Cheapest Car Insurance Quotes in Atlantic Beach

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Atlantic Beach Car Insurance

^$ 82

/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 Atlantic Beach

The car insurance rate in Atlantic Beach is $1914 for a six-month policy, which is $885 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1027, making it a popular choice for budget-conscious drivers. Rates in Atlantic Beach 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 Atlantic Beach

$1914

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Atlantic Beach

1st place: Kemper

At $1027 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 $1360 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1371 for six months, making it the third cheapest auto insurance company in Atlantic Beach.

Atlantic Beach Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Atlantic Beach, NY is Kemper, offering policies at just $1027 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1360.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2861 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Atlantic Beach drivers find the best deals.

Cheap Car Insurance Companies in Atlantic Beach, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1027	$175
New York Central Mutual Fire	$1360	$227
Progressive	$1371	$231
American Family	$1590	$268
NYCM	$1668	$281
Erie	$2000	$333
Nationwide	$2011	$342
USAA	$2022	$340
State Farm	$2507	$422
Travelers	$2641	$445
Allstate	$2861	$482

Key Takeaways

Way's key takeaways about car insurance in Atlantic Beach

The auto insurance costs in Atlantic Beach fall around $1027 for six months.
The cheapest auto insurance company in Atlantic Beach is New York Central Mutual Fire.
Teen drivers pay the highest rate in Atlantic Beach at $1458 per month.

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Cheapest Minimum Liability Car Insurance in Atlantic Beach

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 Atlantic Beach are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Atlantic Beach. Their Average 6 Month Premium is $485. Preferred Mutual is the most expensive at $1282 for the same period.

Cheapest Liability Coverage in Atlantic Beach, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$485	$82
NYCM	$508	$86
Kemper	$597	$99
Progressive	$707	$119
American Family	$718	$121
USAA	$872	$147
Nationwide	$928	$154
Erie	$1172	$199
State Farm	$1360	$229
Travelers	$1458	$246
Allstate	$1525	$257
Utica National	$1060	$180
Preferred Mutual	$1282	$214

Cheapest Full Coverage Car Insurance in Atlantic Beach

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 Atlantic Beach is Kemper at $175 per month and $1027 for six months.

Cheapest Full Coverage Car Insurance Quotes in Atlantic Beach, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1027	$175
New York Central Mutual Fire	$1360	$227
Progressive	$1371	$231
American Family	$1590	$268
NYCM	$1668	$281
Erie	$2000	$333
Nationwide	$2011	$342
USAA	$2022	$340
State Farm	$2507	$422
Travelers	$2641	$445
Allstate	$2861	$482

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Average Car Insurance in Atlantic Beach 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 Atlantic Beach, NY increasing?

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

Car Insurance Premiums by Age in Atlantic Beach

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	$1047
30s	National Grange Mutual	$746
40s	National Grange Mutual	$718
50s	National Grange Mutual	$729
60s	National Grange Mutual	$785
70s	National Grange Mutual	$1077

Cheapest Car Insurance Rates for Teen Drivers in Atlantic Beach,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Atlantic Beach at $115 per month. At $8662 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$696	$115
American Family	$839	$141
NYCM	$1402	$236
Progressive	$2221	$374
New York Central Mutual Fire	$2420	$404
USAA	$4442	$748
Nationwide	$5801	$967
Travelers	$7181	$1209
Allstate	$7767	$1308
State Farm	$8662	$1458

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 Atlantic Beach.

As young drivers face the highest rates in Atlantic Beach, National Grange Mutual offers the cheapest auto insurance rates at $1047 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 Atlantic Beach, Chubb is the cheapest car insurance provider. At $1492 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 Atlantic Beach is Progressive, offering rates of around $9624 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1492	$249
Kemper	$1559	$264
Nationwide	$2011	$335
USAA	$2784	$474
NYCM	$2905	$484
Erie	$3149	$536
American Family	$3701	$618
Allstate	$3789	$638
State Farm	$3923	$660
Mercury	$4607	$783
Travelers	$4706	$792
Progressive	$9624	$1620

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Save up to $971/yr on car insurance rates in Atlantic Beach.

Car Insurance Rates with An Accident in Atlantic Beach

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

Cheapest Car Insurance Companies after an At-Fault Accident in Atlantic Beach

The cheapest car insurance companies after an at-fault accident in Atlantic Beach include Kemper and American Family, offering $861 and $884, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $1071.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$861	$143
American Family	$884	$149
NYCM	$1071	$180
Erie	$1172	$199
Chubb	$1293	$216
Progressive	$1414	$238
New York Central Mutual Fire	$1635	$273
USAA	$1756	$296
Nationwide	$2641	$441
Allstate	$2664	$448
State Farm	$3216	$541
Travelers	$3270	$551
Utica National	$1060	$180
Preferred Mutual	$1071	$179

Atlantic Beach Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Atlantic Beach NY. For example, the car insurance in Atlantic Beach after a DUI increases to $1326 for a six month policy. While the rate increases by $210 for a six-month policy in the case of a speeding ticket.

