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Finding the cheapest car insurance quotes in Eastchester 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 Eastchester
The car insurance rate in Eastchester is $1255 for a six-month policy, which is $226 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $673, making it a popular choice for budget-conscious drivers. Rates in Eastchester 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.
At $673 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 $892 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $899
for six months, making it
the third cheapest auto insurance company in Eastchester.
Eastchester Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Eastchester, NY is Kemper, offering policies at just $673 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $892.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1876 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Eastchester drivers find the best deals.
Way's key takeaways about car insurance in Eastchester
The auto insurance costs in Eastchester fall around $673 for six
months.
The cheapest auto insurance company in Eastchester is New York Central Mutual Fire.
Teen drivers pay the highest rate in Eastchester at $956 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 Eastchester
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 Eastchester are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in Eastchester. Their Average 6 Month Premium is $318.
Preferred Mutual is the most
expensive at $841 for the same
period.
Cheapest Full Coverage Car Insurance in Eastchester
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 Eastchester is Kemper
at $115 per month and $673
for six months.
Cheapest Full Coverage Car Insurance Quotes in Eastchester,
NY
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Average Car Insurance in Eastchester 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 Eastchester, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Eastchester, 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, Eastchester's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Eastchester
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
$687
30s
National Grange Mutual
$489
40s
National Grange Mutual
$471
50s
National Grange Mutual
$478
60s
National Grange Mutual
$515
70s
National Grange Mutual
$706
Cheapest Car Insurance Rates for Teen Drivers in
Eastchester,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Eastchester at $76
per
month. At $5682 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 Eastchester.
As young drivers face the highest rates in Eastchester, National Grange Mutual
offers the cheapest auto insurance rates at $687 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 Eastchester,
Chubb is
the cheapest car insurance provider. At $978 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
Eastchester is Progressive, offering
rates of around $6312 for six
months.
Save up to $971/yr on car insurance rates in Eastchester.
Car Insurance Rates with An Accident in Eastchester
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 Eastchester, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Eastchester
The cheapest car insurance companies after an at-fault accident in
Eastchester include Kemper
and American Family, offering $565
and $580,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$703.
Here is a list of driving violations that can increase your car
insurance rates in Eastchester NY. For example, the car
insurance in Eastchester
after a DUI increases to $870 for a six
month policy. While the rate increases by $138 for a six-month policy in the case of
a speeding ticket.
Eastchester auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1529
$255
One Med/PIP claim
$1529
$260
One comp claim
$1543
$257
Two comp claims
$1558
$265
Two Med/PIP claims
$1558
$260
Not-at-fault accident
$1565
$266
Failure to show documents
$1587
$265
Failure to wear a seat belt
$1595
$271
Driving with expired registration
$1609
$268
At-fault accident - less than $1000
$1617
$275
Cell phone violation
$1617
$270
Child safety restraint
$1617
$275
Driving without lights
$1617
$270
Failure to stop at a red light
$1617
$275
Failure to yield
$1617
$270
Following too closely
$1617
$275
Illegal turn
$1617
$270
Improper passing
$1617
$275
Passing school bus
$1617
$270
Texting while driving
$1617
$275
Wrong way/wrong lane
$1617
$270
Driving too slowly
$1631
$277
Speeding in school zone
$1631
$272
At-fault accident - $1000-$2000
$1637
$278
Speeding 11 - 15 MPH over limit
$1667
$278
Speeding 6 - 10 MPH over limit
$1667
$283
Operating a vehicle without permission
$1696
$283
Open container
$1718
$292
In 65 MPH zone
$1790
$299
Speeding 16 - 20 MPH over limit
$1812
$309
Speeding 21 - 25 MPH over limit
$1876
$312
At-fault accident - greater than $2000
$2022
$344
Reckless driving
$2159
$360
Racing
$2246
$382
Driving with a suspended license
$2327
$388
Refusal to submit to a chemical test
$2377
$404
DUI
$2399
$400
Leaving scene of an accident/hit and run
$2435
$414
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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 Eastchester 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 Eastchester.
The cheapest car insurance premiums in
Eastchester are
offered by American Family at $550 for a six-month policy.
However, it can be as
expensive as $2457 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 Eastchester are offered by American Family
at $486. However,
it can be as expensive as $2492
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Eastchester after Speeding ticket
Car Insurance Price Trends in Eastchester,
New York
Car insurance rates in Eastchester have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Eastchester dipped by
$301 in December
compared to $303 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 Eastchester dipped to $104 in December,
compared to $107 in November.
This represents an decrease of $3
when comparing December and November.
Average Car Insurance Cost in Eastchester 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
Eastchester. At $2510 for a
six-month policy, insuring
your car at 10709 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 Eastchester?
The car insurance in Eastchester is $54 per month, which is lower than the national average.
What is the cheapest car insurance in Eastchester?
The cheapest car insurance in Eastchester
is $115 per month
for full coverage.
How much is car insurance in Eastchester for teenagers?
Car insurance for teenagers costs $456 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
Eastchester?
The average cost of car insurance is $1029 for a six-month
policy. It will cost around $211 per month to insure your
car in Eastchester.
Is car insurance expensive in Eastchester?
Car insurance can be expensive in Eastchester if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Eastchester can be
affordable.
What is the best car insurance in Eastchester,
NY?
The best car insurance company in Eastchester
NY is
Kemper, offering $673 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Eastchester, NY
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Eastchester Car Insurance
