Cheapest Car Insurance Quotes in Central Islip

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Central Islip Car Insurance

^$ 68

/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 Central Islip

The car insurance rate in Central Islip is $1595 for a six-month policy, which is $566 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $856, making it a popular choice for budget-conscious drivers. Rates in Central Islip 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 Central Islip

$1595

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Central Islip

1st place: Kemper

At $856 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 $1133 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1142 for six months, making it the third cheapest auto insurance company in Central Islip.

Central Islip Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Central Islip, NY is Kemper, offering policies at just $856 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1133.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2384 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Central Islip drivers find the best deals.

Cheap Car Insurance Companies in Central Islip, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$856	$146
New York Central Mutual Fire	$1133	$189
Progressive	$1142	$192
American Family	$1325	$223
NYCM	$1390	$234
Erie	$1666	$277
Nationwide	$1676	$285
USAA	$1685	$284
State Farm	$2089	$352
Travelers	$2201	$370
Allstate	$2384	$401

Key Takeaways

Way's key takeaways about car insurance in Central Islip

The auto insurance costs in Central Islip fall around $856 for six months.
The cheapest auto insurance company in Central Islip is New York Central Mutual Fire.
Teen drivers pay the highest rate in Central Islip at $1215 per month.

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Cheapest Minimum Liability Car Insurance in Central Islip

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 Central Islip are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Central Islip. Their Average 6 Month Premium is $405. Preferred Mutual is the most expensive at $1068 for the same period.

Cheapest Liability Coverage in Central Islip, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$405	$68
NYCM	$423	$71
Kemper	$498	$82
Progressive	$589	$99
American Family	$598	$101
USAA	$727	$122
Nationwide	$773	$129
Erie	$977	$166
State Farm	$1133	$191
Travelers	$1215	$205
Allstate	$1271	$214
Utica National	$884	$150
Preferred Mutual	$1068	$178

Cheapest Full Coverage Car Insurance in Central Islip

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 Central Islip is Kemper at $146 per month and $856 for six months.

Cheapest Full Coverage Car Insurance Quotes in Central Islip, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$856	$146
New York Central Mutual Fire	$1133	$189
Progressive	$1142	$192
American Family	$1325	$223
NYCM	$1390	$234
Erie	$1666	$277
Nationwide	$1676	$285
USAA	$1685	$284
State Farm	$2089	$352
Travelers	$2201	$370
Allstate	$2384	$401

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Average Car Insurance in Central Islip 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 Central Islip, NY increasing?

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

Car Insurance Premiums by Age in Central Islip

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	$873
30s	National Grange Mutual	$622
40s	National Grange Mutual	$598
50s	National Grange Mutual	$608
60s	National Grange Mutual	$654
70s	National Grange Mutual	$897

Cheapest Car Insurance Rates for Teen Drivers in Central Islip,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Central Islip at $96 per month. At $7218 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$580	$96
American Family	$699	$118
NYCM	$1169	$197
Progressive	$1851	$312
New York Central Mutual Fire	$2017	$336
USAA	$3701	$623
Nationwide	$4834	$806
Travelers	$5985	$1008
Allstate	$6473	$1090
State Farm	$7218	$1215

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 Central Islip.

As young drivers face the highest rates in Central Islip, National Grange Mutual offers the cheapest auto insurance rates at $873 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 Central Islip, Chubb is the cheapest car insurance provider. At $1243 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 Central Islip is Progressive, offering rates of around $8020 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1243	$208
Kemper	$1299	$220
Nationwide	$1676	$279
USAA	$2320	$395
NYCM	$2421	$403
Erie	$2624	$446
American Family	$3085	$515
Allstate	$3157	$532
State Farm	$3269	$550
Mercury	$3839	$653
Travelers	$3922	$660
Progressive	$8020	$1350

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Car Insurance Rates with An Accident in Central Islip

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

Cheapest Car Insurance Companies after an At-Fault Accident in Central Islip

The cheapest car insurance companies after an at-fault accident in Central Islip include Kemper and American Family, offering $718 and $736, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $893.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$718	$119
American Family	$736	$124
NYCM	$893	$150
Erie	$977	$166
Chubb	$1077	$180
Progressive	$1178	$198
New York Central Mutual Fire	$1362	$228
USAA	$1463	$246
Nationwide	$2201	$367
Allstate	$2220	$374
State Farm	$2680	$451
Travelers	$2725	$459
Utica National	$884	$150
Preferred Mutual	$893	$149

Central Islip Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Central Islip NY. For example, the car insurance in Central Islip after a DUI increases to $1105 for a six month policy. While the rate increases by $175 for a six-month policy in the case of a speeding ticket.

