Cheapest Car Insurance Quotes in Earlville

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Earlville Car Insurance

^$ 36

/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 Earlville

The car insurance rate in Earlville is $938 for a six-month policy, which is $220 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $447, making it a popular choice for budget-conscious drivers. Rates in Earlville 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 Earlville

$938

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Earlville

1st place: Kemper

At $447 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 $592 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $630 for six months, making it the third cheapest auto insurance company in Earlville.

Earlville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Earlville, NY is Kemper, offering policies at just $447 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $592.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $1439 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Earlville drivers find the best deals.

Cheap Car Insurance Companies in Earlville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$447	$76
New York Central Mutual Fire	$592	$99
Progressive	$630	$106
American Family	$693	$117
NYCM	$838	$141
USAA	$928	$156
Erie	$948	$160
Nationwide	$1034	$173
Travelers	$1054	$177
State Farm	$1256	$211
Allstate	$1405	$237
Chubb	$1439	$240

Key Takeaways

Way's key takeaways about car insurance in Earlville

The auto insurance costs in Earlville fall around $447 for six months.
The cheapest auto insurance company in Earlville is New York Central Mutual Fire.
Teen drivers pay the highest rate in Earlville at $723 per month.

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

Cheapest Minimum Liability Car Insurance in Earlville

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 Earlville are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Earlville. Their Average 6 Month Premium is $211. Preferred Mutual is the most expensive at $558 for the same period.

Cheapest Liability Coverage in Earlville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$211	$36
NYCM	$250	$41
Kemper	$260	$45
American Family	$313	$53
Progressive	$322	$54
USAA	$414	$70
Erie	$510	$87
Travelers	$548	$92
Allstate	$587	$100
State Farm	$625	$104
Nationwide	$404	$67
Utica National	$462	$79
Preferred Mutual	$558	$93

Cheapest Full Coverage Car Insurance in Earlville

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 Earlville is Kemper at $76 per month and $447 for six months.

Cheapest Full Coverage Car Insurance Quotes in Earlville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$447	$76
New York Central Mutual Fire	$592	$99
Progressive	$630	$106
American Family	$693	$117
NYCM	$838	$141
USAA	$928	$156
Erie	$948	$160
Nationwide	$1034	$173
Travelers	$1054	$177
State Farm	$1256	$211
Allstate	$1405	$237
Chubb	$1439	$240

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Average Car Insurance in Earlville 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 Earlville, NY increasing?

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

Car Insurance Premiums by Age in Earlville

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 Earlville,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Earlville at $52 per month. At $4296 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$303	$52
American Family	$365	$62
NYCM	$808	$136
Progressive	$996	$168
New York Central Mutual Fire	$1054	$179
Erie	$2026	$338
USAA	$2228	$375
Travelers	$2930	$493
Nationwide	$3050	$518
Chubb	$3195	$532
Allstate	$3676	$619
State Farm	$4296	$723

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 Earlville, Kemper is the cheapest car insurance provider. At $679 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 Earlville is Progressive, offering rates of around $4065 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$679	$113
Nationwide	$1034	$176
Chubb	$1227	$207
USAA	$1491	$254
Erie	$1588	$267
American Family	$1612	$274
NYCM	$1805	$301
Allstate	$1967	$331
Mercury	$2006	$335
State Farm	$2074	$349
Travelers	$2401	$404
Progressive	$4065	$684

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

Car Insurance Rates with An Accident in Earlville

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

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

The cheapest car insurance companies after an at-fault accident in Earlville include Kemper and American Family, offering $375 and $385, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $467.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$375	$62
American Family	$385	$65
Progressive	$592	$100
NYCM	$602	$101
New York Central Mutual Fire	$712	$119
USAA	$808	$136
Erie	$1034	$174
Chubb	$1174	$198
Allstate	$1265	$213
Travelers	$1304	$220
Nationwide	$1366	$228
State Farm	$1597	$269
Utica National	$462	$79
Preferred Mutual	$467	$78

Earlville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Earlville NY. For example, the car insurance in Earlville after a DUI increases to $577 for a six month policy. While the rate increases by $91 for a six-month policy in the case of a speeding ticket.

