Cheapest Car Insurance Quotes in Ardsley

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Ardsley Car Insurance

^$ 52

/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 Ardsley

The car insurance rate in Ardsley is $1214 for a six-month policy, which is $185 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $651, making it a popular choice for budget-conscious drivers. Rates in Ardsley 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 Ardsley

$1214

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Ardsley

1st place: Kemper

At $651 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 $863 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $870 for six months, making it the third cheapest auto insurance company in Ardsley.

Ardsley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ardsley, NY is Kemper, offering policies at just $651 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $863.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1815 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ardsley drivers find the best deals.

Cheap Car Insurance Companies in Ardsley, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$651	$111
New York Central Mutual Fire	$863	$144
Progressive	$870	$146
American Family	$1009	$170
NYCM	$1058	$178
Erie	$1269	$211
Nationwide	$1276	$217
USAA	$1283	$216
State Farm	$1591	$268
Travelers	$1676	$282
Allstate	$1815	$306

Key Takeaways

Way's key takeaways about car insurance in Ardsley

The auto insurance costs in Ardsley fall around $651 for six months.
The cheapest auto insurance company in Ardsley is New York Central Mutual Fire.
Teen drivers pay the highest rate in Ardsley at $925 per month.

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Cheapest Minimum Liability Car Insurance in Ardsley

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 Ardsley are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Ardsley. Their Average 6 Month Premium is $308. Preferred Mutual is the most expensive at $813 for the same period.

Cheapest Liability Coverage in Ardsley, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$308	$52
NYCM	$322	$54
Kemper	$379	$63
Progressive	$448	$76
American Family	$455	$77
USAA	$553	$93
Nationwide	$589	$98
Erie	$743	$126
State Farm	$863	$145
Travelers	$925	$156
Allstate	$968	$163
Utica National	$673	$114
Preferred Mutual	$813	$136

Cheapest Full Coverage Car Insurance in Ardsley

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 Ardsley is Kemper at $111 per month and $651 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ardsley, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$651	$111
New York Central Mutual Fire	$863	$144
Progressive	$870	$146
American Family	$1009	$170
NYCM	$1058	$178
Erie	$1269	$211
Nationwide	$1276	$217
USAA	$1283	$216
State Farm	$1591	$268
Travelers	$1676	$282
Allstate	$1815	$306

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Average Car Insurance in Ardsley 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 Ardsley, NY increasing?

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

Car Insurance Premiums by Age in Ardsley

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	$664
30s	National Grange Mutual	$473
40s	National Grange Mutual	$455
50s	National Grange Mutual	$463
60s	National Grange Mutual	$498
70s	National Grange Mutual	$683

Cheapest Car Insurance Rates for Teen Drivers in Ardsley,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Ardsley at $73 per month. At $5495 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$441	$73
American Family	$532	$90
NYCM	$890	$150
Progressive	$1409	$237
New York Central Mutual Fire	$1535	$256
USAA	$2818	$474
Nationwide	$3680	$614
Travelers	$4556	$767
Allstate	$4928	$830
State Farm	$5495	$925

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 Ardsley.

As young drivers face the highest rates in Ardsley, National Grange Mutual offers the cheapest auto insurance rates at $664 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 Ardsley, Chubb is the cheapest car insurance provider. At $946 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 Ardsley is Progressive, offering rates of around $6105 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$946	$158
Kemper	$989	$168
Nationwide	$1276	$212
USAA	$1766	$301
NYCM	$1843	$307
Erie	$1998	$340
American Family	$2348	$392
Allstate	$2404	$405
State Farm	$2489	$419
Mercury	$2923	$497
Travelers	$2985	$503
Progressive	$6105	$1028

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Car Insurance Rates with An Accident in Ardsley

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

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

The cheapest car insurance companies after an at-fault accident in Ardsley include Kemper and American Family, offering $546 and $561, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $680.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$546	$91
American Family	$561	$94
NYCM	$680	$114
Erie	$743	$126
Chubb	$820	$137
Progressive	$897	$151
New York Central Mutual Fire	$1037	$173
USAA	$1114	$188
Nationwide	$1676	$280
Allstate	$1690	$284
State Farm	$2040	$343
Travelers	$2074	$349
Utica National	$673	$114
Preferred Mutual	$680	$113

Ardsley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ardsley NY. For example, the car insurance in Ardsley after a DUI increases to $841 for a six month policy. While the rate increases by $133 for a six-month policy in the case of a speeding ticket.

