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 Arkville 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 Arkville
The car insurance rate in Arkville is $936 for a six-month policy, which is $93 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $502, making it a popular choice for budget-conscious drivers. Rates in Arkville 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 $502 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 $665 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $671
for six months, making it
the third cheapest auto insurance company in Arkville.
Arkville Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Arkville, NY is Kemper, offering policies at just $502 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $665.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1400 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Arkville drivers find the best deals.
Way's key takeaways about car insurance in Arkville
The auto insurance costs in Arkville fall around $502 for six
months.
The cheapest auto insurance company in Arkville is New York Central Mutual Fire.
Teen drivers pay the highest rate in Arkville at $713 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 Arkville
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 Arkville are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in Arkville. Their Average 6 Month Premium is $238.
Preferred Mutual is the most
expensive at $627 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 Arkville is Kemper
at $86 per month and $502
for six months.
Cheapest Full Coverage Car Insurance Quotes in Arkville,
NY
Get Your Car Insurance Quote in Arkville
Instantly!
Average Car Insurance in Arkville 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 Arkville, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Arkville, 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, Arkville's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Arkville
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
$512
30s
National Grange Mutual
$365
40s
National Grange Mutual
$351
50s
National Grange Mutual
$357
60s
National Grange Mutual
$384
70s
National Grange Mutual
$527
Cheapest Car Insurance Rates for Teen Drivers in
Arkville,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Arkville at $56
per
month. At $4238 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 Arkville.
As young drivers face the highest rates in Arkville, National Grange Mutual
offers the cheapest auto insurance rates at $512 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 Arkville,
Chubb is
the cheapest car insurance provider. At $730 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
Arkville is Progressive, offering
rates of around $4708 for six
months.
Save up to $971/yr on car insurance rates in Arkville.
Car Insurance Rates with An Accident in Arkville
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 Arkville, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Arkville
The cheapest car insurance companies after an at-fault accident in
Arkville include Kemper
and American Family, offering $421
and $432,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$524.
Here is a list of driving violations that can increase your car
insurance rates in Arkville NY. For example, the car
insurance in Arkville
after a DUI increases to $649 for a six
month policy. While the rate increases by $103 for a six-month policy in the case of
a speeding ticket.
Arkville auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1140
$190
One Med/PIP claim
$1140
$194
One comp claim
$1151
$192
Two comp claims
$1162
$197
Two Med/PIP claims
$1162
$194
Not-at-fault accident
$1168
$198
Failure to show documents
$1184
$197
Failure to wear a seat belt
$1189
$202
Driving with expired registration
$1200
$200
At-fault accident - less than $1000
$1206
$205
Cell phone violation
$1206
$201
Child safety restraint
$1206
$205
Driving without lights
$1206
$201
Failure to stop at a red light
$1206
$205
Failure to yield
$1206
$201
Following too closely
$1206
$205
Illegal turn
$1206
$201
Improper passing
$1206
$205
Passing school bus
$1206
$201
Texting while driving
$1206
$205
Wrong way/wrong lane
$1206
$201
Driving too slowly
$1217
$207
Speeding in school zone
$1217
$203
At-fault accident - $1000-$2000
$1221
$207
Speeding 11 - 15 MPH over limit
$1243
$207
Speeding 6 - 10 MPH over limit
$1243
$211
Operating a vehicle without permission
$1265
$211
Open container
$1281
$217
In 65 MPH zone
$1335
$223
Speeding 16 - 20 MPH over limit
$1351
$230
Speeding 21 - 25 MPH over limit
$1400
$233
At-fault accident - greater than $2000
$1508
$257
Reckless driving
$1611
$268
Racing
$1675
$285
Driving with a suspended license
$1735
$289
Refusal to submit to a chemical test
$1773
$301
DUI
$1789
$298
Leaving scene of an accident/hit and run
$1816
$308
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 Arkville 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 Arkville.
The cheapest car insurance premiums in
Arkville are
offered by American Family at $410 for a six-month policy.
However, it can be as
expensive as $1833 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 Arkville are offered by American Family
at $362. However,
it can be as expensive as $1859
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Arkville after Speeding ticket
Car insurance rates in Arkville have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Arkville dipped by
$225 in December
compared to $226 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 Arkville dipped to $77 in December,
compared to $80 in November.
This represents an decrease of $3
when comparing December and November.
Average Car Insurance Cost in Arkville by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Arkville. At $1872 for a
six-month policy, insuring
your car at 12406 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 Arkville?
The car insurance in Arkville is $40 per month, which is lower than the national average.
What is the cheapest car insurance in Arkville?
The cheapest car insurance in Arkville
is $86 per month
for full coverage.
How much is car insurance in Arkville for teenagers?
Car insurance for teenagers costs $340 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
Arkville?
The average cost of car insurance is $1029 for a six-month
policy. It will cost around $157 per month to insure your
car in Arkville.
Is car insurance expensive in Arkville?
Car insurance can be expensive in Arkville if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Arkville can be
affordable.
What is the best car insurance in Arkville,
NY?
The best car insurance company in Arkville
NY is
Kemper, offering $502 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Arkville right now.
Find Car Insurance Rates in Cities Near Arkville, NY
Car Insurance Rates by State in the USA (2025 Update)
Arkville Car Insurance
