Cheapest Car Insurance Quotes in Beaver Dam Lake

Cheapest Minimum Liability Car Insurance in Beaver Dam Lake

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 Beaver Dam Lake are given below. 

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Beaver Dam Lake. Their Average 6 Month Premium is $303. Preferred Mutual is the most expensive at $799 for the same period. 

Cheapest Liability Coverage in Beaver Dam Lake, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$303	$51
NYCM	$358	$59
Kemper	$372	$64
American Family	$448	$75
Progressive	$462	$78
USAA	$593	$100
Erie	$731	$124
Travelers	$785	$131
Allstate	$841	$143
State Farm	$896	$150
Nationwide	$579	$96
Utica National	$661	$113
Preferred Mutual	$799	$133

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Cheapest Full Coverage Car Insurance in Beaver Dam Lake

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 Beaver Dam Lake is Kemper at $109 per month and $640 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Beaver Dam Lake, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$640	$109
New York Central Mutual Fire	$848	$142
Progressive	$902	$152
American Family	$992	$167
NYCM	$1199	$202
USAA	$1329	$224
Erie	$1357	$229
Nationwide	$1481	$247
Travelers	$1509	$254
State Farm	$1798	$303
Allstate	$2011	$339
Chubb	$2060	$343

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Car Insurance Premiums by Age in Beaver Dam Lake

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

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Age Group	Cheapest Companies	Avg. 6 Mo. Premium

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Beaver Dam Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Beaver Dam Lake NY. For example, the car insurance in Beaver Dam Lake after a DUI increases to $828 for a six month policy. While the rate increases by $132 for a six-month policy in the case of a speeding ticket.  

Beaver Dam Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1453	$242
One Med/PIP claim	$1453	$247
One comp claim	$1467	$245
Two comp claims	$1481	$252
Two Med/PIP claims	$1481	$247
Not-at-fault accident	$1488	$253
Failure to show documents	$1509	$252
Failure to wear a seat belt	$1516	$258
Driving with expired registration	$1530	$255
At-fault accident - less than $1000	$1537	$261
Cell phone violation	$1537	$256
Child safety restraint	$1537	$261
Driving without lights	$1537	$256
Failure to stop at a red light	$1537	$261
Failure to yield	$1537	$256
Following too closely	$1537	$261
Illegal turn	$1537	$256
Improper passing	$1537	$261
Passing school bus	$1537	$256
Texting while driving	$1537	$261
Wrong way/wrong lane	$1537	$256
Driving too slowly	$1551	$263
Speeding in school zone	$1551	$259
At-fault accident - $1000-$2000	$1557	$264
Speeding 11 - 15 MPH over limit	$1585	$264
Speeding 6 - 10 MPH over limit	$1585	$269
Operating a vehicle without permission	$1612	$269
Open container	$1633	$277
In 65 MPH zone	$1702	$284
Speeding 16 - 20 MPH over limit	$1723	$293
Speeding 21 - 25 MPH over limit	$1784	$297
At-fault accident - greater than $2000	$1922	$327
Reckless driving	$2053	$342
Racing	$2136	$363
Driving with a suspended license	$2212	$369
Refusal to submit to a chemical test	$2260	$384
DUI	$2281	$380
Leaving scene of an accident/hit and run	$2315	$393

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