Cheapest Car Insurance Quotes in Downsville

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Downsville Car Insurance

^$ 39

/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 Downsville

The car insurance rate in Downsville is $916 for a six-month policy, which is $113 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $491, making it a popular choice for budget-conscious drivers. Rates in Downsville 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 Downsville

$916

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Downsville

1st place: Kemper

At $491 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 $651 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $656 for six months, making it the third cheapest auto insurance company in Downsville.

Downsville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Downsville, NY is Kemper, offering policies at just $491 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $651.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1369 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Downsville drivers find the best deals.

Cheap Car Insurance Companies in Downsville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$491	$84
New York Central Mutual Fire	$651	$109
Progressive	$656	$110
American Family	$761	$128
NYCM	$798	$134
Erie	$957	$159
Nationwide	$962	$164
USAA	$967	$163
State Farm	$1200	$202
Travelers	$1264	$213
Allstate	$1369	$231

Key Takeaways

Way's key takeaways about car insurance in Downsville

The auto insurance costs in Downsville fall around $491 for six months.
The cheapest auto insurance company in Downsville is New York Central Mutual Fire.
Teen drivers pay the highest rate in Downsville at $698 per month.

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Cheapest Minimum Liability Car Insurance in Downsville

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 Downsville are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Downsville. Their Average 6 Month Premium is $232. Preferred Mutual is the most expensive at $613 for the same period.

Cheapest Liability Coverage in Downsville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$232	$39
NYCM	$243	$41
Kemper	$286	$47
Progressive	$338	$57
American Family	$344	$58
USAA	$417	$70
Nationwide	$444	$74
Erie	$561	$95
State Farm	$651	$109
Travelers	$698	$117
Allstate	$730	$123
Utica National	$507	$86
Preferred Mutual	$613	$102

Cheapest Full Coverage Car Insurance in Downsville

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 Downsville is Kemper at $84 per month and $491 for six months.

Cheapest Full Coverage Car Insurance Quotes in Downsville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$491	$84
New York Central Mutual Fire	$651	$109
Progressive	$656	$110
American Family	$761	$128
NYCM	$798	$134
Erie	$957	$159
Nationwide	$962	$164
USAA	$967	$163
State Farm	$1200	$202
Travelers	$1264	$213
Allstate	$1369	$231

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Average Car Insurance in Downsville 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 Downsville, NY increasing?

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

Car Insurance Premiums by Age in Downsville

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	$501
30s	National Grange Mutual	$357
40s	National Grange Mutual	$344
50s	National Grange Mutual	$349
60s	National Grange Mutual	$376
70s	National Grange Mutual	$515

Cheapest Car Insurance Rates for Teen Drivers in Downsville,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Downsville at $55 per month. At $4145 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$333	$55
American Family	$401	$68
NYCM	$671	$113
Progressive	$1063	$179
New York Central Mutual Fire	$1158	$193
USAA	$2125	$358
Nationwide	$2776	$463
Travelers	$3436	$579
Allstate	$3717	$626
State Farm	$4145	$698

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 Downsville.

As young drivers face the highest rates in Downsville, National Grange Mutual offers the cheapest auto insurance rates at $501 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 Downsville, Chubb is the cheapest car insurance provider. At $714 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 Downsville is Progressive, offering rates of around $4605 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$714	$119
Kemper	$746	$126
Nationwide	$962	$160
USAA	$1332	$227
NYCM	$1390	$231
Erie	$1507	$256
American Family	$1771	$295
Allstate	$1813	$305
State Farm	$1877	$316
Mercury	$2205	$375
Travelers	$2252	$379
Progressive	$4605	$775

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Car Insurance Rates with An Accident in Downsville

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

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

The cheapest car insurance companies after an at-fault accident in Downsville include Kemper and American Family, offering $412 and $423, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $513.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$412	$69
American Family	$423	$71
NYCM	$513	$86
Erie	$561	$95
Chubb	$619	$103
Progressive	$676	$114
New York Central Mutual Fire	$782	$131
USAA	$840	$142
Nationwide	$1264	$211
Allstate	$1274	$214
State Farm	$1539	$259
Travelers	$1565	$263
Utica National	$507	$86
Preferred Mutual	$513	$85

Downsville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Downsville NY. For example, the car insurance in Downsville after a DUI increases to $635 for a six month policy. While the rate increases by $101 for a six-month policy in the case of a speeding ticket.

