Cheapest Car Insurance Quotes in Congers

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Congers Car Insurance

^$ 56

/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 Congers

The car insurance rate in Congers is $1307 for a six-month policy, which is $278 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $701, making it a popular choice for budget-conscious drivers. Rates in Congers 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 Congers

$1307

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Congers

1st place: Kemper

At $701 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 $928 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $936 for six months, making it the third cheapest auto insurance company in Congers.

Congers Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Congers, NY is Kemper, offering policies at just $701 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $928.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1953 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Congers drivers find the best deals.

Cheap Car Insurance Companies in Congers, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$701	$119
New York Central Mutual Fire	$928	$155
Progressive	$936	$157
American Family	$1086	$183
NYCM	$1139	$192
Erie	$1365	$227
Nationwide	$1373	$234
USAA	$1380	$232
State Farm	$1712	$288
Travelers	$1803	$304
Allstate	$1953	$329

Key Takeaways

Way's key takeaways about car insurance in Congers

The auto insurance costs in Congers fall around $701 for six months.
The cheapest auto insurance company in Congers is New York Central Mutual Fire.
Teen drivers pay the highest rate in Congers at $996 per month.

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

Cheapest Minimum Liability Car Insurance in Congers

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 Congers are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Congers. Their Average 6 Month Premium is $331. Preferred Mutual is the most expensive at $875 for the same period.

Cheapest Liability Coverage in Congers, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$331	$56
NYCM	$347	$58
Kemper	$408	$67
Progressive	$483	$81
American Family	$490	$83
USAA	$596	$100
Nationwide	$634	$105
Erie	$800	$136
State Farm	$928	$156
Travelers	$996	$168
Allstate	$1041	$175
Utica National	$724	$123
Preferred Mutual	$875	$146

Cheapest Full Coverage Car Insurance in Congers

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 Congers is Kemper at $119 per month and $701 for six months.

Cheapest Full Coverage Car Insurance Quotes in Congers, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$701	$119
New York Central Mutual Fire	$928	$155
Progressive	$936	$157
American Family	$1086	$183
NYCM	$1139	$192
Erie	$1365	$227
Nationwide	$1373	$234
USAA	$1380	$232
State Farm	$1712	$288
Travelers	$1803	$304
Allstate	$1953	$329

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Average Car Insurance in Congers 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 Congers, NY increasing?

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

Car Insurance Premiums by Age in Congers

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	$715
30s	National Grange Mutual	$509
40s	National Grange Mutual	$490
50s	National Grange Mutual	$498
60s	National Grange Mutual	$536
70s	National Grange Mutual	$735

Cheapest Car Insurance Rates for Teen Drivers in Congers,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Congers at $79 per month. At $5914 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$475	$79
American Family	$573	$97
NYCM	$958	$161
Progressive	$1516	$255
New York Central Mutual Fire	$1652	$276
USAA	$3033	$511
Nationwide	$3961	$660
Travelers	$4903	$826
Allstate	$5304	$893
State Farm	$5914	$996

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 Congers.

As young drivers face the highest rates in Congers, National Grange Mutual offers the cheapest auto insurance rates at $715 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 Congers, Chubb is the cheapest car insurance provider. At $1019 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 Congers is Progressive, offering rates of around $6571 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1019	$170
Kemper	$1064	$180
Nationwide	$1373	$229
USAA	$1901	$324
NYCM	$1984	$330
Erie	$2150	$366
American Family	$2527	$422
Allstate	$2587	$436
State Farm	$2678	$451
Mercury	$3146	$535
Travelers	$3213	$541
Progressive	$6571	$1106

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Car Insurance Rates with An Accident in Congers

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

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

The cheapest car insurance companies after an at-fault accident in Congers include Kemper and American Family, offering $588 and $603, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $732.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$588	$98
American Family	$603	$102
NYCM	$732	$123
Erie	$800	$136
Chubb	$883	$147
Progressive	$965	$163
New York Central Mutual Fire	$1116	$187
USAA	$1199	$202
Nationwide	$1803	$301
Allstate	$1819	$306
State Farm	$2196	$370
Travelers	$2233	$376
Utica National	$724	$123
Preferred Mutual	$732	$122

Congers Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Congers NY. For example, the car insurance in Congers after a DUI increases to $906 for a six month policy. While the rate increases by $144 for a six-month policy in the case of a speeding ticket.

