Cheapest Car Insurance Quotes in Bloomingburg

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Bloomingburg Car Insurance

^$ 53

/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 Bloomingburg

The car insurance rate in Bloomingburg is $1235 for a six-month policy, which is $206 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $662, making it a popular choice for budget-conscious drivers. Rates in Bloomingburg 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 Bloomingburg

$1235

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Bloomingburg

1st place: Kemper

At $662 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 $877 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $884 for six months, making it the third cheapest auto insurance company in Bloomingburg.

Bloomingburg Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bloomingburg, NY is Kemper, offering policies at just $662 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $877.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1846 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bloomingburg drivers find the best deals.

Cheap Car Insurance Companies in Bloomingburg, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$662	$113
New York Central Mutual Fire	$877	$146
Progressive	$884	$149
American Family	$1026	$173
NYCM	$1076	$181
Erie	$1290	$215
Nationwide	$1297	$221
USAA	$1304	$220
State Farm	$1618	$272
Travelers	$1704	$287
Allstate	$1846	$311

Key Takeaways

Way's key takeaways about car insurance in Bloomingburg

The auto insurance costs in Bloomingburg fall around $662 for six months.
The cheapest auto insurance company in Bloomingburg is New York Central Mutual Fire.
Teen drivers pay the highest rate in Bloomingburg at $941 per month.

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Cheapest Minimum Liability Car Insurance in Bloomingburg

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 Bloomingburg are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Bloomingburg. Their Average 6 Month Premium is $313. Preferred Mutual is the most expensive at $827 for the same period.

Cheapest Liability Coverage in Bloomingburg, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$313	$53
NYCM	$328	$55
Kemper	$385	$64
Progressive	$456	$77
American Family	$463	$78
USAA	$563	$95
Nationwide	$599	$100
Erie	$756	$128
State Farm	$877	$148
Travelers	$941	$158
Allstate	$984	$166
Utica National	$684	$116
Preferred Mutual	$827	$138

Cheapest Full Coverage Car Insurance in Bloomingburg

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 Bloomingburg is Kemper at $113 per month and $662 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bloomingburg, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$662	$113
New York Central Mutual Fire	$877	$146
Progressive	$884	$149
American Family	$1026	$173
NYCM	$1076	$181
Erie	$1290	$215
Nationwide	$1297	$221
USAA	$1304	$220
State Farm	$1618	$272
Travelers	$1704	$287
Allstate	$1846	$311

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Average Car Insurance in Bloomingburg 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 Bloomingburg, NY increasing?

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

Car Insurance Premiums by Age in Bloomingburg

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	$676
30s	National Grange Mutual	$481
40s	National Grange Mutual	$463
50s	National Grange Mutual	$470
60s	National Grange Mutual	$506
70s	National Grange Mutual	$695

Cheapest Car Insurance Rates for Teen Drivers in Bloomingburg,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Bloomingburg at $74 per month. At $5588 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$449	$74
American Family	$541	$91
NYCM	$905	$152
Progressive	$1433	$241
New York Central Mutual Fire	$1561	$260
USAA	$2866	$482
Nationwide	$3743	$624
Travelers	$4633	$780
Allstate	$5011	$844
State Farm	$5588	$941

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 Bloomingburg.

As young drivers face the highest rates in Bloomingburg, National Grange Mutual offers the cheapest auto insurance rates at $676 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 Bloomingburg, Chubb is the cheapest car insurance provider. At $962 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 Bloomingburg is Progressive, offering rates of around $6209 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$962	$161
Kemper	$1006	$170
Nationwide	$1297	$216
USAA	$1796	$306
NYCM	$1874	$312
Erie	$2032	$346
American Family	$2388	$398
Allstate	$2444	$412
State Farm	$2531	$426
Mercury	$2972	$505
Travelers	$3036	$511
Progressive	$6209	$1045

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Car Insurance Rates with An Accident in Bloomingburg

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

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

The cheapest car insurance companies after an at-fault accident in Bloomingburg include Kemper and American Family, offering $556 and $570, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $691.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$556	$92
American Family	$570	$96
NYCM	$691	$116
Erie	$756	$128
Chubb	$834	$139
Progressive	$912	$154
New York Central Mutual Fire	$1055	$176
USAA	$1133	$191
Nationwide	$1704	$284
Allstate	$1718	$289
State Farm	$2075	$349
Travelers	$2110	$355
Utica National	$684	$116
Preferred Mutual	$691	$115

Bloomingburg Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bloomingburg NY. For example, the car insurance in Bloomingburg after a DUI increases to $855 for a six month policy. While the rate increases by $135 for a six-month policy in the case of a speeding ticket.

