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Finding the cheapest car insurance quotes in Astoria 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 Astoria
The car insurance rate in Astoria is $2037 for a six-month policy, which is $1008 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1093, making it a popular choice for budget-conscious drivers. Rates in Astoria 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 $1093 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 $1447 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $1459
for six months, making it
the third cheapest auto insurance company in Astoria.
Astoria Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Astoria, NY is Kemper, offering policies at just $1093 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1447.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $3045 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Astoria drivers find the best deals.
Way's key takeaways about car insurance in Astoria
The auto insurance costs in Astoria fall around $1093 for six
months.
The cheapest auto insurance company in Astoria is New York Central Mutual Fire.
Teen drivers pay the highest rate in Astoria at $1552 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 Astoria
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 Astoria are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in Astoria. Their Average 6 Month Premium is $517.
Preferred Mutual is the most
expensive at $1364 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 Astoria is Kemper
at $186 per month and $1093
for six months.
Cheapest Full Coverage Car Insurance Quotes in Astoria,
NY
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Average Car Insurance in Astoria 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 Astoria, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Astoria, 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, Astoria's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Astoria
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
$1115
30s
National Grange Mutual
$794
40s
National Grange Mutual
$764
50s
National Grange Mutual
$776
60s
National Grange Mutual
$836
70s
National Grange Mutual
$1146
Cheapest Car Insurance Rates for Teen Drivers in
Astoria,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Astoria at $123
per
month. At $9221 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 Astoria.
As young drivers face the highest rates in Astoria, National Grange Mutual
offers the cheapest auto insurance rates at $1115 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 Astoria,
Chubb is
the cheapest car insurance provider. At $1588 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
Astoria is Progressive, offering
rates of around $10245 for six
months.
Save up to $971/yr on car insurance rates in Astoria.
Car Insurance Rates with An Accident in Astoria
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 Astoria, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Astoria
The cheapest car insurance companies after an at-fault accident in
Astoria include Kemper
and American Family, offering $917
and $941,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$1140.
Here is a list of driving violations that can increase your car
insurance rates in Astoria NY. For example, the car
insurance in Astoria
after a DUI increases to $1412 for a six
month policy. While the rate increases by $224 for a six-month policy in the case of
a speeding ticket.
Astoria auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$2481
$414
One Med/PIP claim
$2481
$422
One comp claim
$2505
$418
Two comp claims
$2528
$430
Two Med/PIP claims
$2528
$422
Not-at-fault accident
$2540
$432
Failure to show documents
$2576
$430
Failure to wear a seat belt
$2588
$440
Driving with expired registration
$2612
$436
At-fault accident - less than $1000
$2624
$446
Cell phone violation
$2624
$438
Child safety restraint
$2624
$446
Driving without lights
$2624
$438
Failure to stop at a red light
$2624
$446
Failure to yield
$2624
$438
Following too closely
$2624
$446
Illegal turn
$2624
$438
Improper passing
$2624
$446
Passing school bus
$2624
$438
Texting while driving
$2624
$446
Wrong way/wrong lane
$2624
$438
Driving too slowly
$2647
$449
Speeding in school zone
$2647
$442
At-fault accident - $1000-$2000
$2657
$451
Speeding 11 - 15 MPH over limit
$2705
$451
Speeding 6 - 10 MPH over limit
$2705
$459
Operating a vehicle without permission
$2752
$459
Open container
$2788
$473
In 65 MPH zone
$2905
$485
Speeding 16 - 20 MPH over limit
$2940
$501
Speeding 21 - 25 MPH over limit
$3045
$507
At-fault accident - greater than $2000
$3281
$558
Reckless driving
$3505
$584
Racing
$3645
$620
Driving with a suspended license
$3776
$630
Refusal to submit to a chemical test
$3857
$655
DUI
$3893
$649
Leaving scene of an accident/hit and run
$3952
$671
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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 Astoria 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 Astoria.
The cheapest car insurance premiums in
Astoria are
offered by American Family at $893 for a six-month policy.
However, it can be as
expensive as $3988 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 Astoria are offered by American Family
at $788. However,
it can be as expensive as $4045
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Astoria after Speeding ticket
Car insurance rates in Astoria have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Astoria dipped by
$489 in December
compared to $491 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 Astoria dipped to $168 in December,
compared to $174 in November.
This represents an decrease of $6
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
Astoria. At $2465 for a
six-month policy, insuring
your car at 11102 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
11102
$2465
$414
11103
$2546
$428
11106
$2567
$431
11105
$2567
$431
Frequently Asked Questions
How much is car insurance in Astoria?
The car insurance in Astoria is $87 per month, which is lower than the national average.
What is the cheapest car insurance in Astoria?
The cheapest car insurance in Astoria
is $186 per month
for full coverage.
How much is car insurance in Astoria for teenagers?
Car insurance for teenagers costs $741 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
Astoria?
The average cost of car insurance is $1029 for a six-month
policy. It will cost around $343 per month to insure your
car in Astoria.
Is car insurance expensive in Astoria?
Car insurance can be expensive in Astoria if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Astoria can be
affordable.
What is the best car insurance in Astoria,
NY?
The best car insurance company in Astoria
NY is
Kemper, offering $1093 for a
six-month policy.
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Astoria Car Insurance
