coverage in Amityville, NY

Cheapest Full Coverage Car Insurance in Amityville

Cheapest Full Coverage Car Insurance Quotes in Amityville, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Amityville by Rating Factor

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

Car Insurance Premiums by Age in Amityville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Amityville,NY

If you are in your twenties N/A is the best choice for car insurance in Amityville.

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 Amityville

Cheapest Car Insurance Companies after an At-Fault Accident in Amityville

Amityville Car Insurance Rates by Violation

Amityville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Amityville after a DUI

Amityville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Amityville after Speeding ticket

Car Insurance Price Trends in Amityville, New York

Average Car Insurance Cost in Amityville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Amityville, NY

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

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