Cheapest Car Insurance Quotes in Dix Hills

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Dix Hills Car Insurance

^$ 65

/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 Dix Hills

The car insurance rate in Dix Hills is $1702 for a six-month policy, which is $544 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $811, making it a popular choice for budget-conscious drivers. Rates in Dix Hills 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 Dix Hills

$1702

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Dix Hills

1st place: Kemper

At $811 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 $1075 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1144 for six months, making it the third cheapest auto insurance company in Dix Hills.

Dix Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dix Hills, NY is Kemper, offering policies at just $811 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1075.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $2611 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dix Hills drivers find the best deals.

Cheap Car Insurance Companies in Dix Hills, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$811	$138
New York Central Mutual Fire	$1075	$179
Progressive	$1144	$193
American Family	$1257	$212
NYCM	$1520	$256
USAA	$1685	$284
Erie	$1720	$290
Nationwide	$1877	$313
Travelers	$1912	$322
State Farm	$2279	$384
Allstate	$2549	$429
Chubb	$2611	$435

Key Takeaways

Way's key takeaways about car insurance in Dix Hills

The auto insurance costs in Dix Hills fall around $811 for six months.
The cheapest auto insurance company in Dix Hills is New York Central Mutual Fire.
Teen drivers pay the highest rate in Dix Hills at $1313 per month.

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Cheapest Minimum Liability Car Insurance in Dix Hills

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 Dix Hills are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Dix Hills. Their Average 6 Month Premium is $384. Preferred Mutual is the most expensive at $1013 for the same period.

Cheapest Liability Coverage in Dix Hills, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$384	$65
NYCM	$454	$75
Kemper	$472	$81
American Family	$567	$96
Progressive	$585	$98
USAA	$751	$126
Erie	$926	$157
Travelers	$995	$166
Allstate	$1066	$181
State Farm	$1135	$190
Nationwide	$734	$122
Utica National	$838	$143
Preferred Mutual	$1013	$169

Cheapest Full Coverage Car Insurance in Dix Hills

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 Dix Hills is Kemper at $138 per month and $811 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dix Hills, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$811	$138
New York Central Mutual Fire	$1075	$179
Progressive	$1144	$193
American Family	$1257	$212
NYCM	$1520	$256
USAA	$1685	$284
Erie	$1720	$290
Nationwide	$1877	$313
Travelers	$1912	$322
State Farm	$2279	$384
Allstate	$2549	$429
Chubb	$2611	$435

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Average Car Insurance in Dix Hills 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 Dix Hills, NY increasing?

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

Car Insurance Premiums by Age in Dix Hills

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 Dix Hills,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Dix Hills at $94 per month. At $7797 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$550	$94
American Family	$663	$112
NYCM	$1467	$247
Progressive	$1808	$304
New York Central Mutual Fire	$1912	$325
Erie	$3676	$613
USAA	$4043	$681
Travelers	$5317	$895
Nationwide	$5536	$941
Chubb	$5798	$966
Allstate	$6671	$1123
State Farm	$7797	$1313

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 Dix Hills, Kemper is the cheapest car insurance provider. At $1232 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 Dix Hills is Progressive, offering rates of around $7378 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1232	$206
Nationwide	$1877	$319
Chubb	$2227	$375
USAA	$2706	$460
Erie	$2881	$485
American Family	$2925	$497
NYCM	$3275	$545
Allstate	$3571	$601
Mercury	$3641	$607
State Farm	$3763	$634
Travelers	$4357	$734
Progressive	$7378	$1242

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Car Insurance Rates with An Accident in Dix Hills

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

Cheapest Car Insurance Companies after an At-Fault Accident in Dix Hills

The cheapest car insurance companies after an at-fault accident in Dix Hills include Kemper and American Family, offering $681 and $698, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $847.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$681	$113
American Family	$698	$118
Progressive	$1075	$181
NYCM	$1092	$184
New York Central Mutual Fire	$1292	$216
USAA	$1467	$247
Erie	$1877	$316
Chubb	$2130	$359
Allstate	$2296	$387
Travelers	$2367	$398
Nationwide	$2480	$413
State Farm	$2899	$488
Utica National	$838	$143
Preferred Mutual	$847	$141

Dix Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dix Hills NY. For example, the car insurance in Dix Hills after a DUI increases to $1048 for a six month policy. While the rate increases by $166 for a six-month policy in the case of a speeding ticket.

