Cheapest Car Insurance Quotes in Centerport

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Centerport Car Insurance

^$ 63

/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 Centerport

The car insurance rate in Centerport is $1656 for a six-month policy, which is $498 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $789, making it a popular choice for budget-conscious drivers. Rates in Centerport 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 Centerport

$1656

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Centerport

1st place: Kemper

At $789 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 $1045 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1113 for six months, making it the third cheapest auto insurance company in Centerport.

Centerport Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Centerport, NY is Kemper, offering policies at just $789 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1045.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $2540 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Centerport drivers find the best deals.

Cheap Car Insurance Companies in Centerport, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$789	$134
New York Central Mutual Fire	$1045	$174
Progressive	$1113	$187
American Family	$1223	$206
NYCM	$1479	$249
USAA	$1639	$276
Erie	$1673	$282
Nationwide	$1826	$305
Travelers	$1860	$313
State Farm	$2217	$373
Allstate	$2480	$418
Chubb	$2540	$423

Key Takeaways

Way's key takeaways about car insurance in Centerport

The auto insurance costs in Centerport fall around $789 for six months.
The cheapest auto insurance company in Centerport is New York Central Mutual Fire.
Teen drivers pay the highest rate in Centerport at $1277 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Centerport

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 Centerport are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Centerport. Their Average 6 Month Premium is $373. Preferred Mutual is the most expensive at $985 for the same period.

Cheapest Liability Coverage in Centerport, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$373	$63
NYCM	$442	$73
Kemper	$459	$79
American Family	$552	$93
Progressive	$569	$96
USAA	$731	$123
Erie	$901	$153
Travelers	$968	$162
Allstate	$1037	$176
State Farm	$1104	$184
Nationwide	$714	$119
Utica National	$815	$139
Preferred Mutual	$985	$164

Cheapest Full Coverage Car Insurance in Centerport

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 Centerport is Kemper at $134 per month and $789 for six months.

Cheapest Full Coverage Car Insurance Quotes in Centerport, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$789	$134
New York Central Mutual Fire	$1045	$174
Progressive	$1113	$187
American Family	$1223	$206
NYCM	$1479	$249
USAA	$1639	$276
Erie	$1673	$282
Nationwide	$1826	$305
Travelers	$1860	$313
State Farm	$2217	$373
Allstate	$2480	$418
Chubb	$2540	$423

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Average Car Insurance in Centerport 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 Centerport, NY increasing?

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

Car Insurance Premiums by Age in Centerport

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 Centerport,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Centerport at $92 per month. At $7585 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$535	$92
American Family	$645	$109
NYCM	$1427	$240
Progressive	$1759	$296
New York Central Mutual Fire	$1860	$316
Erie	$3576	$596
USAA	$3933	$662
Travelers	$5172	$871
Nationwide	$5385	$915
Chubb	$5640	$940
Allstate	$6489	$1093
State Farm	$7585	$1277

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 Centerport, Kemper is the cheapest car insurance provider. At $1198 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 Centerport is Progressive, offering rates of around $7177 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1198	$200
Nationwide	$1826	$310
Chubb	$2166	$365
USAA	$2633	$448
Erie	$2803	$472
American Family	$2846	$483
NYCM	$3186	$531
Allstate	$3473	$585
Mercury	$3542	$591
State Farm	$3661	$616
Travelers	$4239	$714
Progressive	$7177	$1208

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Car Insurance Rates with An Accident in Centerport

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

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

The cheapest car insurance companies after an at-fault accident in Centerport include Kemper and American Family, offering $662 and $679, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $824.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$662	$110
American Family	$679	$114
Progressive	$1045	$176
NYCM	$1062	$179
New York Central Mutual Fire	$1257	$210
USAA	$1427	$240
Erie	$1826	$307
Chubb	$2072	$349
Allstate	$2234	$376
Travelers	$2302	$388
Nationwide	$2412	$402
State Farm	$2820	$475
Utica National	$815	$139
Preferred Mutual	$824	$137

Centerport Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Centerport NY. For example, the car insurance in Centerport after a DUI increases to $1019 for a six month policy. While the rate increases by $161 for a six-month policy in the case of a speeding ticket.