Downsville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1115	$186
One Med/PIP claim	$1115	$190
One comp claim	$1126	$188
Two comp claims	$1137	$193
Two Med/PIP claims	$1137	$190
Not-at-fault accident	$1142	$194
Failure to show documents	$1158	$193
Failure to wear a seat belt	$1163	$198
Driving with expired registration	$1174	$196
At-fault accident - less than $1000	$1179	$200
Cell phone violation	$1179	$197
Child safety restraint	$1179	$200
Driving without lights	$1179	$197
Failure to stop at a red light	$1179	$200
Failure to yield	$1179	$197
Following too closely	$1179	$200
Illegal turn	$1179	$197
Improper passing	$1179	$200
Passing school bus	$1179	$197
Texting while driving	$1179	$200
Wrong way/wrong lane	$1179	$197
Driving too slowly	$1190	$202
Speeding in school zone	$1190	$198
At-fault accident - $1000-$2000	$1194	$203
Speeding 11 - 15 MPH over limit	$1216	$203
Speeding 6 - 10 MPH over limit	$1216	$206
Operating a vehicle without permission	$1237	$206
Open container	$1253	$213
In 65 MPH zone	$1306	$218
Speeding 16 - 20 MPH over limit	$1322	$225
Speeding 21 - 25 MPH over limit	$1369	$228
At-fault accident - greater than $2000	$1475	$251
Reckless driving	$1575	$263
Racing	$1638	$279
Driving with a suspended license	$1697	$283
Refusal to submit to a chemical test	$1734	$295
DUI	$1750	$292
Leaving scene of an accident/hit and run	$1776	$302

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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 Downsville 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 Downsville.

The cheapest car insurance premiums in Downsville are offered by American Family at $401 for a six-month policy. However, it can be as expensive as $1792 with companies like State Farm.

Downsville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$401	$68
Kemper	$423	$72
Progressive	$513	$86
NYCM	$645	$109
New York Central Mutual Fire	$951	$158
USAA	$1015	$171
Allstate	$1507	$254
Travelers	$1549	$261
Nationwide	$1570	$262
State Farm	$1792	$302

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 Downsville are offered by American Family at $354. However, it can be as expensive as $1818 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Downsville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$354	$61
Kemper	$354	$59
Progressive	$439	$74
NYCM	$587	$98
USAA	$798	$136
Nationwide	$1100	$183
State Farm	$1190	$202
Travelers	$1739	$290
Allstate	$1818	$309

Car Insurance Price Trends in Downsville, New York

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

The average cost of full coverage in the Downsville dipped by $220 in December compared to $221 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 Downsville dipped to $76 in December, compared to $78 in November. This represents an decrease of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Downsville?

The car insurance in Downsville is $39 per month, which is lower than the national average.

What is the cheapest car insurance in Downsville?

The cheapest car insurance in Downsville is $84 per month for full coverage.

How much is car insurance in Downsville for teenagers?

Car insurance for teenagers costs $333 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 Downsville?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $154 per month to insure your car in Downsville.

Is car insurance expensive in Downsville?

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

Cheapest Car Insurance Quotes in Downsville

Why you can trust Way?

How Much Is Car Insurance in Downsville

Avg. Car Insurance in Downsville

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Downsville

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Downsville Car Insurance Rates by Company

Cheap Car Insurance Companies in Downsville, NY

Way's key takeaways about car insurance in Downsville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Downsville

Cheapest Liability Coverage in Downsville, NY

Cheapest Full Coverage Car Insurance in Downsville

Cheapest Full Coverage Car Insurance Quotes in Downsville, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Downsville by Rating Factor

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

Car Insurance Premiums by Age in Downsville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Downsville,NY

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

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 Downsville

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

Downsville Car Insurance Rates by Violation

Downsville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Downsville after a DUI

Downsville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Downsville after Speeding ticket

Car Insurance Price Trends in Downsville, New York

Average Car Insurance Cost in Downsville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Downsville, NY

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

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