Cheapest Car Insurance Quotes in Farmingdale

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Farmingdale Car Insurance

^$ 65

/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 Farmingdale

The car insurance rate in Farmingdale is $1513 for a six-month policy, which is $484 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $811, making it a popular choice for budget-conscious drivers. Rates in Farmingdale 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 Farmingdale

$1513

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Farmingdale

1st place: Kemper

At $811 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 $1075 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1083 for six months, making it the third cheapest auto insurance company in Farmingdale.

Farmingdale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Farmingdale, NY is Kemper, offering policies at just $811 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1075.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2261 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Farmingdale drivers find the best deals.

Cheap Car Insurance Companies in Farmingdale, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$811	$138
New York Central Mutual Fire	$1075	$179
Progressive	$1083	$182
American Family	$1257	$212
NYCM	$1319	$222
Erie	$1580	$263
Nationwide	$1589	$270
USAA	$1598	$269
State Farm	$1982	$334
Travelers	$2087	$351
Allstate	$2261	$381

Key Takeaways

Way's key takeaways about car insurance in Farmingdale

The auto insurance costs in Farmingdale fall around $811 for six months.
The cheapest auto insurance company in Farmingdale is New York Central Mutual Fire.
Teen drivers pay the highest rate in Farmingdale at $1152 per month.

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Cheapest Minimum Liability Car Insurance in Farmingdale

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 Farmingdale are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Farmingdale. Their Average 6 Month Premium is $384. Preferred Mutual is the most expensive at $1013 for the same period.

Cheapest Liability Coverage in Farmingdale, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$384	$65
NYCM	$401	$68
Kemper	$472	$78
Progressive	$559	$94
American Family	$567	$96
USAA	$689	$116
Nationwide	$734	$122
Erie	$926	$157
State Farm	$1075	$181
Travelers	$1152	$194
Allstate	$1205	$203
Utica National	$838	$143
Preferred Mutual	$1013	$169

Cheapest Full Coverage Car Insurance in Farmingdale

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 Farmingdale is Kemper at $138 per month and $811 for six months.

Cheapest Full Coverage Car Insurance Quotes in Farmingdale, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$811	$138
New York Central Mutual Fire	$1075	$179
Progressive	$1083	$182
American Family	$1257	$212
NYCM	$1319	$222
Erie	$1580	$263
Nationwide	$1589	$270
USAA	$1598	$269
State Farm	$1982	$334
Travelers	$2087	$351
Allstate	$2261	$381

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Average Car Insurance in Farmingdale 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 Farmingdale, NY increasing?

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

Car Insurance Premiums by Age in Farmingdale

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	$828
30s	National Grange Mutual	$589
40s	National Grange Mutual	$567
50s	National Grange Mutual	$576
60s	National Grange Mutual	$620
70s	National Grange Mutual	$851

Cheapest Car Insurance Rates for Teen Drivers in Farmingdale,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Farmingdale at $91 per month. At $6846 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$550	$91
American Family	$663	$112
NYCM	$1108	$187
Progressive	$1755	$295
New York Central Mutual Fire	$1912	$319
USAA	$3510	$591
Nationwide	$4585	$764
Travelers	$5676	$956
Allstate	$6139	$1033
State Farm	$6846	$1152

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 Farmingdale.

As young drivers face the highest rates in Farmingdale, National Grange Mutual offers the cheapest auto insurance rates at $828 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 Farmingdale, Chubb is the cheapest car insurance provider. At $1179 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 Farmingdale is Progressive, offering rates of around $7606 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1179	$197
Kemper	$1232	$209
Nationwide	$1589	$265
USAA	$2201	$375
NYCM	$2296	$382
Erie	$2489	$423
American Family	$2925	$488
Allstate	$2994	$504
State Farm	$3100	$522
Mercury	$3641	$619
Travelers	$3719	$626
Progressive	$7606	$1280

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Car Insurance Rates with An Accident in Farmingdale

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

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

The cheapest car insurance companies after an at-fault accident in Farmingdale include Kemper and American Family, offering $681 and $698, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $847.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$681	$113
American Family	$698	$118
NYCM	$847	$143
Erie	$926	$157
Chubb	$1022	$171
Progressive	$1117	$188
New York Central Mutual Fire	$1292	$216
USAA	$1388	$234
Nationwide	$2087	$348
Allstate	$2105	$354
State Farm	$2542	$428
Travelers	$2584	$435
Utica National	$838	$143
Preferred Mutual	$847	$141

Farmingdale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Farmingdale NY. For example, the car insurance in Farmingdale after a DUI increases to $1048 for a six month policy. While the rate increases by $166 for a six-month policy in the case of a speeding ticket.

