Cheapest Car Insurance Quotes in Elmont

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Elmont Car Insurance

^$ 79

/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 Elmont

The car insurance rate in Elmont is $2084 for a six-month policy, which is $926 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $994, making it a popular choice for budget-conscious drivers. Rates in Elmont 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 Elmont

$2084

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Elmont

1st place: Kemper

At $994 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 $1316 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1400 for six months, making it the third cheapest auto insurance company in Elmont.

Elmont Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Elmont, NY is Kemper, offering policies at just $994 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1316.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $3197 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Elmont drivers find the best deals.

Cheap Car Insurance Companies in Elmont, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$994	$169
New York Central Mutual Fire	$1316	$220
Progressive	$1400	$236
American Family	$1539	$259
NYCM	$1861	$313
USAA	$2063	$347
Erie	$2106	$355
Nationwide	$2299	$383
Travelers	$2342	$394
State Farm	$2790	$470
Allstate	$3121	$526
Chubb	$3197	$533

Key Takeaways

Way's key takeaways about car insurance in Elmont

The auto insurance costs in Elmont fall around $994 for six months.
The cheapest auto insurance company in Elmont is New York Central Mutual Fire.
Teen drivers pay the highest rate in Elmont at $1607 per month.

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Cheapest Minimum Liability Car Insurance in Elmont

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 Elmont are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Elmont. Their Average 6 Month Premium is $470. Preferred Mutual is the most expensive at $1240 for the same period.

Cheapest Liability Coverage in Elmont, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$470	$79
NYCM	$556	$92
Kemper	$578	$99
American Family	$695	$117
Progressive	$716	$121
USAA	$920	$155
Erie	$1134	$193
Travelers	$1219	$203
Allstate	$1305	$221
State Farm	$1390	$232
Nationwide	$898	$149
Utica National	$1026	$175
Preferred Mutual	$1240	$207

Cheapest Full Coverage Car Insurance in Elmont

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 Elmont is Kemper at $169 per month and $994 for six months.

Cheapest Full Coverage Car Insurance Quotes in Elmont, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$994	$169
New York Central Mutual Fire	$1316	$220
Progressive	$1400	$236
American Family	$1539	$259
NYCM	$1861	$313
USAA	$2063	$347
Erie	$2106	$355
Nationwide	$2299	$383
Travelers	$2342	$394
State Farm	$2790	$470
Allstate	$3121	$526
Chubb	$3197	$533

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Average Car Insurance in Elmont 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 Elmont, NY increasing?

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

Car Insurance Premiums by Age in Elmont

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

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Cheapest Car Insurance Rates for Teen Drivers in Elmont,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Elmont at $115 per month. At $9547 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$673	$115
American Family	$812	$137
NYCM	$1796	$302
Progressive	$2214	$373
New York Central Mutual Fire	$2342	$398
Erie	$4502	$751
USAA	$4950	$833
Travelers	$6511	$1096
Nationwide	$6779	$1152
Chubb	$7099	$1183
Allstate	$8168	$1375
State Farm	$9547	$1607

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 Elmont, Kemper is the cheapest car insurance provider. At $1508 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 Elmont is Progressive, offering rates of around $9034 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1508	$252
Nationwide	$2299	$391
Chubb	$2727	$459
USAA	$3314	$563
Erie	$3528	$594
American Family	$3582	$608
NYCM	$4010	$668
Allstate	$4372	$736
Mercury	$4459	$743
State Farm	$4608	$776
Travelers	$5335	$898
Progressive	$9034	$1521

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Car Insurance Rates with An Accident in Elmont

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

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

The cheapest car insurance companies after an at-fault accident in Elmont include Kemper and American Family, offering $833 and $855, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $1037.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$833	$139
American Family	$855	$144
Progressive	$1316	$221
NYCM	$1337	$225
New York Central Mutual Fire	$1582	$265
USAA	$1796	$302
Erie	$2299	$387
Chubb	$2608	$439
Allstate	$2812	$473
Travelers	$2898	$488
Nationwide	$3037	$506
State Farm	$3550	$598
Utica National	$1026	$175
Preferred Mutual	$1037	$173

Elmont Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Elmont NY. For example, the car insurance in Elmont after a DUI increases to $1284 for a six month policy. While the rate increases by $204 for a six-month policy in the case of a speeding ticket.

