Cheapest Car Insurance Quotes in Cedarhurst

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Cedarhurst Car Insurance

^$ 80

/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 Cedarhurst

The car insurance rate in Cedarhurst is $1873 for a six-month policy, which is $844 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1005, making it a popular choice for budget-conscious drivers. Rates in Cedarhurst 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 Cedarhurst

$1873

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Cedarhurst

1st place: Kemper

At $1005 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 $1330 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1341 for six months, making it the third cheapest auto insurance company in Cedarhurst.

Cedarhurst Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cedarhurst, NY is Kemper, offering policies at just $1005 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1330.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2799 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cedarhurst drivers find the best deals.

Cheap Car Insurance Companies in Cedarhurst, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1005	$171
New York Central Mutual Fire	$1330	$222
Progressive	$1341	$226
American Family	$1556	$262
NYCM	$1633	$275
Erie	$1957	$326
Nationwide	$1967	$335
USAA	$1978	$333
State Farm	$2453	$413
Travelers	$2584	$435
Allstate	$2799	$471

Key Takeaways

Way's key takeaways about car insurance in Cedarhurst

The auto insurance costs in Cedarhurst fall around $1005 for six months.
The cheapest auto insurance company in Cedarhurst is New York Central Mutual Fire.
Teen drivers pay the highest rate in Cedarhurst at $1427 per month.

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Cheapest Minimum Liability Car Insurance in Cedarhurst

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 Cedarhurst are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Cedarhurst. Their Average 6 Month Premium is $475. Preferred Mutual is the most expensive at $1254 for the same period.

Cheapest Liability Coverage in Cedarhurst, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$475	$80
NYCM	$497	$84
Kemper	$584	$96
Progressive	$692	$116
American Family	$703	$118
USAA	$854	$144
Nationwide	$908	$151
Erie	$1147	$195
State Farm	$1330	$224
Travelers	$1427	$240
Allstate	$1492	$251
Utica National	$1037	$177
Preferred Mutual	$1254	$209

Cheapest Full Coverage Car Insurance in Cedarhurst

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 Cedarhurst is Kemper at $171 per month and $1005 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cedarhurst, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1005	$171
New York Central Mutual Fire	$1330	$222
Progressive	$1341	$226
American Family	$1556	$262
NYCM	$1633	$275
Erie	$1957	$326
Nationwide	$1967	$335
USAA	$1978	$333
State Farm	$2453	$413
Travelers	$2584	$435
Allstate	$2799	$471

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Average Car Insurance in Cedarhurst 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 Cedarhurst, NY increasing?

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

Car Insurance Premiums by Age in Cedarhurst

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	$1025
30s	National Grange Mutual	$730
40s	National Grange Mutual	$703
50s	National Grange Mutual	$713
60s	National Grange Mutual	$768
70s	National Grange Mutual	$1054

Cheapest Car Insurance Rates for Teen Drivers in Cedarhurst,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Cedarhurst at $113 per month. At $8476 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$681	$113
American Family	$821	$138
NYCM	$1372	$231
Progressive	$2173	$366
New York Central Mutual Fire	$2368	$395
USAA	$4346	$732
Nationwide	$5677	$946
Travelers	$7027	$1183
Allstate	$7600	$1279
State Farm	$8476	$1427

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 Cedarhurst.

As young drivers face the highest rates in Cedarhurst, National Grange Mutual offers the cheapest auto insurance rates at $1025 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 Cedarhurst, Chubb is the cheapest car insurance provider. At $1460 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 Cedarhurst is Progressive, offering rates of around $9417 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1460	$244
Kemper	$1525	$258
Nationwide	$1967	$328
USAA	$2725	$464
NYCM	$2843	$473
Erie	$3081	$524
American Family	$3622	$604
Allstate	$3707	$624
State Farm	$3838	$646
Mercury	$4508	$766
Travelers	$4605	$775
Progressive	$9417	$1585

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Car Insurance Rates with An Accident in Cedarhurst

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

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

The cheapest car insurance companies after an at-fault accident in Cedarhurst include Kemper and American Family, offering $843 and $865, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $1048.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$843	$140
American Family	$865	$146
NYCM	$1048	$177
Erie	$1147	$195
Chubb	$1265	$211
Progressive	$1383	$233
New York Central Mutual Fire	$1600	$268
USAA	$1718	$289
Nationwide	$2584	$431
Allstate	$2606	$439
State Farm	$3147	$530
Travelers	$3200	$539
Utica National	$1037	$177
Preferred Mutual	$1048	$175

Cedarhurst Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cedarhurst NY. For example, the car insurance in Cedarhurst after a DUI increases to $1298 for a six month policy. While the rate increases by $206 for a six-month policy in the case of a speeding ticket.