Farmingdale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1842	$307
One Med/PIP claim	$1842	$313
One comp claim	$1860	$310
Two comp claims	$1877	$319
Two Med/PIP claims	$1877	$313
Not-at-fault accident	$1886	$320
Failure to show documents	$1912	$319
Failure to wear a seat belt	$1921	$326
Driving with expired registration	$1939	$323
At-fault accident - less than $1000	$1948	$331
Cell phone violation	$1948	$325
Child safety restraint	$1948	$331
Driving without lights	$1948	$325
Failure to stop at a red light	$1948	$331
Failure to yield	$1948	$325
Following too closely	$1948	$331
Illegal turn	$1948	$325
Improper passing	$1948	$331
Passing school bus	$1948	$325
Texting while driving	$1948	$331
Wrong way/wrong lane	$1948	$325
Driving too slowly	$1965	$334
Speeding in school zone	$1965	$328
At-fault accident - $1000-$2000	$1973	$335
Speeding 11 - 15 MPH over limit	$2008	$335
Speeding 6 - 10 MPH over limit	$2008	$341
Operating a vehicle without permission	$2043	$341
Open container	$2070	$351
In 65 MPH zone	$2156	$360
Speeding 16 - 20 MPH over limit	$2183	$372
Speeding 21 - 25 MPH over limit	$2261	$376
At-fault accident - greater than $2000	$2436	$415
Reckless driving	$2602	$434
Racing	$2706	$460
Driving with a suspended license	$2803	$467
Refusal to submit to a chemical test	$2864	$487
DUI	$2890	$482
Leaving scene of an accident/hit and run	$2934	$498

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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 Farmingdale 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 Farmingdale.

The cheapest car insurance premiums in Farmingdale are offered by American Family at $663 for a six-month policy. However, it can be as expensive as $2961 with companies like State Farm.

Farmingdale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$663	$112
Kemper	$698	$119
Progressive	$847	$143
NYCM	$1066	$179
New York Central Mutual Fire	$1571	$262
USAA	$1676	$282
Allstate	$2489	$419
Travelers	$2558	$431
Nationwide	$2593	$432
State Farm	$2961	$498

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 Farmingdale are offered by American Family at $585. However, it can be as expensive as $3003 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Farmingdale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$585	$100
Kemper	$585	$97
Progressive	$725	$122
NYCM	$969	$162
USAA	$1319	$225
Nationwide	$1817	$303
State Farm	$1965	$334
Travelers	$2872	$479
Allstate	$3003	$510

Car Insurance Price Trends in Farmingdale, New York

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

The average cost of full coverage in the Farmingdale dipped by $363 in December compared to $365 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 Farmingdale dipped to $125 in December, compared to $129 in November. This represents an decrease of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Farmingdale?

The car insurance in Farmingdale is $65 per month, which is lower than the national average.

What is the cheapest car insurance in Farmingdale?

The cheapest car insurance in Farmingdale is $138 per month for full coverage.

How much is car insurance in Farmingdale for teenagers?

Car insurance for teenagers costs $550 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 Farmingdale?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $254 per month to insure your car in Farmingdale.

Is car insurance expensive in Farmingdale?

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

Cheapest Car Insurance Quotes in Farmingdale

Why you can trust Way?

How Much Is Car Insurance in Farmingdale

Avg. Car Insurance in Farmingdale

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Farmingdale

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Farmingdale Car Insurance Rates by Company

Cheap Car Insurance Companies in Farmingdale, NY

Way's key takeaways about car insurance in Farmingdale

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Farmingdale

Cheapest Liability Coverage in Farmingdale, NY

Cheapest Full Coverage Car Insurance in Farmingdale

Cheapest Full Coverage Car Insurance Quotes in Farmingdale, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Farmingdale by Rating Factor

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

Car Insurance Premiums by Age in Farmingdale

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Farmingdale,NY

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

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 Farmingdale

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

Farmingdale Car Insurance Rates by Violation

Farmingdale auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Farmingdale after a DUI

Farmingdale car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Farmingdale after Speeding ticket

Car Insurance Price Trends in Farmingdale, New York

Average Car Insurance Cost in Farmingdale by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Farmingdale, NY

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

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