Cheapest Car Insurance Quotes in Bohemia

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Bohemia Car Insurance

^$ 62

/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 Bohemia

The car insurance rate in Bohemia is $1441 for a six-month policy, which is $412 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $773, making it a popular choice for budget-conscious drivers. Rates in Bohemia 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 Bohemia

$1441

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Bohemia

1st place: Kemper

At $773 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 $1023 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1032 for six months, making it the third cheapest auto insurance company in Bohemia.

Bohemia Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bohemia, NY is Kemper, offering policies at just $773 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1023.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2153 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bohemia drivers find the best deals.

Cheap Car Insurance Companies in Bohemia, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$773	$132
New York Central Mutual Fire	$1023	$171
Progressive	$1032	$174
American Family	$1197	$202
NYCM	$1256	$211
Erie	$1505	$251
Nationwide	$1513	$258
USAA	$1522	$256
State Farm	$1887	$318
Travelers	$1988	$335
Allstate	$2153	$363

Key Takeaways

Way's key takeaways about car insurance in Bohemia

The auto insurance costs in Bohemia fall around $773 for six months.
The cheapest auto insurance company in Bohemia is New York Central Mutual Fire.
Teen drivers pay the highest rate in Bohemia at $1098 per month.

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Cheapest Minimum Liability Car Insurance in Bohemia

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 Bohemia are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Bohemia. Their Average 6 Month Premium is $365. Preferred Mutual is the most expensive at $965 for the same period.

Cheapest Liability Coverage in Bohemia, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$365	$62
NYCM	$382	$64
Kemper	$449	$74
Progressive	$532	$90
American Family	$540	$91
USAA	$657	$111
Nationwide	$699	$116
Erie	$882	$150
State Farm	$1023	$172
Travelers	$1098	$185
Allstate	$1148	$193
Utica National	$798	$136
Preferred Mutual	$965	$161

Cheapest Full Coverage Car Insurance in Bohemia

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 Bohemia is Kemper at $132 per month and $773 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bohemia, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$773	$132
New York Central Mutual Fire	$1023	$171
Progressive	$1032	$174
American Family	$1197	$202
NYCM	$1256	$211
Erie	$1505	$251
Nationwide	$1513	$258
USAA	$1522	$256
State Farm	$1887	$318
Travelers	$1988	$335
Allstate	$2153	$363

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Average Car Insurance in Bohemia 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 Bohemia, NY increasing?

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

Car Insurance Premiums by Age in Bohemia

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	$788
30s	National Grange Mutual	$561
40s	National Grange Mutual	$540
50s	National Grange Mutual	$549
60s	National Grange Mutual	$591
70s	National Grange Mutual	$811

Cheapest Car Insurance Rates for Teen Drivers in Bohemia,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Bohemia at $87 per month. At $6520 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$524	$87
American Family	$631	$106
NYCM	$1056	$178
Progressive	$1672	$281
New York Central Mutual Fire	$1821	$304
USAA	$3343	$563
Nationwide	$4367	$728
Travelers	$5405	$910
Allstate	$5846	$984
State Farm	$6520	$1098

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 Bohemia.

As young drivers face the highest rates in Bohemia, National Grange Mutual offers the cheapest auto insurance rates at $788 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 Bohemia, Chubb is the cheapest car insurance provider. At $1123 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 Bohemia is Progressive, offering rates of around $7244 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1123	$188
Kemper	$1173	$199
Nationwide	$1513	$252
USAA	$2096	$357
NYCM	$2187	$364
Erie	$2370	$403
American Family	$2786	$465
Allstate	$2852	$480
State Farm	$2953	$497
Mercury	$3468	$589
Travelers	$3542	$596
Progressive	$7244	$1219

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

Car Insurance Rates with An Accident in Bohemia

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

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

The cheapest car insurance companies after an at-fault accident in Bohemia include Kemper and American Family, offering $648 and $665, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $806.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$648	$108
American Family	$665	$112
NYCM	$806	$136
Erie	$882	$150
Chubb	$973	$162
Progressive	$1064	$179
New York Central Mutual Fire	$1231	$206
USAA	$1322	$223
Nationwide	$1988	$332
Allstate	$2005	$337
State Farm	$2421	$407
Travelers	$2461	$414
Utica National	$798	$136
Preferred Mutual	$806	$134

Bohemia Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bohemia NY. For example, the car insurance in Bohemia after a DUI increases to $998 for a six month policy. While the rate increases by $158 for a six-month policy in the case of a speeding ticket.

