Cheapest Car Insurance Quotes in East Atlantic Beach

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East Atlantic Beach Car Insurance

^$ 78

/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 East Atlantic Beach

The car insurance rate in East Atlantic Beach is $1832 for a six-month policy, which is $803 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $983, making it a popular choice for budget-conscious drivers. Rates in East Atlantic Beach 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 East Atlantic Beach

$1832

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in East Atlantic Beach

1st place: Kemper

At $983 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 $1301 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1312 for six months, making it the third cheapest auto insurance company in East Atlantic Beach.

East Atlantic Beach Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in East Atlantic Beach, NY is Kemper, offering policies at just $983 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1301.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2738 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help East Atlantic Beach drivers find the best deals.

Cheap Car Insurance Companies in East Atlantic Beach, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$983	$167
New York Central Mutual Fire	$1301	$217
Progressive	$1312	$221
American Family	$1522	$256
NYCM	$1597	$269
Erie	$1914	$319
Nationwide	$1924	$328
USAA	$1935	$326
State Farm	$2399	$404
Travelers	$2528	$425
Allstate	$2738	$461

Key Takeaways

Way's key takeaways about car insurance in East Atlantic Beach

The auto insurance costs in East Atlantic Beach fall around $983 for six months.
The cheapest auto insurance company in East Atlantic Beach is New York Central Mutual Fire.
Teen drivers pay the highest rate in East Atlantic Beach at $1396 per month.

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Cheapest Minimum Liability Car Insurance in East Atlantic Beach

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 East Atlantic Beach are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in East Atlantic Beach. Their Average 6 Month Premium is $465. Preferred Mutual is the most expensive at $1226 for the same period.

Cheapest Liability Coverage in East Atlantic Beach, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$465	$78
NYCM	$486	$82
Kemper	$571	$94
Progressive	$676	$114
American Family	$687	$116
USAA	$835	$141
Nationwide	$888	$148
Erie	$1121	$190
State Farm	$1301	$219
Travelers	$1396	$235
Allstate	$1460	$246
Utica National	$1015	$173
Preferred Mutual	$1226	$205

Cheapest Full Coverage Car Insurance in East Atlantic Beach

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 East Atlantic Beach is Kemper at $167 per month and $983 for six months.

Cheapest Full Coverage Car Insurance Quotes in East Atlantic Beach, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$983	$167
New York Central Mutual Fire	$1301	$217
Progressive	$1312	$221
American Family	$1522	$256
NYCM	$1597	$269
Erie	$1914	$319
Nationwide	$1924	$328
USAA	$1935	$326
State Farm	$2399	$404
Travelers	$2528	$425
Allstate	$2738	$461

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Average Car Insurance in East Atlantic Beach 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 East Atlantic Beach, NY increasing?

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

Car Insurance Premiums by Age in East Atlantic Beach

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	$1002
30s	National Grange Mutual	$714
40s	National Grange Mutual	$687
50s	National Grange Mutual	$698
60s	National Grange Mutual	$751
70s	National Grange Mutual	$1031

Cheapest Car Insurance Rates for Teen Drivers in East Atlantic Beach,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the East Atlantic Beach at $110 per month. At $8289 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$666	$110
American Family	$803	$135
NYCM	$1342	$226
Progressive	$2125	$358
New York Central Mutual Fire	$2316	$386
USAA	$4251	$716
Nationwide	$5552	$926
Travelers	$6873	$1157
Allstate	$7433	$1251
State Farm	$8289	$1396

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 East Atlantic Beach.

As young drivers face the highest rates in East Atlantic Beach, National Grange Mutual offers the cheapest auto insurance rates at $1002 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 East Atlantic Beach, Chubb is the cheapest car insurance provider. At $1428 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 East Atlantic Beach is Progressive, offering rates of around $9210 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1428	$239
Kemper	$1492	$253
Nationwide	$1924	$320
USAA	$2665	$454
NYCM	$2780	$463
Erie	$3014	$513
American Family	$3542	$591
Allstate	$3626	$611
State Farm	$3754	$632
Mercury	$4409	$749
Travelers	$4503	$758
Progressive	$9210	$1550

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Car Insurance Rates with An Accident in East Atlantic Beach

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 East Atlantic Beach, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in East Atlantic Beach

The cheapest car insurance companies after an at-fault accident in East Atlantic Beach include Kemper and American Family, offering $824 and $846, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $1025.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$824	$137
American Family	$846	$142
NYCM	$1025	$173
Erie	$1121	$190
Chubb	$1237	$206
Progressive	$1353	$228
New York Central Mutual Fire	$1565	$262
USAA	$1680	$283
Nationwide	$2528	$422
Allstate	$2549	$429
State Farm	$3078	$518
Travelers	$3129	$527
Utica National	$1015	$173
Preferred Mutual	$1025	$171

East Atlantic Beach Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in East Atlantic Beach NY. For example, the car insurance in East Atlantic Beach after a DUI increases to $1269 for a six month policy. While the rate increases by $201 for a six-month policy in the case of a speeding ticket.