Atlantic Beach auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2331	$389
One Med/PIP claim	$2331	$396
One comp claim	$2353	$392
Two comp claims	$2375	$404
Two Med/PIP claims	$2375	$396
Not-at-fault accident	$2386	$405
Failure to show documents	$2420	$404
Failure to wear a seat belt	$2431	$413
Driving with expired registration	$2453	$409
At-fault accident - less than $1000	$2465	$419
Cell phone violation	$2465	$411
Child safety restraint	$2465	$419
Driving without lights	$2465	$411
Failure to stop at a red light	$2465	$419
Failure to yield	$2465	$411
Following too closely	$2465	$419
Illegal turn	$2465	$411
Improper passing	$2465	$419
Passing school bus	$2465	$411
Texting while driving	$2465	$419
Wrong way/wrong lane	$2465	$411
Driving too slowly	$2487	$422
Speeding in school zone	$2487	$415
At-fault accident - $1000-$2000	$2496	$424
Speeding 11 - 15 MPH over limit	$2541	$424
Speeding 6 - 10 MPH over limit	$2541	$432
Operating a vehicle without permission	$2585	$432
Open container	$2619	$445
In 65 MPH zone	$2729	$456
Speeding 16 - 20 MPH over limit	$2762	$471
Speeding 21 - 25 MPH over limit	$2861	$476
At-fault accident - greater than $2000	$3082	$525
Reckless driving	$3292	$549
Racing	$3424	$582
Driving with a suspended license	$3547	$591
Refusal to submit to a chemical test	$3623	$616
DUI	$3657	$610
Leaving scene of an accident/hit and run	$3713	$631

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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 Atlantic Beach 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 Atlantic Beach.

The cheapest car insurance premiums in Atlantic Beach are offered by American Family at $839 for a six-month policy. However, it can be as expensive as $3746 with companies like State Farm.

Atlantic Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$839	$141
Kemper	$884	$151
Progressive	$1071	$180
NYCM	$1349	$227
New York Central Mutual Fire	$1988	$331
USAA	$2120	$357
Allstate	$3149	$530
Travelers	$3236	$545
Nationwide	$3281	$547
State Farm	$3746	$631

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 Atlantic Beach are offered by American Family at $740. However, it can be as expensive as $3800 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Atlantic Beach after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$740	$126
Kemper	$740	$123
Progressive	$917	$154
NYCM	$1226	$205
USAA	$1668	$285
Nationwide	$2299	$383
State Farm	$2487	$422
Travelers	$3634	$606
Allstate	$3800	$645

Car Insurance Price Trends in Atlantic Beach, New York

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

The average cost of full coverage in the Atlantic Beach dipped by $459 in December compared to $461 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 Atlantic Beach dipped to $158 in December, compared to $164 in November. This represents an decrease of $6 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Atlantic Beach?

The car insurance in Atlantic Beach is $82 per month, which is lower than the national average.

What is the cheapest car insurance in Atlantic Beach?

The cheapest car insurance in Atlantic Beach is $175 per month for full coverage.

How much is car insurance in Atlantic Beach for teenagers?

Car insurance for teenagers costs $696 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 Atlantic Beach?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $322 per month to insure your car in Atlantic Beach.

Is car insurance expensive in Atlantic Beach?

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

Cheapest Car Insurance Quotes in Atlantic Beach

Why you can trust Way?

How Much Is Car Insurance in Atlantic Beach

Avg. Car Insurance in Atlantic Beach

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Atlantic Beach

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Atlantic Beach Car Insurance Rates by Company

Cheap Car Insurance Companies in Atlantic Beach, NY

Way's key takeaways about car insurance in Atlantic Beach

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Atlantic Beach

Cheapest Liability Coverage in Atlantic Beach, NY

Cheapest Full Coverage Car Insurance in Atlantic Beach

Cheapest Full Coverage Car Insurance Quotes in Atlantic Beach, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Atlantic Beach by Rating Factor

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

Car Insurance Premiums by Age in Atlantic Beach

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Atlantic Beach,NY

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

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 Atlantic Beach

Cheapest Car Insurance Companies after an At-Fault Accident in Atlantic Beach

Atlantic Beach Car Insurance Rates by Violation

Atlantic Beach auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Atlantic Beach after a DUI

Atlantic Beach car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Atlantic Beach after Speeding ticket

Car Insurance Price Trends in Atlantic Beach, New York

Average Car Insurance Cost in Atlantic Beach by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Atlantic Beach, NY

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

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