Congers auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1591	$265
One Med/PIP claim	$1591	$271
One comp claim	$1607	$268
Two comp claims	$1622	$276
Two Med/PIP claims	$1622	$271
Not-at-fault accident	$1629	$277
Failure to show documents	$1652	$276
Failure to wear a seat belt	$1660	$282
Driving with expired registration	$1675	$279
At-fault accident - less than $1000	$1683	$286
Cell phone violation	$1683	$281
Child safety restraint	$1683	$286
Driving without lights	$1683	$281
Failure to stop at a red light	$1683	$286
Failure to yield	$1683	$281
Following too closely	$1683	$286
Illegal turn	$1683	$281
Improper passing	$1683	$286
Passing school bus	$1683	$281
Texting while driving	$1683	$286
Wrong way/wrong lane	$1683	$281
Driving too slowly	$1698	$288
Speeding in school zone	$1698	$283
At-fault accident - $1000-$2000	$1704	$290
Speeding 11 - 15 MPH over limit	$1735	$290
Speeding 6 - 10 MPH over limit	$1735	$295
Operating a vehicle without permission	$1765	$295
Open container	$1788	$304
In 65 MPH zone	$1863	$311
Speeding 16 - 20 MPH over limit	$1886	$321
Speeding 21 - 25 MPH over limit	$1953	$325
At-fault accident - greater than $2000	$2104	$358
Reckless driving	$2248	$375
Racing	$2338	$398
Driving with a suspended license	$2422	$404
Refusal to submit to a chemical test	$2474	$420
DUI	$2497	$417
Leaving scene of an accident/hit and run	$2535	$431

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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 Congers 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 Congers.

The cheapest car insurance premiums in Congers are offered by American Family at $573 for a six-month policy. However, it can be as expensive as $2558 with companies like State Farm.

Congers car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$573	$97
Kemper	$603	$103
Progressive	$732	$123
NYCM	$921	$155
New York Central Mutual Fire	$1358	$226
USAA	$1448	$244
Allstate	$2150	$362
Travelers	$2210	$372
Nationwide	$2240	$373
State Farm	$2558	$431

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 Congers are offered by American Family at $505. However, it can be as expensive as $2595 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Congers after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$505	$86
Kemper	$505	$84
Progressive	$626	$105
NYCM	$837	$140
USAA	$1139	$194
Nationwide	$1570	$262
State Farm	$1698	$288
Travelers	$2482	$414
Allstate	$2595	$441

Car Insurance Price Trends in Congers, New York

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

The average cost of full coverage in the Congers dipped by $314 in December compared to $315 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 Congers dipped to $108 in December, compared to $112 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 Congers?

The car insurance in Congers is $56 per month, which is lower than the national average.

What is the cheapest car insurance in Congers?

The cheapest car insurance in Congers is $119 per month for full coverage.

How much is car insurance in Congers for teenagers?

Car insurance for teenagers costs $475 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 Congers?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $220 per month to insure your car in Congers.

Is car insurance expensive in Congers?

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

Cheapest Car Insurance Quotes in Congers

Why you can trust Way?

How Much Is Car Insurance in Congers

Avg. Car Insurance in Congers

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Congers

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Congers Car Insurance Rates by Company

Cheap Car Insurance Companies in Congers, NY

Way's key takeaways about car insurance in Congers

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Congers

Cheapest Liability Coverage in Congers, NY

Cheapest Full Coverage Car Insurance in Congers

Cheapest Full Coverage Car Insurance Quotes in Congers, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Congers by Rating Factor

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

Car Insurance Premiums by Age in Congers

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Congers,NY

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

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 Congers

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

Congers Car Insurance Rates by Violation

Congers auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Congers after a DUI

Congers car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Congers after Speeding ticket

Car Insurance Price Trends in Congers, New York

Average Car Insurance Cost in Congers by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Congers, NY

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

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