Cheapest Car Insurance Quotes in Ellenville

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Ellenville Car Insurance

^$ 47

/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 Ellenville

The car insurance rate in Ellenville is $1101 for a six-month policy, which is $72 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $591, making it a popular choice for budget-conscious drivers. Rates in Ellenville 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 Ellenville

$1101

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Ellenville

1st place: Kemper

At $591 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 $782 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $789 for six months, making it the third cheapest auto insurance company in Ellenville.

Ellenville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ellenville, NY is Kemper, offering policies at just $591 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $782.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1646 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ellenville drivers find the best deals.

Cheap Car Insurance Companies in Ellenville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$591	$101
New York Central Mutual Fire	$782	$131
Progressive	$789	$133
American Family	$915	$154
NYCM	$960	$162
Erie	$1150	$192
Nationwide	$1157	$197
USAA	$1163	$196
State Farm	$1442	$243
Travelers	$1519	$256
Allstate	$1646	$277

Key Takeaways

Way's key takeaways about car insurance in Ellenville

The auto insurance costs in Ellenville fall around $591 for six months.
The cheapest auto insurance company in Ellenville is New York Central Mutual Fire.
Teen drivers pay the highest rate in Ellenville at $839 per month.

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Cheapest Minimum Liability Car Insurance in Ellenville

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 Ellenville are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Ellenville. Their Average 6 Month Premium is $279. Preferred Mutual is the most expensive at $737 for the same period.

Cheapest Liability Coverage in Ellenville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$279	$47
NYCM	$292	$49
Kemper	$343	$57
Progressive	$407	$68
American Family	$413	$70
USAA	$502	$85
Nationwide	$534	$89
Erie	$674	$114
State Farm	$782	$132
Travelers	$839	$141
Allstate	$877	$148
Utica National	$610	$104
Preferred Mutual	$737	$123

Cheapest Full Coverage Car Insurance in Ellenville

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 Ellenville is Kemper at $101 per month and $591 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ellenville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$591	$101
New York Central Mutual Fire	$782	$131
Progressive	$789	$133
American Family	$915	$154
NYCM	$960	$162
Erie	$1150	$192
Nationwide	$1157	$197
USAA	$1163	$196
State Farm	$1442	$243
Travelers	$1519	$256
Allstate	$1646	$277

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Average Car Insurance in Ellenville 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 Ellenville, NY increasing?

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

Car Insurance Premiums by Age in Ellenville

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	$602
30s	National Grange Mutual	$429
40s	National Grange Mutual	$413
50s	National Grange Mutual	$419
60s	National Grange Mutual	$452
70s	National Grange Mutual	$620

Cheapest Car Insurance Rates for Teen Drivers in Ellenville,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Ellenville at $66 per month. At $4983 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$400	$66
American Family	$483	$81
NYCM	$807	$136
Progressive	$1278	$215
New York Central Mutual Fire	$1392	$232
USAA	$2555	$430
Nationwide	$3337	$556
Travelers	$4131	$696
Allstate	$4468	$752
State Farm	$4983	$839

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 Ellenville.

As young drivers face the highest rates in Ellenville, National Grange Mutual offers the cheapest auto insurance rates at $602 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 Ellenville, Chubb is the cheapest car insurance provider. At $858 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 Ellenville is Progressive, offering rates of around $5536 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$858	$143
Kemper	$897	$152
Nationwide	$1157	$193
USAA	$1602	$273
NYCM	$1671	$278
Erie	$1812	$308
American Family	$2129	$355
Allstate	$2180	$367
State Farm	$2257	$380
Mercury	$2650	$450
Travelers	$2707	$456
Progressive	$5536	$932

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Car Insurance Rates with An Accident in Ellenville

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

Cheapest Car Insurance Companies after an At-Fault Accident in Ellenville

The cheapest car insurance companies after an at-fault accident in Ellenville include Kemper and American Family, offering $495 and $508, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $616.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$495	$82
American Family	$508	$86
NYCM	$616	$104
Erie	$674	$114
Chubb	$744	$124
Progressive	$813	$137
New York Central Mutual Fire	$941	$157
USAA	$1010	$170
Nationwide	$1519	$254
Allstate	$1532	$258
State Farm	$1850	$311
Travelers	$1881	$317
Utica National	$610	$104
Preferred Mutual	$616	$103

Ellenville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ellenville NY. For example, the car insurance in Ellenville after a DUI increases to $763 for a six month policy. While the rate increases by $121 for a six-month policy in the case of a speeding ticket.

