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Finding the cheapest car insurance quotes in Far Rockaway 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 Far Rockaway
The car insurance rate in Far Rockaway is $2315 for a six-month policy, which is $1286 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1242, making it a popular choice for budget-conscious drivers. Rates in Far Rockaway 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 $1242 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 $1645 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $1658
for six months, making it
the third cheapest auto insurance company in Far Rockaway.
Far Rockaway Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Far Rockaway, NY is Kemper, offering policies at just $1242 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1645.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $3461 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Far Rockaway drivers find the best deals.
Way's key takeaways about car insurance in Far Rockaway
The auto insurance costs in Far Rockaway fall around $1242 for six
months.
The cheapest auto insurance company in Far Rockaway is New York Central Mutual Fire.
Teen drivers pay the highest rate in Far Rockaway at $1764 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 Far Rockaway
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 Far Rockaway are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in Far Rockaway. Their Average 6 Month Premium is $587.
Preferred Mutual is the most
expensive at $1550 for the same
period.
Cheapest Full Coverage Car Insurance in Far Rockaway
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 Far Rockaway is Kemper
at $212 per month and $1242
for six months.
Cheapest Full Coverage Car Insurance Quotes in Far Rockaway,
NY
Get Your Car Insurance Quote in Far Rockaway
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Average Car Insurance in Far Rockaway 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 Far Rockaway, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Far Rockaway, 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, Far Rockaway's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Far Rockaway
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
$1267
30s
National Grange Mutual
$902
40s
National Grange Mutual
$869
50s
National Grange Mutual
$882
60s
National Grange Mutual
$950
70s
National Grange Mutual
$1303
Cheapest Car Insurance Rates for Teen Drivers in
Far Rockaway,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Far Rockaway at $140
per
month. At $10478 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 Far Rockaway.
As young drivers face the highest rates in Far Rockaway, National Grange Mutual
offers the cheapest auto insurance rates at $1267 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 Far Rockaway,
Chubb is
the cheapest car insurance provider. At $1805 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
Far Rockaway is Progressive, offering
rates of around $11642 for six
months.
Save up to $971/yr on car insurance rates in Far Rockaway.
Car Insurance Rates with An Accident in Far Rockaway
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 Far Rockaway, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Far Rockaway
The cheapest car insurance companies after an at-fault accident in
Far Rockaway include Kemper
and American Family, offering $1042
and $1069,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$1296.
Here is a list of driving violations that can increase your car
insurance rates in Far Rockaway NY. For example, the car
insurance in Far Rockaway
after a DUI increases to $1605 for a six
month policy. While the rate increases by $255 for a six-month policy in the case of
a speeding ticket.
Far Rockaway auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$2819
$470
One Med/PIP claim
$2819
$479
One comp claim
$2846
$475
Two comp claims
$2873
$488
Two Med/PIP claims
$2873
$479
Not-at-fault accident
$2887
$491
Failure to show documents
$2927
$488
Failure to wear a seat belt
$2941
$500
Driving with expired registration
$2968
$495
At-fault accident - less than $1000
$2981
$506
Cell phone violation
$2981
$497
Child safety restraint
$2981
$506
Driving without lights
$2981
$497
Failure to stop at a red light
$2981
$506
Failure to yield
$2981
$497
Following too closely
$2981
$506
Illegal turn
$2981
$497
Improper passing
$2981
$506
Passing school bus
$2981
$497
Texting while driving
$2981
$506
Wrong way/wrong lane
$2981
$497
Driving too slowly
$3008
$511
Speeding in school zone
$3008
$502
At-fault accident - $1000-$2000
$3020
$513
Speeding 11 - 15 MPH over limit
$3074
$513
Speeding 6 - 10 MPH over limit
$3074
$522
Operating a vehicle without permission
$3128
$522
Open container
$3168
$538
In 65 MPH zone
$3301
$551
Speeding 16 - 20 MPH over limit
$3341
$569
Speeding 21 - 25 MPH over limit
$3461
$576
At-fault accident - greater than $2000
$3728
$635
Reckless driving
$3983
$664
Racing
$4142
$704
Driving with a suspended license
$4291
$716
Refusal to submit to a chemical test
$4383
$745
DUI
$4424
$738
Leaving scene of an accident/hit and run
$4491
$763
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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 Far Rockaway 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 Far Rockaway.
The cheapest car insurance premiums in
Far Rockaway are
offered by American Family at $1015 for a six-month policy.
However, it can be as
expensive as $4532 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 Far Rockaway are offered by American Family
at $896. However,
it can be as expensive as $4597
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Far Rockaway after Speeding ticket
Car Insurance Price Trends in Far Rockaway,
New York
Car insurance rates in Far Rockaway have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Far Rockaway dipped by
$556 in December
compared to $558 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 Far Rockaway dipped to $191 in December,
compared to $198 in November.
This represents an decrease of $7
when comparing December and November.
Average Car Insurance Cost in Far Rockaway 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
Far Rockaway. At $4260 for a
six-month policy, insuring
your car at 11691 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 Far Rockaway?
The car insurance in Far Rockaway is $99 per month, which is higher than the national average.
What is the cheapest car insurance in Far Rockaway?
The cheapest car insurance in Far Rockaway
is $212 per month
for full coverage.
How much is car insurance in Far Rockaway for teenagers?
Car insurance for teenagers costs $842 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
Far Rockaway?
The average cost of car insurance is $1029 for a six-month
policy. It will cost around $389 per month to insure your
car in Far Rockaway.
Is car insurance expensive in Far Rockaway?
Car insurance can be expensive in Far Rockaway if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Far Rockaway can be
affordable.
What is the best car insurance in Far Rockaway,
NY?
The best car insurance company in Far Rockaway
NY is
Kemper, offering $1242 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Far Rockaway, NY
Car Insurance Rates by State in the USA (2025 Update)
Far Rockaway Car Insurance