East Atlantic Beach auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2230	$372
One Med/PIP claim	$2230	$379
One comp claim	$2252	$376
Two comp claims	$2273	$386
Two Med/PIP claims	$2273	$379
Not-at-fault accident	$2284	$388
Failure to show documents	$2316	$386
Failure to wear a seat belt	$2326	$395
Driving with expired registration	$2348	$392
At-fault accident - less than $1000	$2359	$401
Cell phone violation	$2359	$393
Child safety restraint	$2359	$401
Driving without lights	$2359	$393
Failure to stop at a red light	$2359	$401
Failure to yield	$2359	$393
Following too closely	$2359	$401
Illegal turn	$2359	$393
Improper passing	$2359	$401
Passing school bus	$2359	$393
Texting while driving	$2359	$401
Wrong way/wrong lane	$2359	$393
Driving too slowly	$2380	$404
Speeding in school zone	$2380	$397
At-fault accident - $1000-$2000	$2389	$406
Speeding 11 - 15 MPH over limit	$2431	$406
Speeding 6 - 10 MPH over limit	$2431	$413
Operating a vehicle without permission	$2474	$413
Open container	$2506	$425
In 65 MPH zone	$2611	$436
Speeding 16 - 20 MPH over limit	$2643	$450
Speeding 21 - 25 MPH over limit	$2738	$456
At-fault accident - greater than $2000	$2949	$502
Reckless driving	$3151	$525
Racing	$3277	$557
Driving with a suspended license	$3394	$566
Refusal to submit to a chemical test	$3467	$589
DUI	$3499	$584
Leaving scene of an accident/hit and run	$3553	$603

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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 East Atlantic Beach 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 East Atlantic Beach.

The cheapest car insurance premiums in East Atlantic Beach are offered by American Family at $803 for a six-month policy. However, it can be as expensive as $3585 with companies like State Farm.

East Atlantic Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$803	$135
Kemper	$846	$144
Progressive	$1025	$173
NYCM	$1291	$217
New York Central Mutual Fire	$1903	$317
USAA	$2029	$342
Allstate	$3014	$507
Travelers	$3097	$522
Nationwide	$3140	$523
State Farm	$3585	$603

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 East Atlantic Beach are offered by American Family at $708. However, it can be as expensive as $3637 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in East Atlantic Beach after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$708	$121
Kemper	$708	$117
Progressive	$878	$148
NYCM	$1173	$196
USAA	$1597	$272
Nationwide	$2200	$367
State Farm	$2380	$404
Travelers	$3478	$580
Allstate	$3637	$618

Car Insurance Price Trends in East Atlantic Beach, New York

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

The average cost of full coverage in the East Atlantic Beach dipped by $440 in December compared to $441 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 East Atlantic Beach dipped to $151 in December, compared to $157 in November. This represents an decrease of $6 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in East Atlantic Beach?

The car insurance in East Atlantic Beach is $78 per month, which is lower than the national average.

What is the cheapest car insurance in East Atlantic Beach?

The cheapest car insurance in East Atlantic Beach is $167 per month for full coverage.

How much is car insurance in East Atlantic Beach for teenagers?

Car insurance for teenagers costs $666 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 East Atlantic Beach?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $308 per month to insure your car in East Atlantic Beach.

Is car insurance expensive in East Atlantic Beach?

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

Cheapest Car Insurance Quotes in East Atlantic Beach

Why you can trust Way?

How Much Is Car Insurance in East Atlantic Beach

Avg. Car Insurance in East Atlantic Beach

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in East Atlantic Beach

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

East Atlantic Beach Car Insurance Rates by Company

Cheap Car Insurance Companies in East Atlantic Beach, NY

Way's key takeaways about car insurance in East Atlantic Beach

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in East Atlantic Beach

Cheapest Liability Coverage in East Atlantic Beach, NY

Cheapest Full Coverage Car Insurance in East Atlantic Beach

Cheapest Full Coverage Car Insurance Quotes in East Atlantic Beach, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in East Atlantic Beach by Rating Factor

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

Car Insurance Premiums by Age in East Atlantic Beach

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in East Atlantic Beach,NY

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

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 East Atlantic Beach

Cheapest Car Insurance Companies after an At-Fault Accident in East Atlantic Beach

East Atlantic Beach Car Insurance Rates by Violation

East Atlantic Beach auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in East Atlantic Beach after a DUI

East Atlantic Beach car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in East Atlantic Beach after Speeding ticket

Car Insurance Price Trends in East Atlantic Beach, New York

Average Car Insurance Cost in East Atlantic Beach by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near East Atlantic Beach, NY

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

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