Cheapest Car Insurance Quotes in East Meadow

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East Meadow Car Insurance

^$ 71

/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 Meadow

The car insurance rate in East Meadow is $1864 for a six-month policy, which is $706 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $889, making it a popular choice for budget-conscious drivers. Rates in East Meadow 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 Meadow

$1864

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in East Meadow

1st place: Kemper

At $889 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 $1177 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1253 for six months, making it the third cheapest auto insurance company in East Meadow.

East Meadow Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in East Meadow, NY is Kemper, offering policies at just $889 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1177.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $2859 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help East Meadow drivers find the best deals.

Cheap Car Insurance Companies in East Meadow, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$889	$151
New York Central Mutual Fire	$1177	$196
Progressive	$1253	$211
American Family	$1377	$232
NYCM	$1665	$280
USAA	$1845	$311
Erie	$1884	$317
Nationwide	$2056	$343
Travelers	$2095	$353
State Farm	$2496	$420
Allstate	$2792	$470
Chubb	$2859	$477

Key Takeaways

Way's key takeaways about car insurance in East Meadow

The auto insurance costs in East Meadow fall around $889 for six months.
The cheapest auto insurance company in East Meadow is New York Central Mutual Fire.
Teen drivers pay the highest rate in East Meadow at $1438 per month.

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Cheapest Minimum Liability Car Insurance in East Meadow

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 Meadow are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in East Meadow. Their Average 6 Month Premium is $420. Preferred Mutual is the most expensive at $1109 for the same period.

Cheapest Liability Coverage in East Meadow, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$420	$71
NYCM	$497	$82
Kemper	$517	$89
American Family	$621	$105
Progressive	$641	$108
USAA	$823	$138
Erie	$1014	$172
Travelers	$1090	$182
Allstate	$1167	$198
State Farm	$1243	$208
Nationwide	$803	$134
Utica National	$918	$156
Preferred Mutual	$1109	$185

Cheapest Full Coverage Car Insurance in East Meadow

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 Meadow is Kemper at $151 per month and $889 for six months.

Cheapest Full Coverage Car Insurance Quotes in East Meadow, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$889	$151
New York Central Mutual Fire	$1177	$196
Progressive	$1253	$211
American Family	$1377	$232
NYCM	$1665	$280
USAA	$1845	$311
Erie	$1884	$317
Nationwide	$2056	$343
Travelers	$2095	$353
State Farm	$2496	$420
Allstate	$2792	$470
Chubb	$2859	$477

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Average Car Insurance in East Meadow 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 Meadow, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in East Meadow, 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 Meadow'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 Meadow

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 East Meadow,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the East Meadow at $103 per month. At $8539 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$602	$103
American Family	$726	$122
NYCM	$1607	$270
Progressive	$1980	$333
New York Central Mutual Fire	$2095	$356
Erie	$4027	$671
USAA	$4428	$745
Travelers	$5823	$980
Nationwide	$6063	$1030
Chubb	$6350	$1058
Allstate	$7306	$1230
State Farm	$8539	$1438

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 East Meadow, Kemper is the cheapest car insurance provider. At $1349 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 Meadow is Progressive, offering rates of around $8081 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1349	$225
Nationwide	$2056	$349
Chubb	$2439	$411
USAA	$2964	$504
Erie	$3156	$531
American Family	$3204	$544
NYCM	$3587	$597
Allstate	$3911	$658
Mercury	$3988	$665
State Farm	$4122	$694
Travelers	$4772	$803
Progressive	$8081	$1360

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Car Insurance Rates with An Accident in East Meadow

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

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

The cheapest car insurance companies after an at-fault accident in East Meadow include Kemper and American Family, offering $745 and $765, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $927.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$745	$124
American Family	$765	$129
Progressive	$1177	$198
NYCM	$1196	$201
New York Central Mutual Fire	$1415	$237
USAA	$1607	$270
Erie	$2056	$346
Chubb	$2333	$393
Allstate	$2515	$423
Travelers	$2592	$436
Nationwide	$2716	$452
State Farm	$3175	$535
Utica National	$918	$156
Preferred Mutual	$927	$155

East Meadow Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in East Meadow NY. For example, the car insurance in East Meadow after a DUI increases to $1148 for a six month policy. While the rate increases by $182 for a six-month policy in the case of a speeding ticket.

