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Finding the cheapest car insurance quotes in East Garden City shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Garden City
The car insurance rate in East Garden City is $1904 for a six-month policy, which is $875 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1021, making it a popular choice for budget-conscious drivers. Rates in East Garden City 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.
Cheapest Car Insurance Companies in East Garden City
1st place: Kemper
At $1021 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 $1352 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $1363
for six months, making it
the third cheapest auto insurance company in East Garden City.
East Garden City Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in East Garden City, NY is Kemper, offering policies at just $1021 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1352.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2845 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help East Garden City drivers find the best deals.
Cheap Car Insurance Companies in East Garden City, NY
Way's key takeaways about car insurance in East Garden City
The auto insurance costs in East Garden City fall around $1021 for six
months.
The cheapest auto insurance company in East Garden City is New York Central Mutual Fire.
Teen drivers pay the highest rate in East Garden City at $1450 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in East Garden City
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 Garden City are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in East Garden City. Their Average 6 Month Premium is $483.
Preferred Mutual is the most
expensive at $1275 for the same
period.
Cheapest Liability Coverage in East Garden City, NY
Cheapest Full Coverage Car Insurance in East Garden City
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 Garden City is Kemper
at $174 per month and $1021
for six months.
Cheapest Full Coverage Car Insurance Quotes in East Garden City,
NY
Get Your Car Insurance Quote in East Garden City
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Average Car Insurance in East Garden City 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 Garden City, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in East Garden City, 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 Garden City'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 Garden City
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
$1042
30s
National Grange Mutual
$742
40s
National Grange Mutual
$714
50s
National Grange Mutual
$725
60s
National Grange Mutual
$781
70s
National Grange Mutual
$1071
Cheapest Car Insurance Rates for Teen Drivers in
East Garden City,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the East Garden City at $115
per
month. At $8615 for a six-month premium,
State Farm offers the most expensive rate for
teen drivers.
If you are in your twenties National Grange Mutual is
the best choice for car
insurance in East Garden City.
As young drivers face the highest rates in East Garden City, National Grange Mutual
offers the cheapest auto insurance rates at $1042 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 Garden City,
Chubb is
the cheapest car insurance provider. At $1484 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 Garden City is Progressive, offering
rates of around $9572 for six
months.
Save up to $971/yr on car insurance rates in East Garden City.
Car Insurance Rates with An Accident in East Garden City
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 Garden City, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in East Garden City
The cheapest car insurance companies after an at-fault accident in
East Garden City include Kemper
and American Family, offering $857
and $879,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$1066.
Here is a list of driving violations that can increase your car
insurance rates in East Garden City NY. For example, the car
insurance in East Garden City
after a DUI increases to $1319 for a six
month policy. While the rate increases by $209 for a six-month policy in the case of
a speeding ticket.
East Garden City auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$2318
$387
One Med/PIP claim
$2318
$394
One comp claim
$2340
$390
Two comp claims
$2362
$401
Two Med/PIP claims
$2362
$394
Not-at-fault accident
$2374
$403
Failure to show documents
$2407
$401
Failure to wear a seat belt
$2418
$411
Driving with expired registration
$2440
$407
At-fault accident - less than $1000
$2451
$416
Cell phone violation
$2451
$409
Child safety restraint
$2451
$416
Driving without lights
$2451
$409
Failure to stop at a red light
$2451
$416
Failure to yield
$2451
$409
Following too closely
$2451
$416
Illegal turn
$2451
$409
Improper passing
$2451
$416
Passing school bus
$2451
$409
Texting while driving
$2451
$416
Wrong way/wrong lane
$2451
$409
Driving too slowly
$2473
$420
Speeding in school zone
$2473
$413
At-fault accident - $1000-$2000
$2483
$422
Speeding 11 - 15 MPH over limit
$2527
$422
Speeding 6 - 10 MPH over limit
$2527
$429
Operating a vehicle without permission
$2572
$429
Open container
$2605
$442
In 65 MPH zone
$2714
$453
Speeding 16 - 20 MPH over limit
$2747
$468
Speeding 21 - 25 MPH over limit
$2845
$474
At-fault accident - greater than $2000
$3065
$522
Reckless driving
$3275
$546
Racing
$3406
$579
Driving with a suspended license
$3528
$588
Refusal to submit to a chemical test
$3604
$612
DUI
$3637
$607
Leaving scene of an accident/hit and run
$3693
$627
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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 Garden City 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 Garden City.
The cheapest car insurance premiums in
East Garden City are
offered by American Family at $834 for a six-month policy.
However, it can be as
expensive as $3726 with companies
like State Farm.
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 Garden City are offered by American Family
at $736. However,
it can be as expensive as $3780
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in East Garden City after Speeding ticket
Car Insurance Price Trends in East Garden City,
New York
Car insurance rates in East Garden City have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the East Garden City dipped by
$457 in December
compared to $459 of November. In other words, there has been an decrease by $2 when you
compare December and November.
The average cost of liability insurance in the East Garden City dipped to $157 in December,
compared to $163 in November.
This represents an decrease of $6
when comparing December and November.
Average Car Insurance Cost in East Garden City by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
East Garden City. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in East Garden City?
The car insurance in East Garden City is $81 per month, which is lower than the national average.
What is the cheapest car insurance in East Garden City?
The cheapest car insurance in East Garden City
is $174 per month
for full coverage.
How much is car insurance in East Garden City for teenagers?
Car insurance for teenagers costs $692 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 Garden City?
The average cost of car insurance is $1029 for a six-month
policy. It will cost around $320 per month to insure your
car in East Garden City.
Is car insurance expensive in East Garden City?
Car insurance can be expensive in East Garden City if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in East Garden City can be
affordable.
What is the best car insurance in East Garden City,
NY?
The best car insurance company in East Garden City
NY is
Kemper, offering $1021 for a
six-month policy.
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Find Car Insurance Rates in Cities Near East Garden City, NY
Car Insurance Rates by State in the USA (2025 Update)
East Garden City Car Insurance
