Cheapest Car Insurance Quotes in Center Moriches

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Center Moriches Car Insurance

^$ 54

/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 Center Moriches

The car insurance rate in Center Moriches is $1424 for a six-month policy, which is $266 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $679, making it a popular choice for budget-conscious drivers. Rates in Center Moriches 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 Center Moriches

$1424

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Center Moriches

1st place: Kemper

At $679 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 $899 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $957 for six months, making it the third cheapest auto insurance company in Center Moriches.

Center Moriches Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Center Moriches, NY is Kemper, offering policies at just $679 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $899.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $2184 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Center Moriches drivers find the best deals.

Cheap Car Insurance Companies in Center Moriches, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$679	$116
New York Central Mutual Fire	$899	$150
Progressive	$957	$161
American Family	$1052	$177
NYCM	$1272	$214
USAA	$1410	$237
Erie	$1439	$242
Nationwide	$1571	$262
Travelers	$1600	$269
State Farm	$1907	$321
Allstate	$2133	$359
Chubb	$2184	$364

Key Takeaways

Way's key takeaways about car insurance in Center Moriches

The auto insurance costs in Center Moriches fall around $679 for six months.
The cheapest auto insurance company in Center Moriches is New York Central Mutual Fire.
Teen drivers pay the highest rate in Center Moriches at $1098 per month.

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Cheapest Minimum Liability Car Insurance in Center Moriches

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 Center Moriches are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Center Moriches. Their Average 6 Month Premium is $321. Preferred Mutual is the most expensive at $847 for the same period.

Cheapest Liability Coverage in Center Moriches, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$321	$54
NYCM	$380	$63
Kemper	$395	$68
American Family	$475	$80
Progressive	$490	$82
USAA	$629	$106
Erie	$775	$132
Travelers	$833	$139
Allstate	$892	$151
State Farm	$950	$159
Nationwide	$614	$102
Utica National	$701	$119
Preferred Mutual	$847	$141

Cheapest Full Coverage Car Insurance in Center Moriches

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 Center Moriches is Kemper at $116 per month and $679 for six months.

Cheapest Full Coverage Car Insurance Quotes in Center Moriches, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$679	$116
New York Central Mutual Fire	$899	$150
Progressive	$957	$161
American Family	$1052	$177
NYCM	$1272	$214
USAA	$1410	$237
Erie	$1439	$242
Nationwide	$1571	$262
Travelers	$1600	$269
State Farm	$1907	$321
Allstate	$2133	$359
Chubb	$2184	$364

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Average Car Insurance in Center Moriches 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 Center Moriches, NY increasing?

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

Car Insurance Premiums by Age in Center Moriches

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

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Cheapest Car Insurance Rates for Teen Drivers in Center Moriches,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Center Moriches at $79 per month. At $6524 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$460	$79
American Family	$555	$93
NYCM	$1228	$207
Progressive	$1513	$255
New York Central Mutual Fire	$1600	$272
Erie	$3076	$513
USAA	$3383	$569
Travelers	$4449	$749
Nationwide	$4632	$787
Chubb	$4851	$808
Allstate	$5582	$940
State Farm	$6524	$1098

Teen Car Insurance Rates in NY by Age

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 Center Moriches, Kemper is the cheapest car insurance provider. At $1031 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 Center Moriches is Progressive, offering rates of around $6173 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1031	$172
Nationwide	$1571	$267
Chubb	$1863	$314
USAA	$2264	$385
Erie	$2411	$406
American Family	$2448	$416
NYCM	$2740	$456
Allstate	$2988	$503
Mercury	$3047	$508
State Farm	$3149	$530
Travelers	$3646	$614
Progressive	$6173	$1039

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Car Insurance Rates with An Accident in Center Moriches

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

Cheapest Car Insurance Companies after an At-Fault Accident in Center Moriches

The cheapest car insurance companies after an at-fault accident in Center Moriches include Kemper and American Family, offering $569 and $584, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $708.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$569	$95
American Family	$584	$98
Progressive	$899	$151
NYCM	$914	$154
New York Central Mutual Fire	$1081	$181
USAA	$1228	$207
Erie	$1571	$264
Chubb	$1782	$300
Allstate	$1921	$323
Travelers	$1980	$333
Nationwide	$2075	$346
State Farm	$2426	$408
Utica National	$701	$119
Preferred Mutual	$708	$118

Center Moriches Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Center Moriches NY. For example, the car insurance in Center Moriches after a DUI increases to $877 for a six month policy. While the rate increases by $139 for a six-month policy in the case of a speeding ticket.

