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Finding the cheapest car insurance quotes in Cape Vincent 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 Cape Vincent
The car insurance rate in Cape Vincent is $761 for a six-month policy, which is $268 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $408, making it a popular choice for budget-conscious drivers. Rates in Cape Vincent 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 $408 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 $541 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $545
for six months, making it
the third cheapest auto insurance company in Cape Vincent.
Cape Vincent Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Cape Vincent, NY is Kemper, offering policies at just $408 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $541.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1138 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cape Vincent drivers find the best deals.
Way's key takeaways about car insurance in Cape Vincent
The auto insurance costs in Cape Vincent fall around $408 for six
months.
The cheapest auto insurance company in Cape Vincent is New York Central Mutual Fire.
Teen drivers pay the highest rate in Cape Vincent at $580 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 Cape Vincent
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 Cape Vincent are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in Cape Vincent. Their Average 6 Month Premium is $193.
Preferred Mutual is the most
expensive at $510 for the same
period.
Cheapest Full Coverage Car Insurance in Cape Vincent
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 Cape Vincent is Kemper
at $70 per month and $408
for six months.
Cheapest Full Coverage Car Insurance Quotes in Cape Vincent,
NY
Get Your Car Insurance Quote in Cape Vincent
Instantly!
Average Car Insurance in Cape Vincent 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 Cape Vincent, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Cape Vincent, 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, Cape Vincent's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Cape Vincent
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
$417
30s
National Grange Mutual
$297
40s
National Grange Mutual
$286
50s
National Grange Mutual
$290
60s
National Grange Mutual
$312
70s
National Grange Mutual
$428
Cheapest Car Insurance Rates for Teen Drivers in
Cape Vincent,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Cape Vincent at $46
per
month. At $3446 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 Cape Vincent.
As young drivers face the highest rates in Cape Vincent, National Grange Mutual
offers the cheapest auto insurance rates at $417 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 Cape Vincent,
Chubb is
the cheapest car insurance provider. At $593 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
Cape Vincent is Progressive, offering
rates of around $3829 for six
months.
Save up to $971/yr on car insurance rates in Cape Vincent.
Car Insurance Rates with An Accident in Cape Vincent
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 Cape Vincent, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Cape Vincent
The cheapest car insurance companies after an at-fault accident in
Cape Vincent include Kemper
and American Family, offering $343
and $352,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$426.
Here is a list of driving violations that can increase your car
insurance rates in Cape Vincent NY. For example, the car
insurance in Cape Vincent
after a DUI increases to $528 for a six
month policy. While the rate increases by $84 for a six-month policy in the case of
a speeding ticket.
Cape Vincent auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$927
$155
One Med/PIP claim
$927
$158
One comp claim
$936
$156
Two comp claims
$945
$161
Two Med/PIP claims
$945
$158
Not-at-fault accident
$949
$161
Failure to show documents
$963
$161
Failure to wear a seat belt
$967
$164
Driving with expired registration
$976
$163
At-fault accident - less than $1000
$981
$167
Cell phone violation
$981
$164
Child safety restraint
$981
$167
Driving without lights
$981
$164
Failure to stop at a red light
$981
$167
Failure to yield
$981
$164
Following too closely
$981
$167
Illegal turn
$981
$164
Improper passing
$981
$167
Passing school bus
$981
$164
Texting while driving
$981
$167
Wrong way/wrong lane
$981
$164
Driving too slowly
$989
$168
Speeding in school zone
$989
$165
At-fault accident - $1000-$2000
$993
$169
Speeding 11 - 15 MPH over limit
$1011
$169
Speeding 6 - 10 MPH over limit
$1011
$172
Operating a vehicle without permission
$1029
$172
Open container
$1042
$177
In 65 MPH zone
$1086
$181
Speeding 16 - 20 MPH over limit
$1099
$187
Speeding 21 - 25 MPH over limit
$1138
$189
At-fault accident - greater than $2000
$1226
$209
Reckless driving
$1310
$218
Racing
$1362
$232
Driving with a suspended license
$1411
$235
Refusal to submit to a chemical test
$1442
$245
DUI
$1455
$243
Leaving scene of an accident/hit and run
$1477
$251
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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 Cape Vincent 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 Cape Vincent.
The cheapest car insurance premiums in
Cape Vincent are
offered by American Family at $334 for a six-month policy.
However, it can be as
expensive as $1490 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 Cape Vincent are offered by American Family
at $295. However,
it can be as expensive as $1512
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Cape Vincent after Speeding ticket
Car Insurance Price Trends in Cape Vincent,
New York
Car insurance rates in Cape Vincent have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Cape Vincent dipped by
$183 in December
compared to $184 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 Cape Vincent dipped to $63 in December,
compared to $65 in November.
This represents an decrease of $2
when comparing December and November.
Average Car Insurance Cost in Cape Vincent 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
Cape Vincent. At $1522 for a
six-month policy, insuring
your car at 13618 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Cape Vincent?
The car insurance in Cape Vincent is $33 per month, which is lower than the national average.
What is the cheapest car insurance in Cape Vincent?
The cheapest car insurance in Cape Vincent
is $70 per month
for full coverage.
How much is car insurance in Cape Vincent for teenagers?
Car insurance for teenagers costs $277 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
Cape Vincent?
The average cost of car insurance is $1029 for a six-month
policy. It will cost around $128 per month to insure your
car in Cape Vincent.
Is car insurance expensive in Cape Vincent?
Car insurance can be expensive in Cape Vincent if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Cape Vincent can be
affordable.
What is the best car insurance in Cape Vincent,
NY?
The best car insurance company in Cape Vincent
NY is
Kemper, offering $408 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Cape Vincent, NY
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Cape Vincent Car Insurance
