Cheapest Car Insurance Quotes in Firthcliffe

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Firthcliffe Car Insurance

^$ 51

/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 Firthcliffe

The car insurance rate in Firthcliffe is $1343 for a six-month policy, which is $185 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $640, making it a popular choice for budget-conscious drivers. Rates in Firthcliffe 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 Firthcliffe

$1343

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Firthcliffe

1st place: Kemper

At $640 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 $848 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $902 for six months, making it the third cheapest auto insurance company in Firthcliffe.

Firthcliffe Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Firthcliffe, NY is Kemper, offering policies at just $640 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $848.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $2060 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Firthcliffe drivers find the best deals.

Cheap Car Insurance Companies in Firthcliffe, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$640	$109
New York Central Mutual Fire	$848	$142
Progressive	$902	$152
American Family	$992	$167
NYCM	$1199	$202
USAA	$1329	$224
Erie	$1357	$229
Nationwide	$1481	$247
Travelers	$1509	$254
State Farm	$1798	$303
Allstate	$2011	$339
Chubb	$2060	$343

Key Takeaways

Way's key takeaways about car insurance in Firthcliffe

The auto insurance costs in Firthcliffe fall around $640 for six months.
The cheapest auto insurance company in Firthcliffe is New York Central Mutual Fire.
Teen drivers pay the highest rate in Firthcliffe at $1036 per month.

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Cheapest Minimum Liability Car Insurance in Firthcliffe

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 Firthcliffe are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Firthcliffe. Their Average 6 Month Premium is $303. Preferred Mutual is the most expensive at $799 for the same period.

Cheapest Liability Coverage in Firthcliffe, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$303	$51
NYCM	$358	$59
Kemper	$372	$64
American Family	$448	$75
Progressive	$462	$78
USAA	$593	$100
Erie	$731	$124
Travelers	$785	$131
Allstate	$841	$143
State Farm	$896	$150
Nationwide	$579	$96
Utica National	$661	$113
Preferred Mutual	$799	$133

Cheapest Full Coverage Car Insurance in Firthcliffe

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 Firthcliffe is Kemper at $109 per month and $640 for six months.

Cheapest Full Coverage Car Insurance Quotes in Firthcliffe, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$640	$109
New York Central Mutual Fire	$848	$142
Progressive	$902	$152
American Family	$992	$167
NYCM	$1199	$202
USAA	$1329	$224
Erie	$1357	$229
Nationwide	$1481	$247
Travelers	$1509	$254
State Farm	$1798	$303
Allstate	$2011	$339
Chubb	$2060	$343

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Average Car Insurance in Firthcliffe 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 Firthcliffe, NY increasing?

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

Car Insurance Premiums by Age in Firthcliffe

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 Firthcliffe,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Firthcliffe at $74 per month. At $6153 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$434	$74
American Family	$523	$88
NYCM	$1158	$195
Progressive	$1427	$240
New York Central Mutual Fire	$1509	$256
Erie	$2901	$484
USAA	$3190	$537
Travelers	$4196	$706
Nationwide	$4369	$742
Chubb	$4575	$762
Allstate	$5264	$886
State Farm	$6153	$1036

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 Firthcliffe, Kemper is the cheapest car insurance provider. At $972 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 Firthcliffe is Progressive, offering rates of around $5822 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$972	$162
Nationwide	$1481	$252
Chubb	$1757	$296
USAA	$2136	$363
Erie	$2274	$383
American Family	$2308	$392
NYCM	$2584	$430
Allstate	$2818	$474
Mercury	$2873	$479
State Farm	$2970	$500
Travelers	$3438	$579
Progressive	$5822	$980

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Car Insurance Rates with An Accident in Firthcliffe

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

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

The cheapest car insurance companies after an at-fault accident in Firthcliffe include Kemper and American Family, offering $537 and $551, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $668.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$537	$89
American Family	$551	$93
Progressive	$848	$143
NYCM	$862	$145
New York Central Mutual Fire	$1020	$171
USAA	$1158	$195
Erie	$1481	$249
Chubb	$1681	$283
Allstate	$1812	$305
Travelers	$1868	$314
Nationwide	$1957	$326
State Farm	$2288	$385
Utica National	$661	$113
Preferred Mutual	$668	$111

Firthcliffe Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Firthcliffe NY. For example, the car insurance in Firthcliffe after a DUI increases to $828 for a six month policy. While the rate increases by $132 for a six-month policy in the case of a speeding ticket.

