Cheapest Car Insurance Quotes in Bay Park

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Bay Park Car Insurance

^$ 76

/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 Bay Park

The car insurance rate in Bay Park is $1770 for a six-month policy, which is $741 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $949, making it a popular choice for budget-conscious drivers. Rates in Bay 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 Bay Park

$1770

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Bay Park

1st place: Kemper

At $949 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 $1257 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1268 for six months, making it the third cheapest auto insurance company in Bay Park.

Bay Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bay Park, NY is Kemper, offering policies at just $949 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1257.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2645 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bay Park drivers find the best deals.

Cheap Car Insurance Companies in Bay Park, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$949	$162
New York Central Mutual Fire	$1257	$210
Progressive	$1268	$213
American Family	$1471	$248
NYCM	$1543	$260
Erie	$1849	$308
Nationwide	$1859	$316
USAA	$1870	$315
State Farm	$2319	$390
Travelers	$2442	$411
Allstate	$2645	$445

Key Takeaways

Way's key takeaways about car insurance in Bay Park

The auto insurance costs in Bay Park fall around $949 for six months.
The cheapest auto insurance company in Bay Park is New York Central Mutual Fire.
Teen drivers pay the highest rate in Bay Park at $1348 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 Bay 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 Bay Park are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Bay Park. Their Average 6 Month Premium is $449. Preferred Mutual is the most expensive at $1185 for the same period.

Cheapest Liability Coverage in Bay Park, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$449	$76
NYCM	$470	$79
Kemper	$552	$91
Progressive	$654	$110
American Family	$664	$112
USAA	$807	$136
Nationwide	$858	$143
Erie	$1084	$184
State Farm	$1257	$212
Travelers	$1348	$227
Allstate	$1410	$237
Utica National	$980	$167
Preferred Mutual	$1185	$198

Cheapest Full Coverage Car Insurance in Bay 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 Bay Park is Kemper at $162 per month and $949 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bay Park, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$949	$162
New York Central Mutual Fire	$1257	$210
Progressive	$1268	$213
American Family	$1471	$248
NYCM	$1543	$260
Erie	$1849	$308
Nationwide	$1859	$316
USAA	$1870	$315
State Farm	$2319	$390
Travelers	$2442	$411
Allstate	$2645	$445

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Average Car Insurance in Bay 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 Bay Park, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Bay 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, Bay 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 Bay 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	$968
30s	National Grange Mutual	$690
40s	National Grange Mutual	$664
50s	National Grange Mutual	$674
60s	National Grange Mutual	$726
70s	National Grange Mutual	$996

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

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Bay Park at $107 per month. At $8010 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$643	$107
American Family	$776	$131
NYCM	$1297	$218
Progressive	$2054	$346
New York Central Mutual Fire	$2238	$373
USAA	$4107	$691
Nationwide	$5365	$894
Travelers	$6641	$1118
Allstate	$7183	$1209
State Farm	$8010	$1348

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 Bay Park.

As young drivers face the highest rates in Bay Park, National Grange Mutual offers the cheapest auto insurance rates at $968 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 Bay Park, Chubb is the cheapest car insurance provider. At $1379 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 Bay Park is Progressive, offering rates of around $8899 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1379	$230
Kemper	$1441	$244
Nationwide	$1859	$310
USAA	$2575	$439
NYCM	$2687	$447
Erie	$2912	$495
American Family	$3423	$571
Allstate	$3504	$590
State Farm	$3627	$611
Mercury	$4260	$724
Travelers	$4352	$733
Progressive	$8899	$1498

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

Car Insurance Rates with An Accident in Bay 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 Bay Park, NY, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Bay Park include Kemper and American Family, offering $796 and $817, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $991.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$796	$132
American Family	$817	$138
NYCM	$991	$167
Erie	$1084	$184
Chubb	$1195	$200
Progressive	$1307	$220
New York Central Mutual Fire	$1512	$253
USAA	$1624	$273
Nationwide	$2442	$408
Allstate	$2463	$415
State Farm	$2974	$501
Travelers	$3024	$509
Utica National	$980	$167
Preferred Mutual	$991	$165

Bay Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bay Park NY. For example, the car insurance in Bay Park after a DUI increases to $1227 for a six month policy. While the rate increases by $195 for a six-month policy in the case of a speeding ticket.