East Meadow auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2017	$336
One Med/PIP claim	$2017	$343
One comp claim	$2037	$340
Two comp claims	$2056	$349
Two Med/PIP claims	$2056	$343
Not-at-fault accident	$2066	$351
Failure to show documents	$2095	$349
Failure to wear a seat belt	$2104	$357
Driving with expired registration	$2124	$354
At-fault accident - less than $1000	$2133	$362
Cell phone violation	$2133	$356
Child safety restraint	$2133	$362
Driving without lights	$2133	$356
Failure to stop at a red light	$2133	$362
Failure to yield	$2133	$356
Following too closely	$2133	$362
Illegal turn	$2133	$356
Improper passing	$2133	$362
Passing school bus	$2133	$356
Texting while driving	$2133	$362
Wrong way/wrong lane	$2133	$356
Driving too slowly	$2153	$365
Speeding in school zone	$2153	$359
At-fault accident - $1000-$2000	$2161	$367
Speeding 11 - 15 MPH over limit	$2199	$367
Speeding 6 - 10 MPH over limit	$2199	$374
Operating a vehicle without permission	$2238	$374
Open container	$2267	$385
In 65 MPH zone	$2362	$394
Speeding 16 - 20 MPH over limit	$2391	$407
Speeding 21 - 25 MPH over limit	$2476	$412
At-fault accident - greater than $2000	$2668	$454
Reckless driving	$2850	$475
Racing	$2964	$504
Driving with a suspended license	$3070	$512
Refusal to submit to a chemical test	$3136	$533
DUI	$3165	$528
Leaving scene of an accident/hit and run	$3214	$546

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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 Meadow 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 Meadow.

The cheapest car insurance premiums in East Meadow are offered by American Family at $726 for a six-month policy. However, it can be as expensive as $3587 with companies like Chubb.

East Meadow car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$726	$122
Kemper	$765	$130
Progressive	$985	$166
NYCM	$1492	$251
New York Central Mutual Fire	$1721	$287
USAA	$1961	$330
Travelers	$2563	$431
Allstate	$3032	$510
Erie	$3127	$522
Nationwide	$3395	$578
State Farm	$3568	$601
Chubb	$3587	$610

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 Meadow are offered by American Family at $641. However, it can be as expensive as $4083 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in East Meadow after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$641	$106
Kemper	$641	$109
Progressive	$927	$156
NYCM	$1502	$256
USAA	$1740	$290
Erie	$2037	$346
Nationwide	$2056	$343
Travelers	$2372	$403
State Farm	$2869	$478
Chubb	$3395	$578
Allstate	$4083	$681

Car Insurance Price Trends in East Meadow, New York

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

The average cost of full coverage in the East Meadow rose by $443 in January compared to $398 of December. In other words, there has been an increase by $45 when you compare January and December.

The average cost of liability insurance in the East Meadow dipped to $129 in January, compared to $137 in December. This represents an decrease of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in East Meadow?

The car insurance in East Meadow is $71 per month, which is lower than the national average.

What is the cheapest car insurance in East Meadow?

The cheapest car insurance in East Meadow is $151 per month for full coverage.

How much is car insurance in East Meadow for teenagers?

Car insurance for teenagers costs $602 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 Meadow?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $312 per month to insure your car in East Meadow.

Is car insurance expensive in East Meadow?

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

Cheapest Car Insurance Quotes in East Meadow

Why you can trust Way?

How Much Is Car Insurance in East Meadow

Avg. Car Insurance in East Meadow

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in East Meadow

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

East Meadow Car Insurance Rates by Company

Cheap Car Insurance Companies in East Meadow, NY

Way's key takeaways about car insurance in East Meadow

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in East Meadow

Cheapest Liability Coverage in East Meadow, NY

Cheapest Full Coverage Car Insurance in East Meadow

Cheapest Full Coverage Car Insurance Quotes in East Meadow, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in East Meadow by Rating Factor

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

Car Insurance Premiums by Age in East Meadow

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in East Meadow,NY

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

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 Meadow

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

East Meadow Car Insurance Rates by Violation

East Meadow auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in East Meadow after a DUI

East Meadow car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in East Meadow after Speeding ticket

Car Insurance Price Trends in East Meadow, New York

Average Car Insurance Cost in East Meadow by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near East Meadow, NY

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

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