We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Breezy Point shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Breezy Point
The car insurance rate in Breezy Point is $2284 for a six-month policy, which is $1255 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1225, making it a popular choice for budget-conscious drivers. Rates in Breezy Point 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.
At $1225 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 $1623 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $1636
for six months, making it
the third cheapest auto insurance company in Breezy Point.
Breezy Point Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Breezy Point, NY is Kemper, offering policies at just $1225 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1623.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $3414 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Breezy Point drivers find the best deals.
Way's key takeaways about car insurance in Breezy Point
The auto insurance costs in Breezy Point fall around $1225 for six
months.
The cheapest auto insurance company in Breezy Point is New York Central Mutual Fire.
Teen drivers pay the highest rate in Breezy Point at $1740 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 Breezy Point
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 Breezy Point are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in Breezy Point. Their Average 6 Month Premium is $579.
Preferred Mutual is the most
expensive at $1530 for the same
period.
Cheapest Full Coverage Car Insurance in Breezy Point
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 Breezy Point is Kemper
at $209 per month and $1225
for six months.
Cheapest Full Coverage Car Insurance Quotes in Breezy Point,
NY
Get Your Car Insurance Quote in Breezy Point
Instantly!
Average Car Insurance in Breezy Point 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 Breezy Point, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Breezy Point, 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, Breezy Point's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Breezy Point
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
$1250
30s
National Grange Mutual
$890
40s
National Grange Mutual
$857
50s
National Grange Mutual
$870
60s
National Grange Mutual
$937
70s
National Grange Mutual
$1285
Cheapest Car Insurance Rates for Teen Drivers in
Breezy Point,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Breezy Point at $138
per
month. At $10339 for a six-month premium,
State Farm offers the most expensive rate for
teen drivers.
If you are in your twenties National Grange Mutual is
the best choice for car
insurance in Breezy Point.
As young drivers face the highest rates in Breezy Point, National Grange Mutual
offers the cheapest auto insurance rates at $1250 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 Breezy Point,
Chubb is
the cheapest car insurance provider. At $1780 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
Breezy Point is Progressive, offering
rates of around $11486 for six
months.
Save up to $971/yr on car insurance rates in Breezy Point.
Car Insurance Rates with An Accident in Breezy Point
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 Breezy Point, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Breezy Point
The cheapest car insurance companies after an at-fault accident in
Breezy Point include Kemper
and American Family, offering $1028
and $1055,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$1279.
Here is a list of driving violations that can increase your car
insurance rates in Breezy Point NY. For example, the car
insurance in Breezy Point
after a DUI increases to $1583 for a six
month policy. While the rate increases by $251 for a six-month policy in the case of
a speeding ticket.
Breezy Point auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$2782
$464
One Med/PIP claim
$2782
$473
One comp claim
$2808
$468
Two comp claims
$2835
$482
Two Med/PIP claims
$2835
$473
Not-at-fault accident
$2848
$484
Failure to show documents
$2888
$482
Failure to wear a seat belt
$2902
$493
Driving with expired registration
$2928
$488
At-fault accident - less than $1000
$2942
$500
Cell phone violation
$2942
$491
Child safety restraint
$2942
$500
Driving without lights
$2942
$491
Failure to stop at a red light
$2942
$500
Failure to yield
$2942
$491
Following too closely
$2942
$500
Illegal turn
$2942
$491
Improper passing
$2942
$500
Passing school bus
$2942
$491
Texting while driving
$2942
$500
Wrong way/wrong lane
$2942
$491
Driving too slowly
$2968
$504
Speeding in school zone
$2968
$495
At-fault accident - $1000-$2000
$2979
$506
Speeding 11 - 15 MPH over limit
$3033
$506
Speeding 6 - 10 MPH over limit
$3033
$515
Operating a vehicle without permission
$3086
$515
Open container
$3126
$531
In 65 MPH zone
$3257
$544
Speeding 16 - 20 MPH over limit
$3297
$562
Speeding 21 - 25 MPH over limit
$3414
$568
At-fault accident - greater than $2000
$3679
$626
Reckless driving
$3929
$655
Racing
$4087
$695
Driving with a suspended license
$4234
$706
Refusal to submit to a chemical test
$4325
$735
DUI
$4365
$728
Leaving scene of an accident/hit and run
$4431
$753
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 Breezy Point 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 Breezy Point.
The cheapest car insurance premiums in
Breezy Point are
offered by American Family at $1001 for a six-month policy.
However, it can be as
expensive as $4471 with companies
like State Farm.
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 Breezy Point are offered by American Family
at $884. However,
it can be as expensive as $4535
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Breezy Point after Speeding ticket
Car Insurance Price Trends in Breezy Point,
New York
Car insurance rates in Breezy Point have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Breezy Point dipped by
$548 in December
compared to $551 of November. In other words, there has been an decrease by $3 when you
compare December and November.
The average cost of liability insurance in the Breezy Point dipped to $189 in December,
compared to $195 in November.
This represents an decrease of $6
when comparing December and November.
Average Car Insurance Cost in Breezy Point by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Breezy Point. At $4568 for a
six-month policy, insuring
your car at 11697 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Breezy Point?
The car insurance in Breezy Point is $98 per month, which is higher than the national average.
What is the cheapest car insurance in Breezy Point?
The cheapest car insurance in Breezy Point
is $209 per month
for full coverage.
How much is car insurance in Breezy Point for teenagers?
Car insurance for teenagers costs $830 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
Breezy Point?
The average cost of car insurance is $1029 for a six-month
policy. It will cost around $384 per month to insure your
car in Breezy Point.
Is car insurance expensive in Breezy Point?
Car insurance can be expensive in Breezy Point if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Breezy Point can be
affordable.
What is the best car insurance in Breezy Point,
NY?
The best car insurance company in Breezy Point
NY is
Kemper, offering $1225 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Breezy Point right now.
Find Car Insurance Rates in Cities Near Breezy Point, NY
Car Insurance Rates by State in the USA (2025 Update)
Breezy Point Car Insurance
