Cheapest Car Insurance Quotes in East Patchogue

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East Patchogue Car Insurance

^$ 59

/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 Patchogue

The car insurance rate in East Patchogue is $1369 for a six-month policy, which is $340 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $734, making it a popular choice for budget-conscious drivers. Rates in East Patchogue 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 Patchogue

$1369

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in East Patchogue

1st place: Kemper

At $734 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 $972 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $980 for six months, making it the third cheapest auto insurance company in East Patchogue.

East Patchogue Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in East Patchogue, NY is Kemper, offering policies at just $734 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $972.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2046 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help East Patchogue drivers find the best deals.

Cheap Car Insurance Companies in East Patchogue, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$734	$125
New York Central Mutual Fire	$972	$162
Progressive	$980	$165
American Family	$1137	$192
NYCM	$1193	$201
Erie	$1430	$238
Nationwide	$1438	$245
USAA	$1446	$243
State Farm	$1793	$302
Travelers	$1889	$318
Allstate	$2046	$344

Key Takeaways

Way's key takeaways about car insurance in East Patchogue

The auto insurance costs in East Patchogue fall around $734 for six months.
The cheapest auto insurance company in East Patchogue is New York Central Mutual Fire.
Teen drivers pay the highest rate in East Patchogue at $1043 per month.

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

Cheapest Minimum Liability Car Insurance in East Patchogue

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 Patchogue are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in East Patchogue. Their Average 6 Month Premium is $347. Preferred Mutual is the most expensive at $916 for the same period.

Cheapest Liability Coverage in East Patchogue, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$347	$59
NYCM	$363	$61
Kemper	$427	$70
Progressive	$505	$85
American Family	$513	$86
USAA	$624	$105
Nationwide	$664	$110
Erie	$838	$142
State Farm	$972	$164
Travelers	$1043	$176
Allstate	$1091	$184
Utica National	$758	$129
Preferred Mutual	$916	$153

Cheapest Full Coverage Car Insurance in East Patchogue

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 Patchogue is Kemper at $125 per month and $734 for six months.

Cheapest Full Coverage Car Insurance Quotes in East Patchogue, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$734	$125
New York Central Mutual Fire	$972	$162
Progressive	$980	$165
American Family	$1137	$192
NYCM	$1193	$201
Erie	$1430	$238
Nationwide	$1438	$245
USAA	$1446	$243
State Farm	$1793	$302
Travelers	$1889	$318
Allstate	$2046	$344

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Average Car Insurance in East Patchogue 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 Patchogue, NY increasing?

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

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	$749
30s	National Grange Mutual	$533
40s	National Grange Mutual	$513
50s	National Grange Mutual	$521
60s	National Grange Mutual	$561
70s	National Grange Mutual	$770

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

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the East Patchogue at $82 per month. At $6194 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$497	$82
American Family	$600	$101
NYCM	$1003	$169
Progressive	$1588	$267
New York Central Mutual Fire	$1730	$289
USAA	$3176	$535
Nationwide	$4148	$692
Travelers	$5135	$865
Allstate	$5554	$935
State Farm	$6194	$1043

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 Patchogue.

As young drivers face the highest rates in East Patchogue, National Grange Mutual offers the cheapest auto insurance rates at $749 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 Patchogue, Chubb is the cheapest car insurance provider. At $1067 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 Patchogue is Progressive, offering rates of around $6881 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1067	$178
Kemper	$1115	$189
Nationwide	$1438	$239
USAA	$1991	$339
NYCM	$2077	$346
Erie	$2252	$383
American Family	$2647	$442
Allstate	$2709	$456
State Farm	$2805	$472
Mercury	$3294	$560
Travelers	$3365	$567
Progressive	$6881	$1158

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

Car Insurance Rates with An Accident in East Patchogue

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

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

The cheapest car insurance companies after an at-fault accident in East Patchogue include Kemper and American Family, offering $616 and $632, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $766.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$616	$102
American Family	$632	$106
NYCM	$766	$129
Erie	$838	$142
Chubb	$924	$154
Progressive	$1011	$170
New York Central Mutual Fire	$1169	$196
USAA	$1256	$211
Nationwide	$1889	$315
Allstate	$1905	$321
State Farm	$2300	$387
Travelers	$2338	$394
Utica National	$758	$129
Preferred Mutual	$766	$128

East Patchogue Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in East Patchogue NY. For example, the car insurance in East Patchogue after a DUI increases to $949 for a six month policy. While the rate increases by $151 for a six-month policy in the case of a speeding ticket.