Bloomingburg auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1504	$251
One Med/PIP claim	$1504	$256
One comp claim	$1518	$253
Two comp claims	$1532	$260
Two Med/PIP claims	$1532	$256
Not-at-fault accident	$1540	$262
Failure to show documents	$1561	$260
Failure to wear a seat belt	$1568	$266
Driving with expired registration	$1583	$264
At-fault accident - less than $1000	$1590	$270
Cell phone violation	$1590	$265
Child safety restraint	$1590	$270
Driving without lights	$1590	$265
Failure to stop at a red light	$1590	$270
Failure to yield	$1590	$265
Following too closely	$1590	$270
Illegal turn	$1590	$265
Improper passing	$1590	$270
Passing school bus	$1590	$265
Texting while driving	$1590	$270
Wrong way/wrong lane	$1590	$265
Driving too slowly	$1604	$272
Speeding in school zone	$1604	$268
At-fault accident - $1000-$2000	$1610	$274
Speeding 11 - 15 MPH over limit	$1639	$274
Speeding 6 - 10 MPH over limit	$1639	$278
Operating a vehicle without permission	$1668	$278
Open container	$1690	$287
In 65 MPH zone	$1760	$294
Speeding 16 - 20 MPH over limit	$1782	$304
Speeding 21 - 25 MPH over limit	$1846	$307
At-fault accident - greater than $2000	$1988	$338
Reckless driving	$2124	$354
Racing	$2209	$376
Driving with a suspended license	$2288	$382
Refusal to submit to a chemical test	$2338	$397
DUI	$2359	$394
Leaving scene of an accident/hit and run	$2395	$407

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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 Bloomingburg 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 Bloomingburg.

The cheapest car insurance premiums in Bloomingburg are offered by American Family at $541 for a six-month policy. However, it can be as expensive as $2417 with companies like State Farm.

Bloomingburg car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$541	$91
Kemper	$570	$97
Progressive	$691	$116
NYCM	$870	$146
New York Central Mutual Fire	$1283	$214
USAA	$1368	$230
Allstate	$2032	$342
Travelers	$2088	$352
Nationwide	$2117	$353
State Farm	$2417	$407

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 Bloomingburg are offered by American Family at $478. However, it can be as expensive as $2452 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Bloomingburg after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$478	$82
Kemper	$478	$79
Progressive	$592	$100
NYCM	$791	$132
USAA	$1076	$184
Nationwide	$1483	$247
State Farm	$1604	$272
Travelers	$2345	$391
Allstate	$2452	$416

Car Insurance Price Trends in Bloomingburg, New York

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

The average cost of full coverage in the Bloomingburg dipped by $296 in December compared to $298 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 Bloomingburg dipped to $102 in December, compared to $106 in November. This represents an decrease of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Bloomingburg?

The car insurance in Bloomingburg is $53 per month, which is lower than the national average.

What is the cheapest car insurance in Bloomingburg?

The cheapest car insurance in Bloomingburg is $113 per month for full coverage.

How much is car insurance in Bloomingburg for teenagers?

Car insurance for teenagers costs $449 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 Bloomingburg?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $208 per month to insure your car in Bloomingburg.

Is car insurance expensive in Bloomingburg?

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

Cheapest Car Insurance Quotes in Bloomingburg

Why you can trust Way?

How Much Is Car Insurance in Bloomingburg

Avg. Car Insurance in Bloomingburg

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Bloomingburg

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Bloomingburg Car Insurance Rates by Company

Cheap Car Insurance Companies in Bloomingburg, NY

Way's key takeaways about car insurance in Bloomingburg

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bloomingburg

Cheapest Liability Coverage in Bloomingburg, NY

Cheapest Full Coverage Car Insurance in Bloomingburg

Cheapest Full Coverage Car Insurance Quotes in Bloomingburg, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bloomingburg by Rating Factor

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

Car Insurance Premiums by Age in Bloomingburg

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bloomingburg,NY

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

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 Bloomingburg

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

Bloomingburg Car Insurance Rates by Violation

Bloomingburg auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bloomingburg after a DUI

Bloomingburg car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bloomingburg after Speeding ticket

Car Insurance Price Trends in Bloomingburg, New York

Average Car Insurance Cost in Bloomingburg by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bloomingburg, NY

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

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