Cheapest Car Insurance Quotes in Deer Park

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Deer Park Car Insurance

^$ 66

/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 Deer Park

The car insurance rate in Deer Park is $1749 for a six-month policy, which is $591 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $834, making it a popular choice for budget-conscious drivers. Rates in Deer Park 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 Deer Park

$1749

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Deer Park

1st place: Kemper

At $834 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 $1104 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1175 for six months, making it the third cheapest auto insurance company in Deer Park.

Deer Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Deer Park, NY is Kemper, offering policies at just $834 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1104.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $2682 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Deer Park drivers find the best deals.

Cheap Car Insurance Companies in Deer Park, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$834	$142
New York Central Mutual Fire	$1104	$184
Progressive	$1175	$198
American Family	$1291	$217
NYCM	$1561	$263
USAA	$1730	$291
Erie	$1767	$297
Nationwide	$1928	$322
Travelers	$1965	$331
State Farm	$2341	$394
Allstate	$2618	$441
Chubb	$2682	$447

Key Takeaways

Way's key takeaways about car insurance in Deer Park

The auto insurance costs in Deer Park fall around $834 for six months.
The cheapest auto insurance company in Deer Park is New York Central Mutual Fire.
Teen drivers pay the highest rate in Deer Park at $1348 per month.

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Cheapest Minimum Liability Car Insurance in Deer Park

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 Deer Park are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Deer Park. Their Average 6 Month Premium is $394. Preferred Mutual is the most expensive at $1040 for the same period.

Cheapest Liability Coverage in Deer Park, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$394	$66
NYCM	$467	$77
Kemper	$485	$83
American Family	$583	$98
Progressive	$601	$101
USAA	$772	$130
Erie	$951	$162
Travelers	$1022	$171
Allstate	$1095	$186
State Farm	$1166	$195
Nationwide	$753	$125
Utica National	$861	$146
Preferred Mutual	$1040	$174

Cheapest Full Coverage Car Insurance in Deer Park

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 Deer Park is Kemper at $142 per month and $834 for six months.

Cheapest Full Coverage Car Insurance Quotes in Deer Park, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$834	$142
New York Central Mutual Fire	$1104	$184
Progressive	$1175	$198
American Family	$1291	$217
NYCM	$1561	$263
USAA	$1730	$291
Erie	$1767	$297
Nationwide	$1928	$322
Travelers	$1965	$331
State Farm	$2341	$394
Allstate	$2618	$441
Chubb	$2682	$447

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Average Car Insurance in Deer Park 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 Deer Park, NY increasing?

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

Car Insurance Premiums by Age in Deer Park

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 Deer Park,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Deer Park at $97 per month. At $8009 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$565	$97
American Family	$681	$115
NYCM	$1507	$254
Progressive	$1857	$313
New York Central Mutual Fire	$1965	$334
Erie	$3777	$630
USAA	$4153	$699
Travelers	$5462	$920
Nationwide	$5687	$966
Chubb	$5955	$992
Allstate	$6852	$1154
State Farm	$8009	$1348

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 Deer Park, Kemper is the cheapest car insurance provider. At $1265 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 Deer Park is Progressive, offering rates of around $7579 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1265	$211
Nationwide	$1928	$328
Chubb	$2288	$385
USAA	$2780	$473
Erie	$2960	$498
American Family	$3005	$510
NYCM	$3364	$560
Allstate	$3668	$618
Mercury	$3740	$624
State Farm	$3866	$651
Travelers	$4476	$753
Progressive	$7579	$1276

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Save up to $971/yr on car insurance rates in Deer Park.

Car Insurance Rates with An Accident in Deer Park

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

Cheapest Car Insurance Companies after an At-Fault Accident in Deer Park

The cheapest car insurance companies after an at-fault accident in Deer Park include Kemper and American Family, offering $699 and $717, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $870.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$699	$116
American Family	$717	$121
Progressive	$1104	$186
NYCM	$1122	$189
New York Central Mutual Fire	$1327	$222
USAA	$1507	$254
Erie	$1928	$325
Chubb	$2188	$368
Allstate	$2359	$397
Travelers	$2431	$409
Nationwide	$2547	$424
State Farm	$2978	$501
Utica National	$861	$146
Preferred Mutual	$870	$145

Deer Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Deer Park NY. For example, the car insurance in Deer Park after a DUI increases to $1077 for a six month policy. While the rate increases by $171 for a six-month policy in the case of a speeding ticket.

