Cheapest Car Insurance Quotes in Elmira Heights

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Elmira Heights Car Insurance

^$ 31

/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 Elmira Heights

The car insurance rate in Elmira Heights is $731 for a six-month policy, which is $298 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $392, making it a popular choice for budget-conscious drivers. Rates in Elmira Heights 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 Elmira Heights

$731

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Elmira Heights

1st place: Kemper

At $392 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 $519 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $523 for six months, making it the third cheapest auto insurance company in Elmira Heights.

Elmira Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Elmira Heights, NY is Kemper, offering policies at just $392 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $519.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1092 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Elmira Heights drivers find the best deals.

Cheap Car Insurance Companies in Elmira Heights, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$392	$67
New York Central Mutual Fire	$519	$87
Progressive	$523	$88
American Family	$607	$102
NYCM	$637	$107
Erie	$763	$127
Nationwide	$768	$131
USAA	$772	$130
State Farm	$957	$161
Travelers	$1008	$170
Allstate	$1092	$184

Key Takeaways

Way's key takeaways about car insurance in Elmira Heights

The auto insurance costs in Elmira Heights fall around $392 for six months.
The cheapest auto insurance company in Elmira Heights is New York Central Mutual Fire.
Teen drivers pay the highest rate in Elmira Heights at $557 per month.

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Cheapest Minimum Liability Car Insurance in Elmira Heights

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 Elmira Heights are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Elmira Heights. Their Average 6 Month Premium is $185. Preferred Mutual is the most expensive at $489 for the same period.

Cheapest Liability Coverage in Elmira Heights, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$185	$31
NYCM	$194	$33
Kemper	$228	$38
Progressive	$270	$45
American Family	$274	$46
USAA	$333	$56
Nationwide	$354	$59
Erie	$447	$76
State Farm	$519	$87
Travelers	$557	$94
Allstate	$582	$98
Utica National	$405	$69
Preferred Mutual	$489	$82

Cheapest Full Coverage Car Insurance in Elmira Heights

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 Elmira Heights is Kemper at $67 per month and $392 for six months.

Cheapest Full Coverage Car Insurance Quotes in Elmira Heights, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$392	$67
New York Central Mutual Fire	$519	$87
Progressive	$523	$88
American Family	$607	$102
NYCM	$637	$107
Erie	$763	$127
Nationwide	$768	$131
USAA	$772	$130
State Farm	$957	$161
Travelers	$1008	$170
Allstate	$1092	$184

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Average Car Insurance in Elmira Heights 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 Elmira Heights, NY increasing?

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

Car Insurance Premiums by Age in Elmira Heights

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	$400
30s	National Grange Mutual	$285
40s	National Grange Mutual	$274
50s	National Grange Mutual	$278
60s	National Grange Mutual	$300
70s	National Grange Mutual	$411

Cheapest Car Insurance Rates for Teen Drivers in Elmira Heights,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Elmira Heights at $44 per month. At $3306 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$266	$44
American Family	$320	$54
NYCM	$535	$90
Progressive	$848	$143
New York Central Mutual Fire	$924	$154
USAA	$1695	$285
Nationwide	$2214	$369
Travelers	$2741	$462
Allstate	$2965	$499
State Farm	$3306	$557

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 Elmira Heights.

As young drivers face the highest rates in Elmira Heights, National Grange Mutual offers the cheapest auto insurance rates at $400 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 Elmira Heights, Chubb is the cheapest car insurance provider. At $569 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 Elmira Heights is Progressive, offering rates of around $3674 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$569	$95
Kemper	$595	$101
Nationwide	$768	$128
USAA	$1063	$181
NYCM	$1109	$185
Erie	$1202	$204
American Family	$1413	$236
Allstate	$1446	$244
State Farm	$1497	$252
Mercury	$1759	$299
Travelers	$1796	$302
Progressive	$3674	$618

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Car Insurance Rates with An Accident in Elmira Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in Elmira Heights

The cheapest car insurance companies after an at-fault accident in Elmira Heights include Kemper and American Family, offering $329 and $337, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $409.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$329	$55
American Family	$337	$57
NYCM	$409	$69
Erie	$447	$76
Chubb	$493	$82
Progressive	$540	$91
New York Central Mutual Fire	$624	$104
USAA	$670	$113
Nationwide	$1008	$168
Allstate	$1017	$171
State Farm	$1228	$207
Travelers	$1248	$210
Utica National	$405	$69
Preferred Mutual	$409	$68

Elmira Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Elmira Heights NY. For example, the car insurance in Elmira Heights after a DUI increases to $506 for a six month policy. While the rate increases by $80 for a six-month policy in the case of a speeding ticket.

