Cheapest Car Insurance Quotes in Chestnut Ridge

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Chestnut Ridge Car Insurance

^$ 57

/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 Chestnut Ridge

The car insurance rate in Chestnut Ridge is $1338 for a six-month policy, which is $309 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $718, making it a popular choice for budget-conscious drivers. Rates in Chestnut Ridge 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 Chestnut Ridge

$1338

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Chestnut Ridge

1st place: Kemper

At $718 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 $950 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $958 for six months, making it the third cheapest auto insurance company in Chestnut Ridge.

Chestnut Ridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Chestnut Ridge, NY is Kemper, offering policies at just $718 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $950.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1999 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chestnut Ridge drivers find the best deals.

Cheap Car Insurance Companies in Chestnut Ridge, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$718	$122
New York Central Mutual Fire	$950	$159
Progressive	$958	$161
American Family	$1112	$187
NYCM	$1166	$196
Erie	$1398	$233
Nationwide	$1405	$239
USAA	$1413	$238
State Farm	$1752	$295
Travelers	$1846	$311
Allstate	$1999	$337

Key Takeaways

Way's key takeaways about car insurance in Chestnut Ridge

The auto insurance costs in Chestnut Ridge fall around $718 for six months.
The cheapest auto insurance company in Chestnut Ridge is New York Central Mutual Fire.
Teen drivers pay the highest rate in Chestnut Ridge at $1019 per month.

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Cheapest Minimum Liability Car Insurance in Chestnut Ridge

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 Chestnut Ridge are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Chestnut Ridge. Their Average 6 Month Premium is $339. Preferred Mutual is the most expensive at $896 for the same period.

Cheapest Liability Coverage in Chestnut Ridge, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$339	$57
NYCM	$355	$60
Kemper	$417	$69
Progressive	$494	$83
American Family	$502	$85
USAA	$610	$103
Nationwide	$649	$108
Erie	$819	$139
State Farm	$950	$160
Travelers	$1019	$172
Allstate	$1066	$179
Utica National	$741	$126
Preferred Mutual	$896	$150

Cheapest Full Coverage Car Insurance in Chestnut Ridge

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 Chestnut Ridge is Kemper at $122 per month and $718 for six months.

Cheapest Full Coverage Car Insurance Quotes in Chestnut Ridge, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$718	$122
New York Central Mutual Fire	$950	$159
Progressive	$958	$161
American Family	$1112	$187
NYCM	$1166	$196
Erie	$1398	$233
Nationwide	$1405	$239
USAA	$1413	$238
State Farm	$1752	$295
Travelers	$1846	$311
Allstate	$1999	$337

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Average Car Insurance in Chestnut Ridge 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 Chestnut Ridge, NY increasing?

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

Car Insurance Premiums by Age in Chestnut Ridge

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	$732
30s	National Grange Mutual	$521
40s	National Grange Mutual	$502
50s	National Grange Mutual	$510
60s	National Grange Mutual	$549
70s	National Grange Mutual	$753

Cheapest Car Insurance Rates for Teen Drivers in Chestnut Ridge,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Chestnut Ridge at $81 per month. At $6054 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$486	$81
American Family	$586	$99
NYCM	$980	$165
Progressive	$1552	$261
New York Central Mutual Fire	$1691	$282
USAA	$3104	$523
Nationwide	$4055	$676
Travelers	$5019	$845
Allstate	$5429	$914
State Farm	$6054	$1019

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 Chestnut Ridge.

As young drivers face the highest rates in Chestnut Ridge, National Grange Mutual offers the cheapest auto insurance rates at $732 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 Chestnut Ridge, Chubb is the cheapest car insurance provider. At $1043 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 Chestnut Ridge is Progressive, offering rates of around $6726 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1043	$174
Kemper	$1089	$185
Nationwide	$1405	$234
USAA	$1946	$332
NYCM	$2031	$338
Erie	$2201	$374
American Family	$2587	$432
Allstate	$2648	$446
State Farm	$2742	$462
Mercury	$3220	$547
Travelers	$3289	$554
Progressive	$6726	$1132

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Car Insurance Rates with An Accident in Chestnut Ridge

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

Cheapest Car Insurance Companies after an At-Fault Accident in Chestnut Ridge

The cheapest car insurance companies after an at-fault accident in Chestnut Ridge include Kemper and American Family, offering $602 and $618, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $749.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$602	$100
American Family	$618	$104
NYCM	$749	$126
Erie	$819	$139
Chubb	$904	$151
Progressive	$988	$166
New York Central Mutual Fire	$1143	$191
USAA	$1227	$207
Nationwide	$1846	$308
Allstate	$1862	$313
State Farm	$2248	$378
Travelers	$2285	$385
Utica National	$741	$126
Preferred Mutual	$749	$125

Chestnut Ridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Chestnut Ridge NY. For example, the car insurance in Chestnut Ridge after a DUI increases to $927 for a six month policy. While the rate increases by $147 for a six-month policy in the case of a speeding ticket.