Elmont auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2255	$376
One Med/PIP claim	$2255	$383
One comp claim	$2277	$380
Two comp claims	$2299	$391
Two Med/PIP claims	$2299	$383
Not-at-fault accident	$2309	$392
Failure to show documents	$2342	$391
Failure to wear a seat belt	$2353	$400
Driving with expired registration	$2374	$396
At-fault accident - less than $1000	$2385	$405
Cell phone violation	$2385	$398
Child safety restraint	$2385	$405
Driving without lights	$2385	$398
Failure to stop at a red light	$2385	$405
Failure to yield	$2385	$398
Following too closely	$2385	$405
Illegal turn	$2385	$398
Improper passing	$2385	$405
Passing school bus	$2385	$398
Texting while driving	$2385	$405
Wrong way/wrong lane	$2385	$398
Driving too slowly	$2407	$409
Speeding in school zone	$2407	$401
At-fault accident - $1000-$2000	$2416	$410
Speeding 11 - 15 MPH over limit	$2459	$410
Speeding 6 - 10 MPH over limit	$2459	$418
Operating a vehicle without permission	$2502	$418
Open container	$2534	$430
In 65 MPH zone	$2641	$441
Speeding 16 - 20 MPH over limit	$2673	$455
Speeding 21 - 25 MPH over limit	$2768	$461
At-fault accident - greater than $2000	$2983	$508
Reckless driving	$3186	$531
Racing	$3314	$563
Driving with a suspended license	$3433	$572
Refusal to submit to a chemical test	$3506	$596
DUI	$3539	$590
Leaving scene of an accident/hit and run	$3593	$610

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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 Elmont 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 Elmont.

The cheapest car insurance premiums in Elmont are offered by American Family at $812 for a six-month policy. However, it can be as expensive as $4010 with companies like Chubb.

Elmont car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$812	$137
Kemper	$855	$146
Progressive	$1102	$185
NYCM	$1669	$281
New York Central Mutual Fire	$1924	$320
USAA	$2192	$369
Travelers	$2866	$482
Allstate	$3389	$571
Erie	$3496	$583
Nationwide	$3796	$646
State Farm	$3989	$671
Chubb	$4010	$682

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 Elmont are offered by American Family at $716. However, it can be as expensive as $4565 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Elmont after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$716	$119
Kemper	$716	$122
Progressive	$1037	$175
NYCM	$1679	$286
USAA	$1946	$324
Erie	$2277	$387
Nationwide	$2299	$383
Travelers	$2651	$450
State Farm	$3208	$535
Chubb	$3796	$646
Allstate	$4565	$761

Car Insurance Price Trends in Elmont, New York

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

The average cost of full coverage in the Elmont rose by $495 in January compared to $445 of December. In other words, there has been an increase by $50 when you compare January and December.

The average cost of liability insurance in the Elmont dipped to $144 in January, compared to $153 in December. This represents an decrease of $9 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Elmont?

The car insurance in Elmont is $79 per month, which is lower than the national average.

What is the cheapest car insurance in Elmont?

The cheapest car insurance in Elmont is $169 per month for full coverage.

How much is car insurance in Elmont for teenagers?

Car insurance for teenagers costs $673 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 Elmont?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $349 per month to insure your car in Elmont.

Is car insurance expensive in Elmont?

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

Cheapest Car Insurance Quotes in Elmont

Why you can trust Way?

How Much Is Car Insurance in Elmont

Avg. Car Insurance in Elmont

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Elmont

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Elmont Car Insurance Rates by Company

Cheap Car Insurance Companies in Elmont, NY

Way's key takeaways about car insurance in Elmont

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Elmont

Cheapest Liability Coverage in Elmont, NY

Cheapest Full Coverage Car Insurance in Elmont

Cheapest Full Coverage Car Insurance Quotes in Elmont, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Elmont by Rating Factor

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

Car Insurance Premiums by Age in Elmont

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Elmont,NY

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

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 Elmont

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

Elmont Car Insurance Rates by Violation

Elmont auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Elmont after a DUI

Elmont car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Elmont after Speeding ticket

Car Insurance Price Trends in Elmont, New York

Average Car Insurance Cost in Elmont by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Elmont, NY

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

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