East Patchogue auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1666	$278
One Med/PIP claim	$1666	$283
One comp claim	$1682	$281
Two comp claims	$1698	$289
Two Med/PIP claims	$1698	$283
Not-at-fault accident	$1706	$290
Failure to show documents	$1730	$289
Failure to wear a seat belt	$1738	$295
Driving with expired registration	$1754	$293
At-fault accident - less than $1000	$1762	$299
Cell phone violation	$1762	$294
Child safety restraint	$1762	$299
Driving without lights	$1762	$294
Failure to stop at a red light	$1762	$299
Failure to yield	$1762	$294
Following too closely	$1762	$299
Illegal turn	$1762	$294
Improper passing	$1762	$299
Passing school bus	$1762	$294
Texting while driving	$1762	$299
Wrong way/wrong lane	$1762	$294
Driving too slowly	$1778	$302
Speeding in school zone	$1778	$297
At-fault accident - $1000-$2000	$1785	$303
Speeding 11 - 15 MPH over limit	$1817	$303
Speeding 6 - 10 MPH over limit	$1817	$309
Operating a vehicle without permission	$1849	$309
Open container	$1873	$318
In 65 MPH zone	$1951	$326
Speeding 16 - 20 MPH over limit	$1975	$336
Speeding 21 - 25 MPH over limit	$2046	$340
At-fault accident - greater than $2000	$2204	$375
Reckless driving	$2354	$392
Racing	$2449	$416
Driving with a suspended license	$2536	$423
Refusal to submit to a chemical test	$2591	$440
DUI	$2615	$436
Leaving scene of an accident/hit and run	$2655	$451

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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 Patchogue 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 Patchogue.

The cheapest car insurance premiums in East Patchogue are offered by American Family at $600 for a six-month policy. However, it can be as expensive as $2679 with companies like State Farm.

East Patchogue car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$600	$101
Kemper	$632	$108
Progressive	$766	$129
NYCM	$964	$162
New York Central Mutual Fire	$1422	$237
USAA	$1516	$255
Allstate	$2252	$379
Travelers	$2314	$390
Nationwide	$2346	$391
State Farm	$2679	$451

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 Patchogue are offered by American Family at $529. However, it can be as expensive as $2717 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in East Patchogue after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$529	$90
Kemper	$529	$88
Progressive	$656	$110
NYCM	$876	$146
USAA	$1193	$203
Nationwide	$1644	$274
State Farm	$1778	$302
Travelers	$2599	$434
Allstate	$2717	$462

Car Insurance Price Trends in East Patchogue, New York

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

The average cost of full coverage in the East Patchogue dipped by $329 in December compared to $330 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 Patchogue dipped to $113 in December, compared to $117 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 Patchogue?

The car insurance in East Patchogue is $59 per month, which is lower than the national average.

What is the cheapest car insurance in East Patchogue?

The cheapest car insurance in East Patchogue is $125 per month for full coverage.

How much is car insurance in East Patchogue for teenagers?

Car insurance for teenagers costs $497 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 Patchogue?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $230 per month to insure your car in East Patchogue.

Is car insurance expensive in East Patchogue?

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

Cheapest Car Insurance Quotes in East Patchogue

Why you can trust Way?

How Much Is Car Insurance in East Patchogue

Avg. Car Insurance in East Patchogue

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in East Patchogue

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

East Patchogue Car Insurance Rates by Company

Cheap Car Insurance Companies in East Patchogue, NY

Way's key takeaways about car insurance in East Patchogue

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in East Patchogue

Cheapest Liability Coverage in East Patchogue, NY

Cheapest Full Coverage Car Insurance in East Patchogue

Cheapest Full Coverage Car Insurance Quotes in East Patchogue, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in East Patchogue by Rating Factor

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

Car Insurance Premiums by Age in East Patchogue

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Patchogue

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

East Patchogue Car Insurance Rates by Violation

East Patchogue auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in East Patchogue after a DUI

East Patchogue car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in East Patchogue after Speeding ticket

Car Insurance Price Trends in East Patchogue, New York

Average Car Insurance Cost in East Patchogue by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near East Patchogue, NY

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

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