Chestnut Ridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1629	$272
One Med/PIP claim	$1629	$277
One comp claim	$1645	$274
Two comp claims	$1660	$282
Two Med/PIP claims	$1660	$277
Not-at-fault accident	$1668	$283
Failure to show documents	$1691	$282
Failure to wear a seat belt	$1699	$289
Driving with expired registration	$1715	$286
At-fault accident - less than $1000	$1723	$293
Cell phone violation	$1723	$287
Child safety restraint	$1723	$293
Driving without lights	$1723	$287
Failure to stop at a red light	$1723	$293
Failure to yield	$1723	$287
Following too closely	$1723	$293
Illegal turn	$1723	$287
Improper passing	$1723	$293
Passing school bus	$1723	$287
Texting while driving	$1723	$293
Wrong way/wrong lane	$1723	$287
Driving too slowly	$1738	$295
Speeding in school zone	$1738	$290
At-fault accident - $1000-$2000	$1745	$296
Speeding 11 - 15 MPH over limit	$1776	$296
Speeding 6 - 10 MPH over limit	$1776	$302
Operating a vehicle without permission	$1807	$302
Open container	$1830	$311
In 65 MPH zone	$1907	$319
Speeding 16 - 20 MPH over limit	$1931	$329
Speeding 21 - 25 MPH over limit	$1999	$333
At-fault accident - greater than $2000	$2154	$367
Reckless driving	$2301	$384
Racing	$2393	$407
Driving with a suspended license	$2479	$413
Refusal to submit to a chemical test	$2532	$430
DUI	$2556	$426
Leaving scene of an accident/hit and run	$2595	$441

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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 Chestnut Ridge 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 Chestnut Ridge.

The cheapest car insurance premiums in Chestnut Ridge are offered by American Family at $586 for a six-month policy. However, it can be as expensive as $2618 with companies like State Farm.

Chestnut Ridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$586	$99
Kemper	$618	$105
Progressive	$749	$126
NYCM	$943	$159
New York Central Mutual Fire	$1390	$231
USAA	$1482	$250
Allstate	$2201	$371
Travelers	$2262	$381
Nationwide	$2293	$382
State Farm	$2618	$441

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 Chestnut Ridge are offered by American Family at $517. However, it can be as expensive as $2656 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Chestnut Ridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$517	$88
Kemper	$517	$86
Progressive	$641	$108
NYCM	$857	$143
USAA	$1166	$199
Nationwide	$1607	$268
State Farm	$1738	$295
Travelers	$2540	$424
Allstate	$2656	$451

Car Insurance Price Trends in Chestnut Ridge, New York

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

The average cost of full coverage in the Chestnut Ridge dipped by $321 in December compared to $322 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 Chestnut Ridge dipped to $111 in December, compared to $114 in November. This represents an decrease of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Chestnut Ridge?

The car insurance in Chestnut Ridge is $57 per month, which is lower than the national average.

What is the cheapest car insurance in Chestnut Ridge?

The cheapest car insurance in Chestnut Ridge is $122 per month for full coverage.

How much is car insurance in Chestnut Ridge for teenagers?

Car insurance for teenagers costs $486 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 Chestnut Ridge?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $225 per month to insure your car in Chestnut Ridge.

Is car insurance expensive in Chestnut Ridge?

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

Cheapest Car Insurance Quotes in Chestnut Ridge

Why you can trust Way?

How Much Is Car Insurance in Chestnut Ridge

Avg. Car Insurance in Chestnut Ridge

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Chestnut Ridge

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Chestnut Ridge Car Insurance Rates by Company

Cheap Car Insurance Companies in Chestnut Ridge, NY

Way's key takeaways about car insurance in Chestnut Ridge

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Chestnut Ridge

Cheapest Liability Coverage in Chestnut Ridge, NY

Cheapest Full Coverage Car Insurance in Chestnut Ridge

Cheapest Full Coverage Car Insurance Quotes in Chestnut Ridge, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Chestnut Ridge by Rating Factor

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

Car Insurance Premiums by Age in Chestnut Ridge

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Chestnut Ridge,NY

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

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 Chestnut Ridge

Cheapest Car Insurance Companies after an At-Fault Accident in Chestnut Ridge

Chestnut Ridge Car Insurance Rates by Violation

Chestnut Ridge auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Chestnut Ridge after a DUI

Chestnut Ridge car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Chestnut Ridge after Speeding ticket

Car Insurance Price Trends in Chestnut Ridge, New York

Average Car Insurance Cost in Chestnut Ridge by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Chestnut Ridge, NY

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

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