Central Islip auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1942	$324
One Med/PIP claim	$1942	$330
One comp claim	$1961	$327
Two comp claims	$1979	$336
Two Med/PIP claims	$1979	$330
Not-at-fault accident	$1989	$338
Failure to show documents	$2017	$336
Failure to wear a seat belt	$2026	$344
Driving with expired registration	$2044	$341
At-fault accident - less than $1000	$2054	$349
Cell phone violation	$2054	$343
Child safety restraint	$2054	$349
Driving without lights	$2054	$343
Failure to stop at a red light	$2054	$349
Failure to yield	$2054	$343
Following too closely	$2054	$349
Illegal turn	$2054	$343
Improper passing	$2054	$349
Passing school bus	$2054	$343
Texting while driving	$2054	$349
Wrong way/wrong lane	$2054	$343
Driving too slowly	$2072	$352
Speeding in school zone	$2072	$346
At-fault accident - $1000-$2000	$2080	$353
Speeding 11 - 15 MPH over limit	$2117	$353
Speeding 6 - 10 MPH over limit	$2117	$360
Operating a vehicle without permission	$2155	$360
Open container	$2182	$370
In 65 MPH zone	$2274	$380
Speeding 16 - 20 MPH over limit	$2302	$392
Speeding 21 - 25 MPH over limit	$2384	$397
At-fault accident - greater than $2000	$2568	$437
Reckless driving	$2744	$457
Racing	$2854	$485
Driving with a suspended license	$2956	$493
Refusal to submit to a chemical test	$3019	$513
DUI	$3047	$508
Leaving scene of an accident/hit and run	$3094	$525

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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 Central Islip 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 Central Islip.

The cheapest car insurance premiums in Central Islip are offered by American Family at $699 for a six-month policy. However, it can be as expensive as $3122 with companies like State Farm.

Central Islip car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$699	$118
Kemper	$736	$126
Progressive	$893	$150
NYCM	$1124	$189
New York Central Mutual Fire	$1657	$276
USAA	$1767	$298
Allstate	$2624	$442
Travelers	$2697	$454
Nationwide	$2734	$456
State Farm	$3122	$525

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 Central Islip are offered by American Family at $617. However, it can be as expensive as $3167 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Central Islip after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$617	$105
Kemper	$617	$102
Progressive	$764	$129
NYCM	$1021	$171
USAA	$1390	$237
Nationwide	$1916	$319
State Farm	$2072	$352
Travelers	$3029	$505
Allstate	$3167	$538

Car Insurance Price Trends in Central Islip, New York

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

The average cost of full coverage in the Central Islip dipped by $383 in December compared to $384 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 Central Islip dipped to $132 in December, compared to $136 in November. This represents an decrease of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Central Islip?

The car insurance in Central Islip is $68 per month, which is lower than the national average.

What is the cheapest car insurance in Central Islip?

The cheapest car insurance in Central Islip is $146 per month for full coverage.

How much is car insurance in Central Islip for teenagers?

Car insurance for teenagers costs $580 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 Central Islip?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $268 per month to insure your car in Central Islip.

Is car insurance expensive in Central Islip?

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

Cheapest Car Insurance Quotes in Central Islip

Why you can trust Way?

How Much Is Car Insurance in Central Islip

Avg. Car Insurance in Central Islip

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Central Islip

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Central Islip Car Insurance Rates by Company

Cheap Car Insurance Companies in Central Islip, NY

Way's key takeaways about car insurance in Central Islip

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Central Islip

Cheapest Liability Coverage in Central Islip, NY

Cheapest Full Coverage Car Insurance in Central Islip

Cheapest Full Coverage Car Insurance Quotes in Central Islip, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Central Islip by Rating Factor

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

Car Insurance Premiums by Age in Central Islip

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Central Islip,NY

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

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 Central Islip

Cheapest Car Insurance Companies after an At-Fault Accident in Central Islip

Central Islip Car Insurance Rates by Violation

Central Islip auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Central Islip after a DUI

Central Islip car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Central Islip after Speeding ticket

Car Insurance Price Trends in Central Islip, New York

Average Car Insurance Cost in Central Islip by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Central Islip, NY

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

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