Deer Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1892	$316
One Med/PIP claim	$1892	$322
One comp claim	$1910	$319
Two comp claims	$1928	$328
Two Med/PIP claims	$1928	$322
Not-at-fault accident	$1937	$329
Failure to show documents	$1965	$328
Failure to wear a seat belt	$1974	$335
Driving with expired registration	$1992	$332
At-fault accident - less than $1000	$2001	$340
Cell phone violation	$2001	$334
Child safety restraint	$2001	$340
Driving without lights	$2001	$334
Failure to stop at a red light	$2001	$340
Failure to yield	$2001	$334
Following too closely	$2001	$340
Illegal turn	$2001	$334
Improper passing	$2001	$340
Passing school bus	$2001	$334
Texting while driving	$2001	$340
Wrong way/wrong lane	$2001	$334
Driving too slowly	$2019	$343
Speeding in school zone	$2019	$337
At-fault accident - $1000-$2000	$2026	$344
Speeding 11 - 15 MPH over limit	$2063	$344
Speeding 6 - 10 MPH over limit	$2063	$350
Operating a vehicle without permission	$2099	$350
Open container	$2126	$361
In 65 MPH zone	$2215	$370
Speeding 16 - 20 MPH over limit	$2242	$382
Speeding 21 - 25 MPH over limit	$2322	$387
At-fault accident - greater than $2000	$2502	$426
Reckless driving	$2673	$445
Racing	$2780	$473
Driving with a suspended license	$2880	$480
Refusal to submit to a chemical test	$2941	$500
DUI	$2969	$495
Leaving scene of an accident/hit and run	$3014	$512

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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 Deer Park 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 Deer Park.

The cheapest car insurance premiums in Deer Park are offered by American Family at $681 for a six-month policy. However, it can be as expensive as $3364 with companies like Chubb.

Deer Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$681	$115
Kemper	$717	$122
Progressive	$924	$156
NYCM	$1400	$236
New York Central Mutual Fire	$1614	$269
USAA	$1839	$310
Travelers	$2404	$405
Allstate	$2843	$479
Erie	$2932	$489
Nationwide	$3185	$542
State Farm	$3346	$563
Chubb	$3364	$572

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 Deer Park are offered by American Family at $601. However, it can be as expensive as $3829 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Deer Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$601	$100
Kemper	$601	$103
Progressive	$870	$146
NYCM	$1409	$240
USAA	$1632	$272
Erie	$1910	$325
Nationwide	$1928	$322
Travelers	$2224	$378
State Farm	$2691	$448
Chubb	$3185	$542
Allstate	$3829	$639

Car Insurance Price Trends in Deer Park, New York

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

The average cost of full coverage in the Deer Park rose by $415 in January compared to $373 of December. In other words, there has been an increase by $42 when you compare January and December.

The average cost of liability insurance in the Deer Park dipped to $121 in January, compared to $128 in December. This represents an decrease of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Deer Park?

The car insurance in Deer Park is $66 per month, which is lower than the national average.

What is the cheapest car insurance in Deer Park?

The cheapest car insurance in Deer Park is $142 per month for full coverage.

How much is car insurance in Deer Park for teenagers?

Car insurance for teenagers costs $565 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 Deer Park?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $293 per month to insure your car in Deer Park.

Is car insurance expensive in Deer Park?

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

Cheapest Car Insurance Quotes in Deer Park

Why you can trust Way?

How Much Is Car Insurance in Deer Park

Avg. Car Insurance in Deer Park

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Deer Park

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Deer Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Deer Park, NY

Way's key takeaways about car insurance in Deer Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Deer Park

Cheapest Liability Coverage in Deer Park, NY

Cheapest Full Coverage Car Insurance in Deer Park

Cheapest Full Coverage Car Insurance Quotes in Deer Park, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Deer Park by Rating Factor

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

Car Insurance Premiums by Age in Deer Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Deer Park,NY

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

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 Deer Park

Cheapest Car Insurance Companies after an At-Fault Accident in Deer Park

Deer Park Car Insurance Rates by Violation

Deer Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Deer Park after a DUI

Deer Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Deer Park after Speeding ticket

Car Insurance Price Trends in Deer Park, New York

Average Car Insurance Cost in Deer Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Deer Park, NY

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

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