Cedarhurst auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2280	$380
One Med/PIP claim	$2280	$388
One comp claim	$2302	$384
Two comp claims	$2324	$395
Two Med/PIP claims	$2324	$388
Not-at-fault accident	$2335	$397
Failure to show documents	$2368	$395
Failure to wear a seat belt	$2379	$404
Driving with expired registration	$2401	$400
At-fault accident - less than $1000	$2412	$410
Cell phone violation	$2412	$402
Child safety restraint	$2412	$410
Driving without lights	$2412	$402
Failure to stop at a red light	$2412	$410
Failure to yield	$2412	$402
Following too closely	$2412	$410
Illegal turn	$2412	$402
Improper passing	$2412	$410
Passing school bus	$2412	$402
Texting while driving	$2412	$410
Wrong way/wrong lane	$2412	$402
Driving too slowly	$2433	$413
Speeding in school zone	$2433	$406
At-fault accident - $1000-$2000	$2442	$415
Speeding 11 - 15 MPH over limit	$2486	$415
Speeding 6 - 10 MPH over limit	$2486	$422
Operating a vehicle without permission	$2530	$422
Open container	$2563	$435
In 65 MPH zone	$2670	$446
Speeding 16 - 20 MPH over limit	$2703	$460
Speeding 21 - 25 MPH over limit	$2799	$466
At-fault accident - greater than $2000	$3016	$513
Reckless driving	$3221	$537
Racing	$3351	$570
Driving with a suspended license	$3471	$579
Refusal to submit to a chemical test	$3545	$602
DUI	$3578	$597
Leaving scene of an accident/hit and run	$3633	$617

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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 Cedarhurst 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 Cedarhurst.

The cheapest car insurance premiums in Cedarhurst are offered by American Family at $821 for a six-month policy. However, it can be as expensive as $3665 with companies like State Farm.

Cedarhurst car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$821	$138
Kemper	$865	$147
Progressive	$1048	$177
NYCM	$1320	$222
New York Central Mutual Fire	$1946	$324
USAA	$2075	$349
Allstate	$3081	$519
Travelers	$3167	$533
Nationwide	$3210	$535
State Farm	$3665	$617

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 Cedarhurst are offered by American Family at $724. However, it can be as expensive as $3718 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Cedarhurst after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$724	$124
Kemper	$724	$120
Progressive	$897	$151
NYCM	$1199	$200
USAA	$1633	$278
Nationwide	$2250	$375
State Farm	$2433	$413
Travelers	$3556	$593
Allstate	$3718	$632

Car Insurance Price Trends in Cedarhurst, New York

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

The average cost of full coverage in the Cedarhurst dipped by $450 in December compared to $451 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 Cedarhurst dipped to $155 in December, compared to $160 in November. This represents an decrease of $5 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Cedarhurst?

The car insurance in Cedarhurst is $80 per month, which is lower than the national average.

What is the cheapest car insurance in Cedarhurst?

The cheapest car insurance in Cedarhurst is $171 per month for full coverage.

How much is car insurance in Cedarhurst for teenagers?

Car insurance for teenagers costs $681 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 Cedarhurst?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $315 per month to insure your car in Cedarhurst.

Is car insurance expensive in Cedarhurst?

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

Cheapest Car Insurance Quotes in Cedarhurst

Why you can trust Way?

How Much Is Car Insurance in Cedarhurst

Avg. Car Insurance in Cedarhurst

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Cedarhurst

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Cedarhurst Car Insurance Rates by Company

Cheap Car Insurance Companies in Cedarhurst, NY

Way's key takeaways about car insurance in Cedarhurst

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cedarhurst

Cheapest Liability Coverage in Cedarhurst, NY

Cheapest Full Coverage Car Insurance in Cedarhurst

Cheapest Full Coverage Car Insurance Quotes in Cedarhurst, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cedarhurst by Rating Factor

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

Car Insurance Premiums by Age in Cedarhurst

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cedarhurst,NY

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

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 Cedarhurst

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

Cedarhurst Car Insurance Rates by Violation

Cedarhurst auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cedarhurst after a DUI

Cedarhurst car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cedarhurst after Speeding ticket

Car Insurance Price Trends in Cedarhurst, New York

Average Car Insurance Cost in Cedarhurst by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cedarhurst, NY

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

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