Firthcliffe auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1453	$242
One Med/PIP claim	$1453	$247
One comp claim	$1467	$245
Two comp claims	$1481	$252
Two Med/PIP claims	$1481	$247
Not-at-fault accident	$1488	$253
Failure to show documents	$1509	$252
Failure to wear a seat belt	$1516	$258
Driving with expired registration	$1530	$255
At-fault accident - less than $1000	$1537	$261
Cell phone violation	$1537	$256
Child safety restraint	$1537	$261
Driving without lights	$1537	$256
Failure to stop at a red light	$1537	$261
Failure to yield	$1537	$256
Following too closely	$1537	$261
Illegal turn	$1537	$256
Improper passing	$1537	$261
Passing school bus	$1537	$256
Texting while driving	$1537	$261
Wrong way/wrong lane	$1537	$256
Driving too slowly	$1551	$263
Speeding in school zone	$1551	$259
At-fault accident - $1000-$2000	$1557	$264
Speeding 11 - 15 MPH over limit	$1585	$264
Speeding 6 - 10 MPH over limit	$1585	$269
Operating a vehicle without permission	$1612	$269
Open container	$1633	$277
In 65 MPH zone	$1702	$284
Speeding 16 - 20 MPH over limit	$1723	$293
Speeding 21 - 25 MPH over limit	$1784	$297
At-fault accident - greater than $2000	$1922	$327
Reckless driving	$2053	$342
Racing	$2136	$363
Driving with a suspended license	$2212	$369
Refusal to submit to a chemical test	$2260	$384
DUI	$2281	$380
Leaving scene of an accident/hit and run	$2315	$393

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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 Firthcliffe 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 Firthcliffe.

The cheapest car insurance premiums in Firthcliffe are offered by American Family at $523 for a six-month policy. However, it can be as expensive as $2584 with companies like Chubb.

Firthcliffe car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$523	$88
Kemper	$551	$94
Progressive	$710	$119
NYCM	$1075	$181
New York Central Mutual Fire	$1240	$206
USAA	$1413	$238
Travelers	$1847	$311
Allstate	$2184	$368
Erie	$2253	$376
Nationwide	$2446	$416
State Farm	$2571	$433
Chubb	$2584	$440

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 Firthcliffe are offered by American Family at $462. However, it can be as expensive as $2942 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Firthcliffe after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$462	$77
Kemper	$462	$79
Progressive	$668	$113
NYCM	$1082	$184
USAA	$1254	$209
Erie	$1467	$249
Nationwide	$1481	$247
Travelers	$1709	$290
State Farm	$2067	$345
Chubb	$2446	$416
Allstate	$2942	$491

Car Insurance Price Trends in Firthcliffe, New York

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

The average cost of full coverage in the Firthcliffe rose by $319 in January compared to $287 of December. In other words, there has been an increase by $32 when you compare January and December.

The average cost of liability insurance in the Firthcliffe dipped to $93 in January, compared to $99 in December. This represents an decrease of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Firthcliffe?

The car insurance in Firthcliffe is $51 per month, which is lower than the national average.

What is the cheapest car insurance in Firthcliffe?

The cheapest car insurance in Firthcliffe is $109 per month for full coverage.

How much is car insurance in Firthcliffe for teenagers?

Car insurance for teenagers costs $434 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 Firthcliffe?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $225 per month to insure your car in Firthcliffe.

Is car insurance expensive in Firthcliffe?

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

Cheapest Car Insurance Quotes in Firthcliffe

Why you can trust Way?

How Much Is Car Insurance in Firthcliffe

Avg. Car Insurance in Firthcliffe

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Firthcliffe

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Firthcliffe Car Insurance Rates by Company

Cheap Car Insurance Companies in Firthcliffe, NY

Way's key takeaways about car insurance in Firthcliffe

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Firthcliffe

Cheapest Liability Coverage in Firthcliffe, NY

Cheapest Full Coverage Car Insurance in Firthcliffe

Cheapest Full Coverage Car Insurance Quotes in Firthcliffe, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Firthcliffe by Rating Factor

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

Car Insurance Premiums by Age in Firthcliffe

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Firthcliffe,NY

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

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 Firthcliffe

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

Firthcliffe Car Insurance Rates by Violation

Firthcliffe auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Firthcliffe after a DUI

Firthcliffe car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Firthcliffe after Speeding ticket

Car Insurance Price Trends in Firthcliffe, New York

Average Car Insurance Cost in Firthcliffe by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Firthcliffe, NY

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

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