Earlville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1015	$169
One Med/PIP claim	$1015	$173
One comp claim	$1025	$171
Two comp claims	$1034	$176
Two Med/PIP claims	$1034	$173
Not-at-fault accident	$1039	$177
Failure to show documents	$1054	$176
Failure to wear a seat belt	$1059	$180
Driving with expired registration	$1068	$178
At-fault accident - less than $1000	$1073	$182
Cell phone violation	$1073	$179
Child safety restraint	$1073	$182
Driving without lights	$1073	$179
Failure to stop at a red light	$1073	$182
Failure to yield	$1073	$179
Following too closely	$1073	$182
Illegal turn	$1073	$179
Improper passing	$1073	$182
Passing school bus	$1073	$179
Texting while driving	$1073	$182
Wrong way/wrong lane	$1073	$179
Driving too slowly	$1083	$184
Speeding in school zone	$1083	$181
At-fault accident - $1000-$2000	$1087	$185
Speeding 11 - 15 MPH over limit	$1106	$185
Speeding 6 - 10 MPH over limit	$1106	$188
Operating a vehicle without permission	$1126	$188
Open container	$1140	$194
In 65 MPH zone	$1188	$198
Speeding 16 - 20 MPH over limit	$1203	$205
Speeding 21 - 25 MPH over limit	$1246	$207
At-fault accident - greater than $2000	$1342	$228
Reckless driving	$1434	$239
Racing	$1491	$254
Driving with a suspended license	$1545	$258
Refusal to submit to a chemical test	$1578	$268
DUI	$1592	$266
Leaving scene of an accident/hit and run	$1617	$275

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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 Earlville 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 Earlville.

The cheapest car insurance premiums in Earlville are offered by American Family at $365 for a six-month policy. However, it can be as expensive as $1805 with companies like Chubb.

Earlville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$365	$62
Kemper	$385	$66
Progressive	$496	$83
NYCM	$751	$126
New York Central Mutual Fire	$866	$144
USAA	$987	$166
Travelers	$1290	$217
Allstate	$1525	$257
Erie	$1573	$262
Nationwide	$1708	$291
State Farm	$1795	$302
Chubb	$1805	$307

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 Earlville are offered by American Family at $322. However, it can be as expensive as $2054 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Earlville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$322	$53
Kemper	$322	$55
Progressive	$467	$79
NYCM	$756	$129
USAA	$876	$146
Erie	$1025	$174
Nationwide	$1034	$173
Travelers	$1193	$203
State Farm	$1443	$241
Chubb	$1708	$291
Allstate	$2054	$343

Car Insurance Price Trends in Earlville, New York

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

The average cost of full coverage in the Earlville rose by $223 in January compared to $200 of December. In other words, there has been an increase by $23 when you compare January and December.

The average cost of liability insurance in the Earlville dipped to $65 in January, compared to $69 in December. This represents an decrease of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Earlville?

The car insurance in Earlville is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Earlville?

The cheapest car insurance in Earlville is $76 per month for full coverage.

How much is car insurance in Earlville for teenagers?

Car insurance for teenagers costs $303 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 Earlville?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $157 per month to insure your car in Earlville.

Is car insurance expensive in Earlville?

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

Cheapest Car Insurance Quotes in Earlville

Why you can trust Way?

How Much Is Car Insurance in Earlville

Avg. Car Insurance in Earlville

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Earlville

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Earlville Car Insurance Rates by Company

Cheap Car Insurance Companies in Earlville, NY

Way's key takeaways about car insurance in Earlville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Earlville

Cheapest Liability Coverage in Earlville, NY

Cheapest Full Coverage Car Insurance in Earlville

Cheapest Full Coverage Car Insurance Quotes in Earlville, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Earlville by Rating Factor

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

Car Insurance Premiums by Age in Earlville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Earlville,NY

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

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 Earlville

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

Earlville Car Insurance Rates by Violation

Earlville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Earlville after a DUI

Earlville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Earlville after Speeding ticket

Car Insurance Price Trends in Earlville, New York

Average Car Insurance Cost in Earlville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Earlville, NY

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

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