Cheapest Car Insurance Quotes in East Northport

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East Northport Car Insurance

^$ 61

/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 Northport

The car insurance rate in East Northport is $1430 for a six-month policy, which is $401 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $767, making it a popular choice for budget-conscious drivers. Rates in East Northport 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 Northport

$1430

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in East Northport

1st place: Kemper

At $767 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 $1016 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1024 for six months, making it the third cheapest auto insurance company in East Northport.

East Northport Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in East Northport, NY is Kemper, offering policies at just $767 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1016.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2138 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help East Northport drivers find the best deals.

Cheap Car Insurance Companies in East Northport, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$767	$131
New York Central Mutual Fire	$1016	$170
Progressive	$1024	$172
American Family	$1188	$200
NYCM	$1247	$210
Erie	$1494	$249
Nationwide	$1503	$256
USAA	$1511	$254
State Farm	$1874	$316
Travelers	$1974	$332
Allstate	$2138	$360

Key Takeaways

Way's key takeaways about car insurance in East Northport

The auto insurance costs in East Northport fall around $767 for six months.
The cheapest auto insurance company in East Northport is New York Central Mutual Fire.
Teen drivers pay the highest rate in East Northport at $1090 per month.

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Cheapest Minimum Liability Car Insurance in East Northport

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 Northport are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in East Northport. Their Average 6 Month Premium is $363. Preferred Mutual is the most expensive at $958 for the same period.

Cheapest Liability Coverage in East Northport, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$363	$61
NYCM	$379	$64
Kemper	$446	$74
Progressive	$528	$89
American Family	$537	$90
USAA	$652	$110
Nationwide	$694	$115
Erie	$876	$149
State Farm	$1016	$171
Travelers	$1090	$183
Allstate	$1140	$192
Utica National	$792	$135
Preferred Mutual	$958	$160

Cheapest Full Coverage Car Insurance in East Northport

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 Northport is Kemper at $131 per month and $767 for six months.

Cheapest Full Coverage Car Insurance Quotes in East Northport, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$767	$131
New York Central Mutual Fire	$1016	$170
Progressive	$1024	$172
American Family	$1188	$200
NYCM	$1247	$210
Erie	$1494	$249
Nationwide	$1503	$256
USAA	$1511	$254
State Farm	$1874	$316
Travelers	$1974	$332
Allstate	$2138	$360

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Average Car Insurance in East Northport 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 Northport, NY increasing?

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

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	$783
30s	National Grange Mutual	$557
40s	National Grange Mutual	$537
50s	National Grange Mutual	$545
60s	National Grange Mutual	$587
70s	National Grange Mutual	$805

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

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the East Northport at $86 per month. At $6473 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$520	$86
American Family	$627	$106
NYCM	$1048	$177
Progressive	$1660	$279
New York Central Mutual Fire	$1808	$302
USAA	$3319	$559
Nationwide	$4335	$723
Travelers	$5367	$903
Allstate	$5805	$977
State Farm	$6473	$1090

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 Northport.

As young drivers face the highest rates in East Northport, National Grange Mutual offers the cheapest auto insurance rates at $783 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 Northport, Chubb is the cheapest car insurance provider. At $1115 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 Northport is Progressive, offering rates of around $7192 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1115	$186
Kemper	$1165	$197
Nationwide	$1503	$250
USAA	$2081	$354
NYCM	$2171	$361
Erie	$2353	$400
American Family	$2766	$461
Allstate	$2831	$477
State Farm	$2932	$493
Mercury	$3443	$585
Travelers	$3517	$592
Progressive	$7192	$1211

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Car Insurance Rates with An Accident in East Northport

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

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

The cheapest car insurance companies after an at-fault accident in East Northport include Kemper and American Family, offering $644 and $660, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $801.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$644	$107
American Family	$660	$111
NYCM	$801	$135
Erie	$876	$149
Chubb	$966	$161
Progressive	$1056	$178
New York Central Mutual Fire	$1222	$204
USAA	$1312	$221
Nationwide	$1974	$329
Allstate	$1990	$335
State Farm	$2403	$404
Travelers	$2444	$411
Utica National	$792	$135
Preferred Mutual	$801	$133

East Northport Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in East Northport NY. For example, the car insurance in East Northport after a DUI increases to $991 for a six month policy. While the rate increases by $157 for a six-month policy in the case of a speeding ticket.