Center Moriches auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1541	$257
One Med/PIP claim	$1541	$262
One comp claim	$1556	$260
Two comp claims	$1571	$267
Two Med/PIP claims	$1571	$262
Not-at-fault accident	$1578	$268
Failure to show documents	$1600	$267
Failure to wear a seat belt	$1608	$273
Driving with expired registration	$1622	$271
At-fault accident - less than $1000	$1630	$277
Cell phone violation	$1630	$272
Child safety restraint	$1630	$277
Driving without lights	$1630	$272
Failure to stop at a red light	$1630	$277
Failure to yield	$1630	$272
Following too closely	$1630	$277
Illegal turn	$1630	$272
Improper passing	$1630	$277
Passing school bus	$1630	$272
Texting while driving	$1630	$277
Wrong way/wrong lane	$1630	$272
Driving too slowly	$1645	$279
Speeding in school zone	$1645	$274
At-fault accident - $1000-$2000	$1651	$280
Speeding 11 - 15 MPH over limit	$1680	$280
Speeding 6 - 10 MPH over limit	$1680	$285
Operating a vehicle without permission	$1710	$285
Open container	$1732	$294
In 65 MPH zone	$1804	$301
Speeding 16 - 20 MPH over limit	$1827	$311
Speeding 21 - 25 MPH over limit	$1892	$315
At-fault accident - greater than $2000	$2038	$347
Reckless driving	$2177	$363
Racing	$2264	$385
Driving with a suspended license	$2346	$391
Refusal to submit to a chemical test	$2396	$407
DUI	$2418	$403
Leaving scene of an accident/hit and run	$2455	$417

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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 Center Moriches 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 Center Moriches.

The cheapest car insurance premiums in Center Moriches are offered by American Family at $555 for a six-month policy. However, it can be as expensive as $2740 with companies like Chubb.

Center Moriches car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$555	$93
Kemper	$584	$100
Progressive	$753	$127
NYCM	$1140	$192
New York Central Mutual Fire	$1315	$219
USAA	$1498	$252
Travelers	$1958	$330
Allstate	$2316	$390
Erie	$2389	$399
Nationwide	$2594	$442
State Farm	$2726	$459
Chubb	$2740	$466

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 Center Moriches are offered by American Family at $490. However, it can be as expensive as $3119 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Center Moriches after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$490	$81
Kemper	$490	$84
Progressive	$708	$119
NYCM	$1148	$196
USAA	$1330	$221
Erie	$1556	$264
Nationwide	$1571	$262
Travelers	$1812	$308
State Farm	$2192	$365
Chubb	$2594	$442
Allstate	$3119	$520

Car Insurance Price Trends in Center Moriches, New York

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

The average cost of full coverage in the Center Moriches rose by $338 in January compared to $304 of December. In other words, there has been an increase by $34 when you compare January and December.

The average cost of liability insurance in the Center Moriches dipped to $98 in January, compared to $105 in December. This represents an decrease of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Center Moriches?

The car insurance in Center Moriches is $54 per month, which is lower than the national average.

What is the cheapest car insurance in Center Moriches?

The cheapest car insurance in Center Moriches is $116 per month for full coverage.

How much is car insurance in Center Moriches for teenagers?

Car insurance for teenagers costs $460 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 Center Moriches?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $239 per month to insure your car in Center Moriches.

Is car insurance expensive in Center Moriches?

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

Cheapest Car Insurance Quotes in Center Moriches

Why you can trust Way?

How Much Is Car Insurance in Center Moriches

Avg. Car Insurance in Center Moriches

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Center Moriches

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Center Moriches Car Insurance Rates by Company

Cheap Car Insurance Companies in Center Moriches, NY

Way's key takeaways about car insurance in Center Moriches

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Center Moriches

Cheapest Liability Coverage in Center Moriches, NY

Cheapest Full Coverage Car Insurance in Center Moriches

Cheapest Full Coverage Car Insurance Quotes in Center Moriches, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Center Moriches by Rating Factor

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

Car Insurance Premiums by Age in Center Moriches

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Center Moriches,NY

If you are in your twenties N/A is the best choice for car insurance in Center Moriches.

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 Center Moriches

Cheapest Car Insurance Companies after an At-Fault Accident in Center Moriches

Center Moriches Car Insurance Rates by Violation

Center Moriches auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Center Moriches after a DUI

Center Moriches car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Center Moriches after Speeding ticket

Car Insurance Price Trends in Center Moriches, New York

Average Car Insurance Cost in Center Moriches by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Center Moriches, NY

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

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