Elmira Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$890	$148
One Med/PIP claim	$890	$151
One comp claim	$898	$150
Two comp claims	$907	$154
Two Med/PIP claims	$907	$151
Not-at-fault accident	$911	$155
Failure to show documents	$924	$154
Failure to wear a seat belt	$928	$158
Driving with expired registration	$936	$156
At-fault accident - less than $1000	$941	$160
Cell phone violation	$941	$157
Child safety restraint	$941	$160
Driving without lights	$941	$157
Failure to stop at a red light	$941	$160
Failure to yield	$941	$157
Following too closely	$941	$160
Illegal turn	$941	$157
Improper passing	$941	$160
Passing school bus	$941	$157
Texting while driving	$941	$160
Wrong way/wrong lane	$941	$157
Driving too slowly	$949	$161
Speeding in school zone	$949	$158
At-fault accident - $1000-$2000	$953	$162
Speeding 11 - 15 MPH over limit	$970	$162
Speeding 6 - 10 MPH over limit	$970	$165
Operating a vehicle without permission	$987	$165
Open container	$1000	$170
In 65 MPH zone	$1042	$174
Speeding 16 - 20 MPH over limit	$1054	$180
Speeding 21 - 25 MPH over limit	$1092	$182
At-fault accident - greater than $2000	$1176	$200
Reckless driving	$1257	$209
Racing	$1307	$222
Driving with a suspended license	$1354	$226
Refusal to submit to a chemical test	$1383	$235
DUI	$1396	$233
Leaving scene of an accident/hit and run	$1417	$241

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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 Elmira Heights 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 Elmira Heights.

The cheapest car insurance premiums in Elmira Heights are offered by American Family at $320 for a six-month policy. However, it can be as expensive as $1430 with companies like State Farm.

Elmira Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$320	$54
Kemper	$337	$58
Progressive	$409	$69
NYCM	$515	$87
New York Central Mutual Fire	$759	$126
USAA	$809	$136
Allstate	$1202	$202
Travelers	$1235	$208
Nationwide	$1252	$209
State Farm	$1430	$241

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 Elmira Heights are offered by American Family at $283. However, it can be as expensive as $1451 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Elmira Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$283	$48
Kemper	$283	$47
Progressive	$350	$59
NYCM	$468	$78
USAA	$637	$109
Nationwide	$878	$146
State Farm	$949	$161
Travelers	$1387	$231
Allstate	$1451	$246

Car Insurance Price Trends in Elmira Heights, New York

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

The average cost of full coverage in the Elmira Heights dipped by $175 in December compared to $176 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 Elmira Heights dipped to $60 in December, compared to $62 in November. This represents an decrease of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Elmira Heights?

The car insurance in Elmira Heights is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Elmira Heights?

The cheapest car insurance in Elmira Heights is $67 per month for full coverage.

How much is car insurance in Elmira Heights for teenagers?

Car insurance for teenagers costs $266 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 Elmira Heights?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $123 per month to insure your car in Elmira Heights.

Is car insurance expensive in Elmira Heights?

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

Cheapest Car Insurance Quotes in Elmira Heights

Why you can trust Way?

How Much Is Car Insurance in Elmira Heights

Avg. Car Insurance in Elmira Heights

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Elmira Heights

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Elmira Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Elmira Heights, NY

Way's key takeaways about car insurance in Elmira Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Elmira Heights

Cheapest Liability Coverage in Elmira Heights, NY

Cheapest Full Coverage Car Insurance in Elmira Heights

Cheapest Full Coverage Car Insurance Quotes in Elmira Heights, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Elmira Heights by Rating Factor

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

Car Insurance Premiums by Age in Elmira Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Elmira Heights,NY

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

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 Elmira Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Elmira Heights

Elmira Heights Car Insurance Rates by Violation

Elmira Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Elmira Heights after a DUI

Elmira Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Elmira Heights after Speeding ticket

Car Insurance Price Trends in Elmira Heights, New York

Average Car Insurance Cost in Elmira Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Elmira Heights, NY

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

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