Cheapest Car Insurance Quotes in Farmingville

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Farmingville Car Insurance

^$ 60

/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 Farmingville

The car insurance rate in Farmingville is $1399 for a six-month policy, which is $370 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $751, making it a popular choice for budget-conscious drivers. Rates in Farmingville 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 Farmingville

$1399

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Farmingville

1st place: Kemper

At $751 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 $994 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1002 for six months, making it the third cheapest auto insurance company in Farmingville.

Farmingville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Farmingville, NY is Kemper, offering policies at just $751 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $994.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2092 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Farmingville drivers find the best deals.

Cheap Car Insurance Companies in Farmingville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$751	$128
New York Central Mutual Fire	$994	$166
Progressive	$1002	$169
American Family	$1163	$196
NYCM	$1220	$205
Erie	$1462	$243
Nationwide	$1470	$250
USAA	$1478	$249
State Farm	$1833	$309
Travelers	$1931	$325
Allstate	$2092	$352

Key Takeaways

Way's key takeaways about car insurance in Farmingville

The auto insurance costs in Farmingville fall around $751 for six months.
The cheapest auto insurance company in Farmingville is New York Central Mutual Fire.
Teen drivers pay the highest rate in Farmingville at $1066 per month.

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Cheapest Minimum Liability Car Insurance in Farmingville

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 Farmingville are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Farmingville. Their Average 6 Month Premium is $355. Preferred Mutual is the most expensive at $937 for the same period.

Cheapest Liability Coverage in Farmingville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$355	$60
NYCM	$371	$63
Kemper	$437	$72
Progressive	$517	$87
American Family	$525	$88
USAA	$638	$107
Nationwide	$679	$113
Erie	$857	$146
State Farm	$994	$167
Travelers	$1066	$180
Allstate	$1115	$188
Utica National	$775	$132
Preferred Mutual	$937	$156

Cheapest Full Coverage Car Insurance in Farmingville

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 Farmingville is Kemper at $128 per month and $751 for six months.

Cheapest Full Coverage Car Insurance Quotes in Farmingville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$751	$128
New York Central Mutual Fire	$994	$166
Progressive	$1002	$169
American Family	$1163	$196
NYCM	$1220	$205
Erie	$1462	$243
Nationwide	$1470	$250
USAA	$1478	$249
State Farm	$1833	$309
Travelers	$1931	$325
Allstate	$2092	$352

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Average Car Insurance in Farmingville 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 Farmingville, NY increasing?

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

Car Insurance Premiums by Age in Farmingville

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	$766
30s	National Grange Mutual	$545
40s	National Grange Mutual	$525
50s	National Grange Mutual	$533
60s	National Grange Mutual	$574
70s	National Grange Mutual	$787

Cheapest Car Insurance Rates for Teen Drivers in Farmingville,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Farmingville at $84 per month. At $6334 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$509	$84
American Family	$613	$103
NYCM	$1025	$173
Progressive	$1624	$273
New York Central Mutual Fire	$1769	$295
USAA	$3248	$547
Nationwide	$4242	$707
Travelers	$5251	$884
Allstate	$5679	$956
State Farm	$6334	$1066

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 Farmingville.

As young drivers face the highest rates in Farmingville, National Grange Mutual offers the cheapest auto insurance rates at $766 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 Farmingville, Chubb is the cheapest car insurance provider. At $1091 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 Farmingville is Progressive, offering rates of around $7037 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1091	$182
Kemper	$1140	$193
Nationwide	$1470	$245
USAA	$2036	$347
NYCM	$2124	$354
Erie	$2302	$392
American Family	$2706	$452
Allstate	$2770	$466
State Farm	$2868	$483
Mercury	$3369	$573
Travelers	$3441	$579
Progressive	$7037	$1185

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Save up to $971/yr on car insurance rates in Farmingville.

Car Insurance Rates with An Accident in Farmingville

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

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

The cheapest car insurance companies after an at-fault accident in Farmingville include Kemper and American Family, offering $630 and $646, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $783.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$630	$105
American Family	$646	$109
NYCM	$783	$132
Erie	$857	$146
Chubb	$945	$158
Progressive	$1034	$174
New York Central Mutual Fire	$1195	$200
USAA	$1284	$216
Nationwide	$1931	$322
Allstate	$1948	$328
State Farm	$2351	$396
Travelers	$2391	$403
Utica National	$775	$132
Preferred Mutual	$783	$131

Farmingville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Farmingville NY. For example, the car insurance in Farmingville after a DUI increases to $970 for a six month policy. While the rate increases by $154 for a six-month policy in the case of a speeding ticket.