Ellenville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1341	$224
One Med/PIP claim	$1341	$228
One comp claim	$1354	$226
Two comp claims	$1366	$232
Two Med/PIP claims	$1366	$228
Not-at-fault accident	$1373	$233
Failure to show documents	$1392	$232
Failure to wear a seat belt	$1398	$238
Driving with expired registration	$1411	$235
At-fault accident - less than $1000	$1418	$241
Cell phone violation	$1418	$236
Child safety restraint	$1418	$241
Driving without lights	$1418	$236
Failure to stop at a red light	$1418	$241
Failure to yield	$1418	$236
Following too closely	$1418	$241
Illegal turn	$1418	$236
Improper passing	$1418	$241
Passing school bus	$1418	$236
Texting while driving	$1418	$241
Wrong way/wrong lane	$1418	$236
Driving too slowly	$1431	$243
Speeding in school zone	$1431	$239
At-fault accident - $1000-$2000	$1436	$244
Speeding 11 - 15 MPH over limit	$1462	$244
Speeding 6 - 10 MPH over limit	$1462	$248
Operating a vehicle without permission	$1487	$248
Open container	$1507	$256
In 65 MPH zone	$1570	$262
Speeding 16 - 20 MPH over limit	$1589	$271
Speeding 21 - 25 MPH over limit	$1646	$274
At-fault accident - greater than $2000	$1773	$302
Reckless driving	$1894	$316
Racing	$1970	$335
Driving with a suspended license	$2040	$340
Refusal to submit to a chemical test	$2084	$354
DUI	$2104	$351
Leaving scene of an accident/hit and run	$2136	$363

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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 Ellenville 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 Ellenville.

The cheapest car insurance premiums in Ellenville are offered by American Family at $483 for a six-month policy. However, it can be as expensive as $2155 with companies like State Farm.

Ellenville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$483	$81
Kemper	$508	$87
Progressive	$616	$104
NYCM	$776	$131
New York Central Mutual Fire	$1144	$190
USAA	$1220	$205
Allstate	$1812	$305
Travelers	$1862	$314
Nationwide	$1887	$315
State Farm	$2155	$363

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 Ellenville are offered by American Family at $426. However, it can be as expensive as $2186 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Ellenville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$426	$73
Kemper	$426	$71
Progressive	$528	$89
NYCM	$705	$118
USAA	$960	$164
Nationwide	$1323	$220
State Farm	$1431	$243
Travelers	$2091	$349
Allstate	$2186	$371

Car Insurance Price Trends in Ellenville, New York

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

The average cost of full coverage in the Ellenville dipped by $264 in December compared to $265 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 Ellenville dipped to $91 in December, compared to $94 in November. This represents an decrease of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Ellenville?

The car insurance in Ellenville is $47 per month, which is lower than the national average.

What is the cheapest car insurance in Ellenville?

The cheapest car insurance in Ellenville is $101 per month for full coverage.

How much is car insurance in Ellenville for teenagers?

Car insurance for teenagers costs $400 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 Ellenville?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $185 per month to insure your car in Ellenville.

Is car insurance expensive in Ellenville?

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

Cheapest Car Insurance Quotes in Ellenville

Why you can trust Way?

How Much Is Car Insurance in Ellenville

Avg. Car Insurance in Ellenville

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Ellenville

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Ellenville Car Insurance Rates by Company

Cheap Car Insurance Companies in Ellenville, NY

Way's key takeaways about car insurance in Ellenville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ellenville

Cheapest Liability Coverage in Ellenville, NY

Cheapest Full Coverage Car Insurance in Ellenville

Cheapest Full Coverage Car Insurance Quotes in Ellenville, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ellenville by Rating Factor

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

Car Insurance Premiums by Age in Ellenville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ellenville,NY

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

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 Ellenville

Cheapest Car Insurance Companies after an At-Fault Accident in Ellenville

Ellenville Car Insurance Rates by Violation

Ellenville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ellenville after a DUI

Ellenville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ellenville after Speeding ticket

Car Insurance Price Trends in Ellenville, New York

Average Car Insurance Cost in Ellenville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ellenville, NY

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

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