East Northport auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1742	$291
One Med/PIP claim	$1742	$296
One comp claim	$1758	$293
Two comp claims	$1775	$302
Two Med/PIP claims	$1775	$296
Not-at-fault accident	$1783	$303
Failure to show documents	$1808	$302
Failure to wear a seat belt	$1817	$309
Driving with expired registration	$1833	$306
At-fault accident - less than $1000	$1842	$313
Cell phone violation	$1842	$307
Child safety restraint	$1842	$313
Driving without lights	$1842	$307
Failure to stop at a red light	$1842	$313
Failure to yield	$1842	$307
Following too closely	$1842	$313
Illegal turn	$1842	$307
Improper passing	$1842	$313
Passing school bus	$1842	$307
Texting while driving	$1842	$313
Wrong way/wrong lane	$1842	$307
Driving too slowly	$1858	$316
Speeding in school zone	$1858	$310
At-fault accident - $1000-$2000	$1865	$317
Speeding 11 - 15 MPH over limit	$1899	$317
Speeding 6 - 10 MPH over limit	$1899	$322
Operating a vehicle without permission	$1932	$322
Open container	$1957	$332
In 65 MPH zone	$2039	$341
Speeding 16 - 20 MPH over limit	$2064	$352
Speeding 21 - 25 MPH over limit	$2138	$356
At-fault accident - greater than $2000	$2303	$392
Reckless driving	$2460	$410
Racing	$2559	$435
Driving with a suspended license	$2651	$442
Refusal to submit to a chemical test	$2708	$460
DUI	$2733	$456
Leaving scene of an accident/hit and run	$2774	$471

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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 Northport 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 Northport.

The cheapest car insurance premiums in East Northport are offered by American Family at $627 for a six-month policy. However, it can be as expensive as $2799 with companies like State Farm.

East Northport car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$627	$106
Kemper	$660	$113
Progressive	$801	$135
NYCM	$1008	$170
New York Central Mutual Fire	$1486	$247
USAA	$1585	$267
Allstate	$2353	$396
Travelers	$2419	$407
Nationwide	$2452	$409
State Farm	$2799	$471

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 Northport are offered by American Family at $553. However, it can be as expensive as $2840 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in East Northport after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$553	$95
Kemper	$553	$92
Progressive	$685	$115
NYCM	$916	$153
USAA	$1247	$213
Nationwide	$1718	$286
State Farm	$1858	$316
Travelers	$2716	$453
Allstate	$2840	$482

Car Insurance Price Trends in East Northport, New York

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

The average cost of full coverage in the East Northport dipped by $343 in December compared to $345 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 Northport dipped to $118 in December, compared to $122 in November. This represents an decrease of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in East Northport?

The car insurance in East Northport is $61 per month, which is lower than the national average.

What is the cheapest car insurance in East Northport?

The cheapest car insurance in East Northport is $131 per month for full coverage.

How much is car insurance in East Northport for teenagers?

Car insurance for teenagers costs $520 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 Northport?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $240 per month to insure your car in East Northport.

Is car insurance expensive in East Northport?

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

Cheapest Car Insurance Quotes in East Northport

Why you can trust Way?

How Much Is Car Insurance in East Northport

Avg. Car Insurance in East Northport

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in East Northport

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

East Northport Car Insurance Rates by Company

Cheap Car Insurance Companies in East Northport, NY

Way's key takeaways about car insurance in East Northport

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in East Northport

Cheapest Liability Coverage in East Northport, NY

Cheapest Full Coverage Car Insurance in East Northport

Cheapest Full Coverage Car Insurance Quotes in East Northport, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in East Northport by Rating Factor

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

Car Insurance Premiums by Age in East Northport

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Northport

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

East Northport Car Insurance Rates by Violation

East Northport auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in East Northport after a DUI

East Northport car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in East Northport after Speeding ticket

Car Insurance Price Trends in East Northport, New York

Average Car Insurance Cost in East Northport by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near East Northport, NY

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

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