We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Chateaugay 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 Chateaugay
The car insurance rate in Chateaugay is $772 for a six-month policy, which is $257 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $414, making it a popular choice for budget-conscious drivers. Rates in Chateaugay 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 $414 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 $548 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $553
for six months, making it
the third cheapest auto insurance company in Chateaugay.
Chateaugay Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Chateaugay, NY is Kemper, offering policies at just $414 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $548.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1154 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chateaugay drivers find the best deals.
Way's key takeaways about car insurance in Chateaugay
The auto insurance costs in Chateaugay fall around $414 for six
months.
The cheapest auto insurance company in Chateaugay is New York Central Mutual Fire.
Teen drivers pay the highest rate in Chateaugay at $588 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 Chateaugay
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 Chateaugay are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in Chateaugay. Their Average 6 Month Premium is $196.
Preferred Mutual is the most
expensive at $517 for the same
period.
Cheapest Full Coverage Car Insurance in Chateaugay
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 Chateaugay is Kemper
at $71 per month and $414
for six months.
Cheapest Full Coverage Car Insurance Quotes in Chateaugay,
NY
Get Your Car Insurance Quote in Chateaugay
Instantly!
Average Car Insurance in Chateaugay 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 Chateaugay, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Chateaugay, 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, Chateaugay's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Chateaugay
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
$422
30s
National Grange Mutual
$301
40s
National Grange Mutual
$290
50s
National Grange Mutual
$294
60s
National Grange Mutual
$317
70s
National Grange Mutual
$434
Cheapest Car Insurance Rates for Teen Drivers in
Chateaugay,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Chateaugay at $47
per
month. At $3493 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 Chateaugay.
As young drivers face the highest rates in Chateaugay, National Grange Mutual
offers the cheapest auto insurance rates at $422 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 Chateaugay,
Chubb is
the cheapest car insurance provider. At $602 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
Chateaugay is Progressive, offering
rates of around $3881 for six
months.
Save up to $971/yr on car insurance rates in Chateaugay.
Car Insurance Rates with An Accident in Chateaugay
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 Chateaugay, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Chateaugay
The cheapest car insurance companies after an at-fault accident in
Chateaugay include Kemper
and American Family, offering $347
and $356,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$432.
Here is a list of driving violations that can increase your car
insurance rates in Chateaugay NY. For example, the car
insurance in Chateaugay
after a DUI increases to $535 for a six
month policy. While the rate increases by $85 for a six-month policy in the case of
a speeding ticket.
Chateaugay auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$940
$157
One Med/PIP claim
$940
$160
One comp claim
$949
$158
Two comp claims
$958
$163
Two Med/PIP claims
$958
$160
Not-at-fault accident
$962
$164
Failure to show documents
$976
$163
Failure to wear a seat belt
$980
$167
Driving with expired registration
$989
$165
At-fault accident - less than $1000
$994
$169
Cell phone violation
$994
$166
Child safety restraint
$994
$169
Driving without lights
$994
$166
Failure to stop at a red light
$994
$169
Failure to yield
$994
$166
Following too closely
$994
$169
Illegal turn
$994
$166
Improper passing
$994
$169
Passing school bus
$994
$166
Texting while driving
$994
$169
Wrong way/wrong lane
$994
$166
Driving too slowly
$1003
$170
Speeding in school zone
$1003
$167
At-fault accident - $1000-$2000
$1007
$171
Speeding 11 - 15 MPH over limit
$1025
$171
Speeding 6 - 10 MPH over limit
$1025
$174
Operating a vehicle without permission
$1043
$174
Open container
$1056
$179
In 65 MPH zone
$1100
$184
Speeding 16 - 20 MPH over limit
$1114
$190
Speeding 21 - 25 MPH over limit
$1154
$192
At-fault accident - greater than $2000
$1243
$212
Reckless driving
$1328
$221
Racing
$1381
$235
Driving with a suspended license
$1430
$239
Refusal to submit to a chemical test
$1461
$248
DUI
$1475
$246
Leaving scene of an accident/hit and run
$1497
$254
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 Chateaugay 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 Chateaugay.
The cheapest car insurance premiums in
Chateaugay are
offered by American Family at $338 for a six-month policy.
However, it can be as
expensive as $1511 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 Chateaugay are offered by American Family
at $299. However,
it can be as expensive as $1532
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Chateaugay after Speeding ticket
Car Insurance Price Trends in Chateaugay,
New York
Car insurance rates in Chateaugay have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Chateaugay dipped by
$185 in December
compared to $186 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 Chateaugay dipped to $64 in December,
compared to $66 in November.
This represents an decrease of $2
when comparing December and November.
Average Car Insurance Cost in Chateaugay 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
Chateaugay. At $1543 for a
six-month policy, insuring
your car at 12920 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Chateaugay?
The car insurance in Chateaugay is $33 per month, which is lower than the national average.
What is the cheapest car insurance in Chateaugay?
The cheapest car insurance in Chateaugay
is $71 per month
for full coverage.
How much is car insurance in Chateaugay for teenagers?
Car insurance for teenagers costs $281 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
Chateaugay?
The average cost of car insurance is $1029 for a six-month
policy. It will cost around $130 per month to insure your
car in Chateaugay.
Is car insurance expensive in Chateaugay?
Car insurance can be expensive in Chateaugay if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Chateaugay can be
affordable.
What is the best car insurance in Chateaugay,
NY?
The best car insurance company in Chateaugay
NY is
Kemper, offering $414 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Chateaugay right now.
Find Car Insurance Rates in Cities Near Chateaugay, NY
Car Insurance Rates by State in the USA (2025 Update)
Chateaugay Car Insurance
