Cheapest Car Insurance Quotes in Averill Park

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Averill Park Car Insurance

^$ 34

/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 Averill Park

The car insurance rate in Averill Park is $803 for a six-month policy, which is $226 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $431, making it a popular choice for budget-conscious drivers. Rates in Averill Park 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 Averill Park

$803

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Averill Park

1st place: Kemper

At $431 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 $570 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $575 for six months, making it the third cheapest auto insurance company in Averill Park.

Averill Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Averill Park, NY is Kemper, offering policies at just $431 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $570.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1200 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Averill Park drivers find the best deals.

Cheap Car Insurance Companies in Averill Park, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$431	$73
New York Central Mutual Fire	$570	$95
Progressive	$575	$97
American Family	$667	$112
NYCM	$700	$118
Erie	$839	$140
Nationwide	$843	$144
USAA	$848	$143
State Farm	$1051	$177
Travelers	$1108	$186
Allstate	$1200	$202

Key Takeaways

Way's key takeaways about car insurance in Averill Park

The auto insurance costs in Averill Park fall around $431 for six months.
The cheapest auto insurance company in Averill Park is New York Central Mutual Fire.
Teen drivers pay the highest rate in Averill Park at $612 per month.

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Cheapest Minimum Liability Car Insurance in Averill Park

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 Averill Park are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Averill Park. Their Average 6 Month Premium is $204. Preferred Mutual is the most expensive at $537 for the same period.

Cheapest Liability Coverage in Averill Park, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$204	$34
NYCM	$213	$36
Kemper	$250	$41
Progressive	$296	$50
American Family	$301	$51
USAA	$366	$62
Nationwide	$389	$65
Erie	$491	$83
State Farm	$570	$96
Travelers	$612	$103
Allstate	$640	$108
Utica National	$445	$76
Preferred Mutual	$537	$90

Cheapest Full Coverage Car Insurance in Averill Park

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 Averill Park is Kemper at $73 per month and $431 for six months.

Cheapest Full Coverage Car Insurance Quotes in Averill Park, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$431	$73
New York Central Mutual Fire	$570	$95
Progressive	$575	$97
American Family	$667	$112
NYCM	$700	$118
Erie	$839	$140
Nationwide	$843	$144
USAA	$848	$143
State Farm	$1051	$177
Travelers	$1108	$186
Allstate	$1200	$202

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Average Car Insurance in Averill Park 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 Averill Park, NY increasing?

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

Car Insurance Premiums by Age in Averill Park

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	$439
30s	National Grange Mutual	$313
40s	National Grange Mutual	$301
50s	National Grange Mutual	$306
60s	National Grange Mutual	$329
70s	National Grange Mutual	$452

Cheapest Car Insurance Rates for Teen Drivers in Averill Park,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Averill Park at $48 per month. At $3632 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$292	$48
American Family	$352	$59
NYCM	$588	$99
Progressive	$931	$157
New York Central Mutual Fire	$1015	$169
USAA	$1863	$314
Nationwide	$2433	$406
Travelers	$3012	$507
Allstate	$3257	$548
State Farm	$3632	$612

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 Averill Park.

As young drivers face the highest rates in Averill Park, National Grange Mutual offers the cheapest auto insurance rates at $439 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 Averill Park, Chubb is the cheapest car insurance provider. At $626 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 Averill Park is Progressive, offering rates of around $4036 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$626	$105
Kemper	$654	$111
Nationwide	$843	$140
USAA	$1168	$199
NYCM	$1218	$203
Erie	$1321	$225
American Family	$1552	$259
Allstate	$1589	$268
State Farm	$1645	$277
Mercury	$1932	$328
Travelers	$1973	$332
Progressive	$4036	$679

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Save up to $971/yr on car insurance rates in Averill Park.

Car Insurance Rates with An Accident in Averill Park

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

Cheapest Car Insurance Companies after an At-Fault Accident in Averill Park

The cheapest car insurance companies after an at-fault accident in Averill Park include Kemper and American Family, offering $361 and $371, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $449.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$361	$60
American Family	$371	$62
NYCM	$449	$76
Erie	$491	$83
Chubb	$542	$90
Progressive	$593	$100
New York Central Mutual Fire	$686	$115
USAA	$736	$124
Nationwide	$1108	$185
Allstate	$1117	$188
State Farm	$1349	$227
Travelers	$1371	$231
Utica National	$445	$76
Preferred Mutual	$449	$75

Averill Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Averill Park NY. For example, the car insurance in Averill Park after a DUI increases to $556 for a six month policy. While the rate increases by $88 for a six-month policy in the case of a speeding ticket.