Farmingville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1704	$284
One Med/PIP claim	$1704	$290
One comp claim	$1720	$287
Two comp claims	$1737	$295
Two Med/PIP claims	$1737	$290
Not-at-fault accident	$1745	$296
Failure to show documents	$1769	$295
Failure to wear a seat belt	$1778	$302
Driving with expired registration	$1794	$299
At-fault accident - less than $1000	$1802	$306
Cell phone violation	$1802	$301
Child safety restraint	$1802	$306
Driving without lights	$1802	$301
Failure to stop at a red light	$1802	$306
Failure to yield	$1802	$301
Following too closely	$1802	$306
Illegal turn	$1802	$301
Improper passing	$1802	$306
Passing school bus	$1802	$301
Texting while driving	$1802	$306
Wrong way/wrong lane	$1802	$301
Driving too slowly	$1818	$309
Speeding in school zone	$1818	$303
At-fault accident - $1000-$2000	$1825	$310
Speeding 11 - 15 MPH over limit	$1858	$310
Speeding 6 - 10 MPH over limit	$1858	$316
Operating a vehicle without permission	$1890	$316
Open container	$1915	$325
In 65 MPH zone	$1995	$333
Speeding 16 - 20 MPH over limit	$2020	$344
Speeding 21 - 25 MPH over limit	$2092	$348
At-fault accident - greater than $2000	$2254	$384
Reckless driving	$2407	$401
Racing	$2504	$426
Driving with a suspended license	$2594	$432
Refusal to submit to a chemical test	$2649	$450
DUI	$2674	$446
Leaving scene of an accident/hit and run	$2715	$461

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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 Farmingville 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 Farmingville.

The cheapest car insurance premiums in Farmingville are offered by American Family at $613 for a six-month policy. However, it can be as expensive as $2739 with companies like State Farm.

Farmingville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$613	$103
Kemper	$646	$110
Progressive	$783	$132
NYCM	$986	$166
New York Central Mutual Fire	$1454	$242
USAA	$1550	$261
Allstate	$2302	$388
Travelers	$2366	$398
Nationwide	$2399	$400
State Farm	$2739	$461

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 Farmingville are offered by American Family at $541. However, it can be as expensive as $2778 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Farmingville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$541	$92
Kemper	$541	$90
Progressive	$670	$113
NYCM	$896	$150
USAA	$1220	$208
Nationwide	$1681	$280
State Farm	$1818	$309
Travelers	$2657	$443
Allstate	$2778	$472

Car Insurance Price Trends in Farmingville, New York

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

The average cost of full coverage in the Farmingville dipped by $336 in December compared to $337 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 Farmingville dipped to $116 in December, compared to $120 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 Farmingville?

The car insurance in Farmingville is $60 per month, which is lower than the national average.

What is the cheapest car insurance in Farmingville?

The cheapest car insurance in Farmingville is $128 per month for full coverage.

How much is car insurance in Farmingville for teenagers?

Car insurance for teenagers costs $509 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 Farmingville?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $235 per month to insure your car in Farmingville.

Is car insurance expensive in Farmingville?

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

Cheapest Car Insurance Quotes in Farmingville

Why you can trust Way?

How Much Is Car Insurance in Farmingville

Avg. Car Insurance in Farmingville

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Farmingville

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Farmingville Car Insurance Rates by Company

Cheap Car Insurance Companies in Farmingville, NY

Way's key takeaways about car insurance in Farmingville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Farmingville

Cheapest Liability Coverage in Farmingville, NY

Cheapest Full Coverage Car Insurance in Farmingville

Cheapest Full Coverage Car Insurance Quotes in Farmingville, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Farmingville by Rating Factor

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

Car Insurance Premiums by Age in Farmingville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Farmingville,NY

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

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 Farmingville

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

Farmingville Car Insurance Rates by Violation

Farmingville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Farmingville after a DUI

Farmingville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Farmingville after Speeding ticket

Car Insurance Price Trends in Farmingville, New York

Average Car Insurance Cost in Farmingville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Farmingville, NY

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

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