Ardsley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1479	$247
One Med/PIP claim	$1479	$251
One comp claim	$1493	$249
Two comp claims	$1507	$256
Two Med/PIP claims	$1507	$251
Not-at-fault accident	$1514	$257
Failure to show documents	$1535	$256
Failure to wear a seat belt	$1542	$262
Driving with expired registration	$1556	$260
At-fault accident - less than $1000	$1564	$266
Cell phone violation	$1564	$261
Child safety restraint	$1564	$266
Driving without lights	$1564	$261
Failure to stop at a red light	$1564	$266
Failure to yield	$1564	$261
Following too closely	$1564	$266
Illegal turn	$1564	$261
Improper passing	$1564	$266
Passing school bus	$1564	$261
Texting while driving	$1564	$266
Wrong way/wrong lane	$1564	$261
Driving too slowly	$1578	$268
Speeding in school zone	$1578	$263
At-fault accident - $1000-$2000	$1584	$269
Speeding 11 - 15 MPH over limit	$1612	$269
Speeding 6 - 10 MPH over limit	$1612	$274
Operating a vehicle without permission	$1640	$274
Open container	$1661	$282
In 65 MPH zone	$1731	$289
Speeding 16 - 20 MPH over limit	$1752	$299
Speeding 21 - 25 MPH over limit	$1815	$302
At-fault accident - greater than $2000	$1955	$333
Reckless driving	$2089	$348
Racing	$2172	$369
Driving with a suspended license	$2250	$375
Refusal to submit to a chemical test	$2299	$391
DUI	$2320	$387
Leaving scene of an accident/hit and run	$2355	$400

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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 Ardsley 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 Ardsley.

The cheapest car insurance premiums in Ardsley are offered by American Family at $532 for a six-month policy. However, it can be as expensive as $2377 with companies like State Farm.

Ardsley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$532	$90
Kemper	$561	$96
Progressive	$680	$114
NYCM	$856	$144
New York Central Mutual Fire	$1261	$210
USAA	$1345	$227
Allstate	$1998	$336
Travelers	$2053	$346
Nationwide	$2082	$347
State Farm	$2377	$400

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 Ardsley are offered by American Family at $470. However, it can be as expensive as $2411 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Ardsley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$470	$80
Kemper	$470	$78
Progressive	$582	$98
NYCM	$778	$130
USAA	$1058	$181
Nationwide	$1458	$243
State Farm	$1578	$268
Travelers	$2306	$385
Allstate	$2411	$409

Car Insurance Price Trends in Ardsley, New York

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

The average cost of full coverage in the Ardsley dipped by $291 in December compared to $293 of November. In other words, there has been an decrease by $2 when you compare December and November.

The average cost of liability insurance in the Ardsley dipped to $100 in December, compared to $104 in November. This represents an decrease of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Ardsley?

The car insurance in Ardsley is $52 per month, which is lower than the national average.

What is the cheapest car insurance in Ardsley?

The cheapest car insurance in Ardsley is $111 per month for full coverage.

How much is car insurance in Ardsley for teenagers?

Car insurance for teenagers costs $441 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 Ardsley?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $204 per month to insure your car in Ardsley.

Is car insurance expensive in Ardsley?

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

Cheapest Car Insurance Quotes in Ardsley

Why you can trust Way?

How Much Is Car Insurance in Ardsley

Avg. Car Insurance in Ardsley

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Ardsley

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Ardsley Car Insurance Rates by Company

Cheap Car Insurance Companies in Ardsley, NY

Way's key takeaways about car insurance in Ardsley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ardsley

Cheapest Liability Coverage in Ardsley, NY

Cheapest Full Coverage Car Insurance in Ardsley

Cheapest Full Coverage Car Insurance Quotes in Ardsley, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ardsley by Rating Factor

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

Car Insurance Premiums by Age in Ardsley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ardsley,NY

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

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 Ardsley

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

Ardsley Car Insurance Rates by Violation

Ardsley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ardsley after a DUI

Ardsley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ardsley after Speeding ticket

Car Insurance Price Trends in Ardsley, New York

Average Car Insurance Cost in Ardsley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ardsley, NY

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

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