Averill Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$977	$163
One Med/PIP claim	$977	$166
One comp claim	$987	$165
Two comp claims	$996	$169
Two Med/PIP claims	$996	$166
Not-at-fault accident	$1001	$170
Failure to show documents	$1015	$169
Failure to wear a seat belt	$1019	$173
Driving with expired registration	$1029	$172
At-fault accident - less than $1000	$1034	$176
Cell phone violation	$1034	$172
Child safety restraint	$1034	$176
Driving without lights	$1034	$172
Failure to stop at a red light	$1034	$176
Failure to yield	$1034	$172
Following too closely	$1034	$176
Illegal turn	$1034	$172
Improper passing	$1034	$176
Passing school bus	$1034	$172
Texting while driving	$1034	$176
Wrong way/wrong lane	$1034	$172
Driving too slowly	$1043	$177
Speeding in school zone	$1043	$174
At-fault accident - $1000-$2000	$1047	$178
Speeding 11 - 15 MPH over limit	$1065	$178
Speeding 6 - 10 MPH over limit	$1065	$181
Operating a vehicle without permission	$1084	$181
Open container	$1098	$186
In 65 MPH zone	$1144	$191
Speeding 16 - 20 MPH over limit	$1158	$197
Speeding 21 - 25 MPH over limit	$1200	$200
At-fault accident - greater than $2000	$1292	$220
Reckless driving	$1381	$230
Racing	$1436	$244
Driving with a suspended license	$1487	$248
Refusal to submit to a chemical test	$1519	$258
DUI	$1533	$256
Leaving scene of an accident/hit and run	$1557	$264

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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 Averill Park 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 Averill Park.

The cheapest car insurance premiums in Averill Park are offered by American Family at $352 for a six-month policy. However, it can be as expensive as $1571 with companies like State Farm.

Averill Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$352	$59
Kemper	$371	$63
Progressive	$449	$76
NYCM	$566	$95
New York Central Mutual Fire	$834	$139
USAA	$889	$150
Allstate	$1321	$222
Travelers	$1357	$229
Nationwide	$1376	$229
State Farm	$1571	$264

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 Averill Park are offered by American Family at $310. However, it can be as expensive as $1594 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Averill Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$310	$53
Kemper	$310	$51
Progressive	$385	$65
NYCM	$514	$86
USAA	$700	$119
Nationwide	$964	$161
State Farm	$1043	$177
Travelers	$1524	$254
Allstate	$1594	$271

Car Insurance Price Trends in Averill Park, New York

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

The average cost of full coverage in the Averill Park remained steady at $193 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Averill Park dipped to $66 in December, compared to $69 in November. This represents an decrease of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Averill Park?

The car insurance in Averill Park is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Averill Park?

The cheapest car insurance in Averill Park is $73 per month for full coverage.

How much is car insurance in Averill Park for teenagers?

Car insurance for teenagers costs $292 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 Averill Park?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $135 per month to insure your car in Averill Park.

Is car insurance expensive in Averill Park?

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

Cheapest Car Insurance Quotes in Averill Park

Why you can trust Way?

How Much Is Car Insurance in Averill Park

Avg. Car Insurance in Averill Park

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Averill Park

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Averill Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Averill Park, NY

Way's key takeaways about car insurance in Averill Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Averill Park

Cheapest Liability Coverage in Averill Park, NY

Cheapest Full Coverage Car Insurance in Averill Park

Cheapest Full Coverage Car Insurance Quotes in Averill Park, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Averill Park by Rating Factor

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

Car Insurance Premiums by Age in Averill Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Averill Park,NY

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

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 Averill Park

Cheapest Car Insurance Companies after an At-Fault Accident in Averill Park

Averill Park Car Insurance Rates by Violation

Averill Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Averill Park after a DUI

Averill Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Averill Park after Speeding ticket

Car Insurance Price Trends in Averill Park, New York

Average Car Insurance Cost in Averill Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Averill Park, NY

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

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