Bohemia auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1754	$293
One Med/PIP claim	$1754	$298
One comp claim	$1771	$295
Two comp claims	$1788	$304
Two Med/PIP claims	$1788	$298
Not-at-fault accident	$1796	$305
Failure to show documents	$1821	$304
Failure to wear a seat belt	$1830	$311
Driving with expired registration	$1847	$308
At-fault accident - less than $1000	$1855	$315
Cell phone violation	$1855	$309
Child safety restraint	$1855	$315
Driving without lights	$1855	$309
Failure to stop at a red light	$1855	$315
Failure to yield	$1855	$309
Following too closely	$1855	$315
Illegal turn	$1855	$309
Improper passing	$1855	$315
Passing school bus	$1855	$309
Texting while driving	$1855	$315
Wrong way/wrong lane	$1855	$309
Driving too slowly	$1872	$318
Speeding in school zone	$1872	$312
At-fault accident - $1000-$2000	$1879	$319
Speeding 11 - 15 MPH over limit	$1912	$319
Speeding 6 - 10 MPH over limit	$1912	$325
Operating a vehicle without permission	$1946	$325
Open container	$1971	$335
In 65 MPH zone	$2054	$343
Speeding 16 - 20 MPH over limit	$2079	$354
Speeding 21 - 25 MPH over limit	$2153	$358
At-fault accident - greater than $2000	$2320	$395
Reckless driving	$2478	$413
Racing	$2577	$438
Driving with a suspended license	$2670	$445
Refusal to submit to a chemical test	$2727	$463
DUI	$2752	$459
Leaving scene of an accident/hit and run	$2794	$475

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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 Bohemia 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 Bohemia.

The cheapest car insurance premiums in Bohemia are offered by American Family at $631 for a six-month policy. However, it can be as expensive as $2820 with companies like State Farm.

Bohemia car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$631	$106
Kemper	$665	$113
Progressive	$806	$136
NYCM	$1015	$171
New York Central Mutual Fire	$1497	$249
USAA	$1596	$269
Allstate	$2370	$399
Travelers	$2436	$410
Nationwide	$2470	$412
State Farm	$2820	$475

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 Bohemia are offered by American Family at $557. However, it can be as expensive as $2860 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Bohemia after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$557	$95
Kemper	$557	$92
Progressive	$690	$116
NYCM	$923	$154
USAA	$1256	$214
Nationwide	$1730	$288
State Farm	$1872	$318
Travelers	$2736	$456
Allstate	$2860	$486

Car Insurance Price Trends in Bohemia, New York

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

The average cost of full coverage in the Bohemia dipped by $346 in December compared to $347 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 Bohemia dipped to $119 in December, compared to $123 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 Bohemia?

The car insurance in Bohemia is $62 per month, which is lower than the national average.

What is the cheapest car insurance in Bohemia?

The cheapest car insurance in Bohemia is $132 per month for full coverage.

How much is car insurance in Bohemia for teenagers?

Car insurance for teenagers costs $524 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 Bohemia?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $242 per month to insure your car in Bohemia.

Is car insurance expensive in Bohemia?

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

Cheapest Car Insurance Quotes in Bohemia

Why you can trust Way?

How Much Is Car Insurance in Bohemia

Avg. Car Insurance in Bohemia

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Bohemia

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Bohemia Car Insurance Rates by Company

Cheap Car Insurance Companies in Bohemia, NY

Way's key takeaways about car insurance in Bohemia

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bohemia

Cheapest Liability Coverage in Bohemia, NY

Cheapest Full Coverage Car Insurance in Bohemia

Cheapest Full Coverage Car Insurance Quotes in Bohemia, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bohemia by Rating Factor

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

Car Insurance Premiums by Age in Bohemia

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bohemia,NY

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

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 Bohemia

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

Bohemia Car Insurance Rates by Violation

Bohemia auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bohemia after a DUI

Bohemia car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bohemia after Speeding ticket

Car Insurance Price Trends in Bohemia, New York

Average Car Insurance Cost in Bohemia by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bohemia, NY

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

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