Cheapest Car Insurance Quotes in Eatons Neck

Finding the cheapest car insurance quotes in Eatons Neck 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.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Eatons Neck 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 Eatons Neck

The car insurance rate in Eatons Neck is $1610 for a six-month policy, which is $452 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 Eatons Neck 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 Eatons Neck

$1610

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Eatons Neck

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 $1081 for six months, making it the third cheapest auto insurance company in Eatons Neck.

Eatons Neck Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Eatons Neck, 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, Chubb is the most expensive, with rates reaching $2469 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Eatons Neck drivers find the best deals.

Cheap Car Insurance Companies in Eatons Neck, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$767	$131
New York Central Mutual Fire	$1016	$170
Progressive	$1081	$182
American Family	$1188	$200
NYCM	$1437	$242
USAA	$1593	$268
Erie	$1626	$274
Nationwide	$1775	$296
Travelers	$1808	$304
State Farm	$2155	$363
Allstate	$2410	$406
Chubb	$2469	$411

Key Takeaways

Way's key takeaways about car insurance in Eatons Neck

The auto insurance costs in Eatons Neck fall around $767 for six months.
The cheapest auto insurance company in Eatons Neck is New York Central Mutual Fire.
Teen drivers pay the highest rate in Eatons Neck at $1241 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 Eatons Neck

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 Eatons Neck are given below.

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

Cheapest Liability Coverage in Eatons Neck, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$363	$61
NYCM	$430	$71
Kemper	$446	$76
American Family	$537	$90
Progressive	$553	$93
USAA	$710	$120
Erie	$876	$149
Travelers	$941	$157
Allstate	$1008	$171
State Farm	$1073	$179
Nationwide	$694	$115
Utica National	$792	$135
Preferred Mutual	$958	$160

Cheapest Full Coverage Car Insurance in Eatons Neck

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

Cheapest Full Coverage Car Insurance Quotes in Eatons Neck, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$767	$131
New York Central Mutual Fire	$1016	$170
Progressive	$1081	$182
American Family	$1188	$200
NYCM	$1437	$242
USAA	$1593	$268
Erie	$1626	$274
Nationwide	$1775	$296
Travelers	$1808	$304
State Farm	$2155	$363
Allstate	$2410	$406
Chubb	$2469	$411

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Eatons Neck Instantly!

Average Car Insurance in Eatons Neck 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 Eatons Neck, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Eatons Neck, 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, Eatons Neck's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Eatons Neck

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Eatons Neck,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Eatons Neck at $89 per month. At $7373 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	$89
American Family	$627	$106
NYCM	$1387	$234
Progressive	$1710	$288
New York Central Mutual Fire	$1808	$307
Erie	$3476	$580
USAA	$3822	$644
Travelers	$5028	$847
Nationwide	$5235	$890
Chubb	$5482	$913
Allstate	$6308	$1062
State Farm	$7373	$1241

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 Eatons Neck, Kemper is the cheapest car insurance provider. At $1165 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 Eatons Neck is Progressive, offering rates of around $6976 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1165	$195
Nationwide	$1775	$302
Chubb	$2106	$354
USAA	$2559	$435
Erie	$2724	$459
American Family	$2766	$470
NYCM	$3097	$516
Allstate	$3376	$569
Mercury	$3443	$574
State Farm	$3558	$599
Travelers	$4120	$694
Progressive	$6976	$1175

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Eatons Neck.

Car Insurance Rates with An Accident in Eatons Neck

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

Cheapest Car Insurance Companies after an At-Fault Accident in Eatons Neck

The cheapest car insurance companies after an at-fault accident in Eatons Neck 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
Progressive	$1016	$171
NYCM	$1033	$174
New York Central Mutual Fire	$1222	$204
USAA	$1387	$234
Erie	$1775	$299
Chubb	$2014	$339
Allstate	$2171	$366
Travelers	$2238	$377
Nationwide	$2345	$391
State Farm	$2741	$461
Utica National	$792	$135
Preferred Mutual	$801	$133

Eatons Neck Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Eatons Neck NY. For example, the car insurance in Eatons Neck 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.

Eatons Neck 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

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Eatons Neck 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 Eatons Neck.

The cheapest car insurance premiums in Eatons Neck are offered by American Family at $627 for a six-month policy. However, it can be as expensive as $3097 with companies like Chubb.

Eatons Neck car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$627	$106
Kemper	$660	$113
Progressive	$851	$143
NYCM	$1289	$217
New York Central Mutual Fire	$1486	$247
USAA	$1693	$285
Travelers	$2213	$373
Allstate	$2617	$441
Erie	$2699	$450
Nationwide	$2932	$499
State Farm	$3080	$518
Chubb	$3097	$527

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 Eatons Neck are offered by American Family at $553. However, it can be as expensive as $3525 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Eatons Neck after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$553	$92
Kemper	$553	$95
Progressive	$801	$135
NYCM	$1297	$221
USAA	$1503	$250
Erie	$1758	$299
Nationwide	$1775	$296
Travelers	$2047	$348
State Farm	$2477	$413
Chubb	$2932	$499
Allstate	$3525	$588

Car Insurance Price Trends in Eatons Neck, New York

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

The average cost of full coverage in the Eatons Neck rose by $382 in January compared to $343 of December. In other words, there has been an increase by $39 when you compare January and December.

The average cost of liability insurance in the Eatons Neck dipped to $111 in January, compared to $118 in December. This represents an decrease of $7 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Eatons Neck?

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

What is the cheapest car insurance in Eatons Neck?

The cheapest car insurance in Eatons Neck is $131 per month for full coverage.

How much is car insurance in Eatons Neck 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 Eatons Neck?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $270 per month to insure your car in Eatons Neck.

Is car insurance expensive in Eatons Neck?

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

Cheapest Car Insurance Quotes in Eatons Neck

Why you can trust Way?

How Much Is Car Insurance in Eatons Neck

Avg. Car Insurance in Eatons Neck

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Eatons Neck

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Eatons Neck Car Insurance Rates by Company

Cheap Car Insurance Companies in Eatons Neck, NY

Way's key takeaways about car insurance in Eatons Neck

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Eatons Neck

Cheapest Liability Coverage in Eatons Neck, NY

Cheapest Full Coverage Car Insurance in Eatons Neck

Cheapest Full Coverage Car Insurance Quotes in Eatons Neck, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Eatons Neck by Rating Factor

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

Car Insurance Premiums by Age in Eatons Neck

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Eatons Neck,NY

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

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 Eatons Neck

Cheapest Car Insurance Companies after an At-Fault Accident in Eatons Neck

Eatons Neck Car Insurance Rates by Violation

Eatons Neck auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Eatons Neck after a DUI

Eatons Neck car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Eatons Neck after Speeding ticket

Car Insurance Price Trends in Eatons Neck, New York

Average Car Insurance Cost in Eatons Neck by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Eatons Neck, NY

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

Featured Blogs

Data Sources