Centerport auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1792	$299
One Med/PIP claim	$1792	$305
One comp claim	$1809	$302
Two comp claims	$1826	$310
Two Med/PIP claims	$1826	$305
Not-at-fault accident	$1835	$312
Failure to show documents	$1860	$310
Failure to wear a seat belt	$1869	$317
Driving with expired registration	$1886	$315
At-fault accident - less than $1000	$1895	$322
Cell phone violation	$1895	$316
Child safety restraint	$1895	$322
Driving without lights	$1895	$316
Failure to stop at a red light	$1895	$322
Failure to yield	$1895	$316
Following too closely	$1895	$322
Illegal turn	$1895	$316
Improper passing	$1895	$322
Passing school bus	$1895	$316
Texting while driving	$1895	$322
Wrong way/wrong lane	$1895	$316
Driving too slowly	$1912	$325
Speeding in school zone	$1912	$319
At-fault accident - $1000-$2000	$1919	$326
Speeding 11 - 15 MPH over limit	$1953	$326
Speeding 6 - 10 MPH over limit	$1953	$332
Operating a vehicle without permission	$1988	$332
Open container	$2013	$342
In 65 MPH zone	$2098	$350
Speeding 16 - 20 MPH over limit	$2124	$362
Speeding 21 - 25 MPH over limit	$2199	$366
At-fault accident - greater than $2000	$2370	$403
Reckless driving	$2531	$422
Racing	$2633	$448
Driving with a suspended license	$2727	$455
Refusal to submit to a chemical test	$2786	$473
DUI	$2811	$469
Leaving scene of an accident/hit and run	$2854	$485

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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 Centerport 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 Centerport.

The cheapest car insurance premiums in Centerport are offered by American Family at $645 for a six-month policy. However, it can be as expensive as $3186 with companies like Chubb.

Centerport car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$645	$109
Kemper	$679	$116
Progressive	$875	$147
NYCM	$1326	$223
New York Central Mutual Fire	$1529	$255
USAA	$1742	$293
Travelers	$2277	$383
Allstate	$2693	$453
Erie	$2777	$463
Nationwide	$3016	$513
State Farm	$3169	$533
Chubb	$3186	$542

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 Centerport are offered by American Family at $569. However, it can be as expensive as $3626 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Centerport after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$569	$94
Kemper	$569	$97
Progressive	$824	$139
NYCM	$1334	$227
USAA	$1546	$257
Erie	$1809	$307
Nationwide	$1826	$305
Travelers	$2106	$358
State Farm	$2548	$425
Chubb	$3016	$513
Allstate	$3626	$605

Car Insurance Price Trends in Centerport, New York

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

The average cost of full coverage in the Centerport rose by $393 in January compared to $353 of December. In other words, there has been an increase by $40 when you compare January and December.

The average cost of liability insurance in the Centerport dipped to $114 in January, compared to $122 in December. This represents an decrease of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Centerport?

The car insurance in Centerport is $63 per month, which is lower than the national average.

What is the cheapest car insurance in Centerport?

The cheapest car insurance in Centerport is $134 per month for full coverage.

How much is car insurance in Centerport for teenagers?

Car insurance for teenagers costs $535 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 Centerport?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $277 per month to insure your car in Centerport.

Is car insurance expensive in Centerport?

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

Cheapest Car Insurance Quotes in Centerport

Why you can trust Way?

How Much Is Car Insurance in Centerport

Avg. Car Insurance in Centerport

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Centerport

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Centerport Car Insurance Rates by Company

Cheap Car Insurance Companies in Centerport, NY

Way's key takeaways about car insurance in Centerport

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Centerport

Cheapest Liability Coverage in Centerport, NY

Cheapest Full Coverage Car Insurance in Centerport

Cheapest Full Coverage Car Insurance Quotes in Centerport, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Centerport by Rating Factor

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

Car Insurance Premiums by Age in Centerport

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Centerport,NY

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

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 Centerport

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

Centerport Car Insurance Rates by Violation

Centerport auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Centerport after a DUI

Centerport car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Centerport after Speeding ticket

Car Insurance Price Trends in Centerport, New York

Average Car Insurance Cost in Centerport by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Centerport, NY

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

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