Cheapest Car Insurance Quotes in Baldwin

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399,755 Policies Sold

Baldwin Car Insurance

^$ 77

/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 Baldwin

The car insurance rate in Baldwin is $1811 for a six-month policy, which is $782 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $972, making it a popular choice for budget-conscious drivers. Rates in Baldwin 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 Baldwin

$1811

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Baldwin

1st place: Kemper

At $972 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 $1287 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1297 for six months, making it the third cheapest auto insurance company in Baldwin.

Baldwin Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Baldwin, NY is Kemper, offering policies at just $972 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1287.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2707 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Baldwin drivers find the best deals.

Cheap Car Insurance Companies in Baldwin, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$972	$165
New York Central Mutual Fire	$1287	$215
Progressive	$1297	$218
American Family	$1505	$253
NYCM	$1579	$266
Erie	$1892	$315
Nationwide	$1903	$324
USAA	$1913	$322
State Farm	$2372	$400
Travelers	$2499	$421
Allstate	$2707	$456

Key Takeaways

Way's key takeaways about car insurance in Baldwin

The auto insurance costs in Baldwin fall around $972 for six months.
The cheapest auto insurance company in Baldwin is New York Central Mutual Fire.
Teen drivers pay the highest rate in Baldwin at $1380 per month.

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Cheapest Minimum Liability Car Insurance in Baldwin

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 Baldwin are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Baldwin. Their Average 6 Month Premium is $459. Preferred Mutual is the most expensive at $1213 for the same period.

Cheapest Liability Coverage in Baldwin, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$459	$77
NYCM	$480	$81
Kemper	$565	$93
Progressive	$669	$113
American Family	$679	$114
USAA	$825	$139
Nationwide	$878	$146
Erie	$1109	$188
State Farm	$1287	$216
Travelers	$1380	$232
Allstate	$1443	$243
Utica National	$1003	$171
Preferred Mutual	$1213	$202

Cheapest Full Coverage Car Insurance in Baldwin

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 Baldwin is Kemper at $165 per month and $972 for six months.

Cheapest Full Coverage Car Insurance Quotes in Baldwin, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$972	$165
New York Central Mutual Fire	$1287	$215
Progressive	$1297	$218
American Family	$1505	$253
NYCM	$1579	$266
Erie	$1892	$315
Nationwide	$1903	$324
USAA	$1913	$322
State Farm	$2372	$400
Travelers	$2499	$421
Allstate	$2707	$456

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Average Car Insurance in Baldwin 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 Baldwin, NY increasing?

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

Car Insurance Premiums by Age in Baldwin

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	$991
30s	National Grange Mutual	$706
40s	National Grange Mutual	$679
50s	National Grange Mutual	$690
60s	National Grange Mutual	$743
70s	National Grange Mutual	$1019

Cheapest Car Insurance Rates for Teen Drivers in Baldwin,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Baldwin at $109 per month. At $8196 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$658	$109
American Family	$794	$134
NYCM	$1327	$224
Progressive	$2101	$354
New York Central Mutual Fire	$2290	$382
USAA	$4203	$708
Nationwide	$5489	$915
Travelers	$6795	$1144
Allstate	$7350	$1237
State Farm	$8196	$1380

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 Baldwin.

As young drivers face the highest rates in Baldwin, National Grange Mutual offers the cheapest auto insurance rates at $991 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 Baldwin, Chubb is the cheapest car insurance provider. At $1412 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 Baldwin is Progressive, offering rates of around $9106 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1412	$236
Kemper	$1475	$250
Nationwide	$1903	$317
USAA	$2635	$449
NYCM	$2749	$458
Erie	$2980	$507
American Family	$3502	$584
Allstate	$3585	$604
State Farm	$3712	$625
Mercury	$4360	$741
Travelers	$4453	$750
Progressive	$9106	$1533

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Car Insurance Rates with An Accident in Baldwin

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

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

The cheapest car insurance companies after an at-fault accident in Baldwin include Kemper and American Family, offering $815 and $836, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $1014.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$815	$136
American Family	$836	$141
NYCM	$1014	$171
Erie	$1109	$188
Chubb	$1223	$204
Progressive	$1338	$225
New York Central Mutual Fire	$1547	$259
USAA	$1661	$280
Nationwide	$2499	$417
Allstate	$2520	$424
State Farm	$3043	$512
Travelers	$3094	$521
Utica National	$1003	$171
Preferred Mutual	$1014	$169

Baldwin Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Baldwin NY. For example, the car insurance in Baldwin after a DUI increases to $1255 for a six month policy. While the rate increases by $199 for a six-month policy in the case of a speeding ticket.