Dix Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1842	$307
One Med/PIP claim	$1842	$313
One comp claim	$1860	$310
Two comp claims	$1877	$319
Two Med/PIP claims	$1877	$313
Not-at-fault accident	$1886	$320
Failure to show documents	$1912	$319
Failure to wear a seat belt	$1921	$326
Driving with expired registration	$1939	$323
At-fault accident - less than $1000	$1948	$331
Cell phone violation	$1948	$325
Child safety restraint	$1948	$331
Driving without lights	$1948	$325
Failure to stop at a red light	$1948	$331
Failure to yield	$1948	$325
Following too closely	$1948	$331
Illegal turn	$1948	$325
Improper passing	$1948	$331
Passing school bus	$1948	$325
Texting while driving	$1948	$331
Wrong way/wrong lane	$1948	$325
Driving too slowly	$1965	$334
Speeding in school zone	$1965	$328
At-fault accident - $1000-$2000	$1973	$335
Speeding 11 - 15 MPH over limit	$2008	$335
Speeding 6 - 10 MPH over limit	$2008	$341
Operating a vehicle without permission	$2043	$341
Open container	$2070	$351
In 65 MPH zone	$2156	$360
Speeding 16 - 20 MPH over limit	$2183	$372
Speeding 21 - 25 MPH over limit	$2261	$376
At-fault accident - greater than $2000	$2436	$415
Reckless driving	$2602	$434
Racing	$2706	$460
Driving with a suspended license	$2803	$467
Refusal to submit to a chemical test	$2864	$487
DUI	$2890	$482
Leaving scene of an accident/hit and run	$2934	$498

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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 Dix Hills 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 Dix Hills.

The cheapest car insurance premiums in Dix Hills are offered by American Family at $663 for a six-month policy. However, it can be as expensive as $3275 with companies like Chubb.

Dix Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$663	$112
Kemper	$698	$119
Progressive	$900	$151
NYCM	$1363	$229
New York Central Mutual Fire	$1571	$262
USAA	$1790	$301
Travelers	$2340	$394
Allstate	$2768	$466
Erie	$2855	$476
Nationwide	$3100	$528
State Farm	$3258	$548
Chubb	$3275	$557

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 Dix Hills are offered by American Family at $585. However, it can be as expensive as $3728 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Dix Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$585	$97
Kemper	$585	$100
Progressive	$847	$143
NYCM	$1372	$234
USAA	$1589	$265
Erie	$1860	$316
Nationwide	$1877	$313
Travelers	$2165	$368
State Farm	$2620	$437
Chubb	$3100	$528
Allstate	$3728	$622

Car Insurance Price Trends in Dix Hills, New York

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

The average cost of full coverage in the Dix Hills rose by $404 in January compared to $363 of December. In other words, there has been an increase by $41 when you compare January and December.

The average cost of liability insurance in the Dix Hills dipped to $118 in January, compared to $125 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 Dix Hills?

The car insurance in Dix Hills is $65 per month, which is lower than the national average.

What is the cheapest car insurance in Dix Hills?

The cheapest car insurance in Dix Hills is $138 per month for full coverage.

How much is car insurance in Dix Hills for teenagers?

Car insurance for teenagers costs $550 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 Dix Hills?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $285 per month to insure your car in Dix Hills.

Is car insurance expensive in Dix Hills?

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

Cheapest Car Insurance Quotes in Dix Hills

Why you can trust Way?

How Much Is Car Insurance in Dix Hills

Avg. Car Insurance in Dix Hills

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Dix Hills

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Dix Hills Car Insurance Rates by Company

Cheap Car Insurance Companies in Dix Hills, NY

Way's key takeaways about car insurance in Dix Hills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dix Hills

Cheapest Liability Coverage in Dix Hills, NY

Cheapest Full Coverage Car Insurance in Dix Hills

Cheapest Full Coverage Car Insurance Quotes in Dix Hills, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dix Hills by Rating Factor

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

Car Insurance Premiums by Age in Dix Hills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Dix Hills,NY

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

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 Dix Hills

Cheapest Car Insurance Companies after an At-Fault Accident in Dix Hills

Dix Hills Car Insurance Rates by Violation

Dix Hills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dix Hills after a DUI

Dix Hills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dix Hills after Speeding ticket

Car Insurance Price Trends in Dix Hills, New York

Average Car Insurance Cost in Dix Hills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dix Hills, NY

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

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