Bay Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2155	$359
One Med/PIP claim	$2155	$366
One comp claim	$2176	$363
Two comp claims	$2196	$373
Two Med/PIP claims	$2196	$366
Not-at-fault accident	$2207	$375
Failure to show documents	$2238	$373
Failure to wear a seat belt	$2248	$382
Driving with expired registration	$2269	$378
At-fault accident - less than $1000	$2279	$387
Cell phone violation	$2279	$380
Child safety restraint	$2279	$387
Driving without lights	$2279	$380
Failure to stop at a red light	$2279	$387
Failure to yield	$2279	$380
Following too closely	$2279	$387
Illegal turn	$2279	$380
Improper passing	$2279	$387
Passing school bus	$2279	$380
Texting while driving	$2279	$387
Wrong way/wrong lane	$2279	$380
Driving too slowly	$2300	$390
Speeding in school zone	$2300	$384
At-fault accident - $1000-$2000	$2308	$392
Speeding 11 - 15 MPH over limit	$2350	$392
Speeding 6 - 10 MPH over limit	$2350	$399
Operating a vehicle without permission	$2391	$399
Open container	$2422	$411
In 65 MPH zone	$2523	$421
Speeding 16 - 20 MPH over limit	$2554	$435
Speeding 21 - 25 MPH over limit	$2645	$440
At-fault accident - greater than $2000	$2850	$485
Reckless driving	$3044	$507
Racing	$3167	$538
Driving with a suspended license	$3280	$547
Refusal to submit to a chemical test	$3351	$569
DUI	$3382	$564
Leaving scene of an accident/hit and run	$3433	$583

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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 Bay 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 Bay Park.

The cheapest car insurance premiums in Bay Park are offered by American Family at $776 for a six-month policy. However, it can be as expensive as $3464 with companies like State Farm.

Bay Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$776	$131
Kemper	$817	$139
Progressive	$991	$167
NYCM	$1247	$210
New York Central Mutual Fire	$1839	$306
USAA	$1961	$330
Allstate	$2912	$490
Travelers	$2993	$504
Nationwide	$3034	$506
State Farm	$3464	$583

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 Bay Park are offered by American Family at $685. However, it can be as expensive as $3514 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Bay Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$685	$117
Kemper	$685	$114
Progressive	$848	$143
NYCM	$1133	$189
USAA	$1543	$263
Nationwide	$2126	$354
State Farm	$2300	$390
Travelers	$3361	$561
Allstate	$3514	$597

Car Insurance Price Trends in Bay Park, New York

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

The average cost of full coverage in the Bay Park dipped by $425 in December compared to $427 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 Bay Park dipped to $146 in December, compared to $151 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 Bay Park?

The car insurance in Bay Park is $76 per month, which is lower than the national average.

What is the cheapest car insurance in Bay Park?

The cheapest car insurance in Bay Park is $162 per month for full coverage.

How much is car insurance in Bay Park for teenagers?

Car insurance for teenagers costs $643 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 Bay Park?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $298 per month to insure your car in Bay Park.

Is car insurance expensive in Bay Park?

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

Cheapest Car Insurance Quotes in Bay Park

Why you can trust Way?

How Much Is Car Insurance in Bay Park

Avg. Car Insurance in Bay Park

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Bay Park

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Bay Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Bay Park, NY

Way's key takeaways about car insurance in Bay Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bay Park

Cheapest Liability Coverage in Bay Park, NY

Cheapest Full Coverage Car Insurance in Bay Park

Cheapest Full Coverage Car Insurance Quotes in Bay Park, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bay Park by Rating Factor

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

Car Insurance Premiums by Age in Bay Park

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Bay Park Car Insurance Rates by Violation

Bay Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bay Park after a DUI

Bay Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bay Park after Speeding ticket

Car Insurance Price Trends in Bay Park, New York

Average Car Insurance Cost in Bay Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bay Park, NY

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

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