Baldwin auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2205	$368
One Med/PIP claim	$2205	$375
One comp claim	$2226	$371
Two comp claims	$2248	$382
Two Med/PIP claims	$2248	$375
Not-at-fault accident	$2258	$384
Failure to show documents	$2290	$382
Failure to wear a seat belt	$2300	$391
Driving with expired registration	$2321	$387
At-fault accident - less than $1000	$2332	$396
Cell phone violation	$2332	$389
Child safety restraint	$2332	$396
Driving without lights	$2332	$389
Failure to stop at a red light	$2332	$396
Failure to yield	$2332	$389
Following too closely	$2332	$396
Illegal turn	$2332	$389
Improper passing	$2332	$396
Passing school bus	$2332	$389
Texting while driving	$2332	$396
Wrong way/wrong lane	$2332	$389
Driving too slowly	$2353	$400
Speeding in school zone	$2353	$392
At-fault accident - $1000-$2000	$2362	$401
Speeding 11 - 15 MPH over limit	$2404	$401
Speeding 6 - 10 MPH over limit	$2404	$408
Operating a vehicle without permission	$2446	$408
Open container	$2478	$421
In 65 MPH zone	$2582	$431
Speeding 16 - 20 MPH over limit	$2614	$445
Speeding 21 - 25 MPH over limit	$2707	$451
At-fault accident - greater than $2000	$2916	$496
Reckless driving	$3115	$519
Racing	$3240	$551
Driving with a suspended license	$3356	$560
Refusal to submit to a chemical test	$3428	$583
DUI	$3460	$577
Leaving scene of an accident/hit and run	$3513	$597

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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 Baldwin 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 Baldwin.

The cheapest car insurance premiums in Baldwin are offered by American Family at $794 for a six-month policy. However, it can be as expensive as $3545 with companies like State Farm.

Baldwin car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$794	$134
Kemper	$836	$143
Progressive	$1014	$171
NYCM	$1276	$215
New York Central Mutual Fire	$1881	$313
USAA	$2006	$338
Allstate	$2980	$502
Travelers	$3062	$516
Nationwide	$3105	$517
State Farm	$3545	$597

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 Baldwin are offered by American Family at $700. However, it can be as expensive as $3596 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Baldwin after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$700	$120
Kemper	$700	$116
Progressive	$868	$146
NYCM	$1160	$194
USAA	$1579	$269
Nationwide	$2175	$363
State Farm	$2353	$400
Travelers	$3439	$574
Allstate	$3596	$611

Car Insurance Price Trends in Baldwin, New York

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

The average cost of full coverage in the Baldwin dipped by $435 in December compared to $436 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 Baldwin dipped to $150 in December, compared to $155 in November. This represents an decrease of $5 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Baldwin?

The car insurance in Baldwin is $77 per month, which is lower than the national average.

What is the cheapest car insurance in Baldwin?

The cheapest car insurance in Baldwin is $165 per month for full coverage.

How much is car insurance in Baldwin for teenagers?

Car insurance for teenagers costs $658 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 Baldwin?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $304 per month to insure your car in Baldwin.

Is car insurance expensive in Baldwin?

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

Cheapest Car Insurance Quotes in Baldwin

Why you can trust Way?

How Much Is Car Insurance in Baldwin

Avg. Car Insurance in Baldwin

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Baldwin

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Baldwin Car Insurance Rates by Company

Cheap Car Insurance Companies in Baldwin, NY

Way's key takeaways about car insurance in Baldwin

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Baldwin

Cheapest Liability Coverage in Baldwin, NY

Cheapest Full Coverage Car Insurance in Baldwin

Cheapest Full Coverage Car Insurance Quotes in Baldwin, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Baldwin by Rating Factor

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

Car Insurance Premiums by Age in Baldwin

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Baldwin,NY

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

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 Baldwin

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

Baldwin Car Insurance Rates by Violation

Baldwin auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Baldwin after a DUI

Baldwin car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Baldwin after Speeding ticket

Car Insurance Price Trends in Baldwin, New York

Average Car Insurance Cost in Baldwin by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Baldwin, NY

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

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Data Sources