Cheapest Car Insurance Quotes in Floral Park

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Floral Park 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 Floral Park

The car insurance rate in Floral Park is $2073 for a six-month policy, which is $915 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $988, making it a popular choice for budget-conscious drivers. Rates in Floral Park 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 Floral Park

$2073

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Floral Park

1st place: Kemper

At $988 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 $1308 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1393 for six months, making it the third cheapest auto insurance company in Floral Park.

Floral Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Floral Park, NY is Kemper, offering policies at just $988 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1308.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $3179 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Floral Park drivers find the best deals.

Cheap Car Insurance Companies in Floral Park, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$988	$168
New York Central Mutual Fire	$1308	$218
Progressive	$1393	$234
American Family	$1530	$258
NYCM	$1851	$311
USAA	$2051	$345
Erie	$2094	$353
Nationwide	$2286	$381
Travelers	$2329	$392
State Farm	$2775	$467
Allstate	$3104	$523
Chubb	$3179	$530

Key Takeaways

Way's key takeaways about car insurance in Floral Park

The auto insurance costs in Floral Park fall around $988 for six months.
The cheapest auto insurance company in Floral Park is New York Central Mutual Fire.
Teen drivers pay the highest rate in Floral Park at $1598 per month.

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Cheapest Minimum Liability Car Insurance in Floral Park

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 Floral Park are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Floral Park. Their Average 6 Month Premium is $467. Preferred Mutual is the most expensive at $1233 for the same period.

Cheapest Liability Coverage in Floral Park, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$467	$79
NYCM	$553	$91
Kemper	$575	$98
American Family	$691	$116
Progressive	$712	$120
USAA	$915	$154
Erie	$1128	$192
Travelers	$1212	$202
Allstate	$1298	$220
State Farm	$1382	$231
Nationwide	$893	$149
Utica National	$1020	$174
Preferred Mutual	$1233	$206

Cheapest Full Coverage Car Insurance in Floral Park

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 Floral Park is Kemper at $168 per month and $988 for six months.

Cheapest Full Coverage Car Insurance Quotes in Floral Park, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$988	$168
New York Central Mutual Fire	$1308	$218
Progressive	$1393	$234
American Family	$1530	$258
NYCM	$1851	$311
USAA	$2051	$345
Erie	$2094	$353
Nationwide	$2286	$381
Travelers	$2329	$392
State Farm	$2775	$467
Allstate	$3104	$523
Chubb	$3179	$530

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Average Car Insurance in Floral Park 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 Floral Park, NY increasing?

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

Car Insurance Premiums by Age in Floral Park

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 Floral Park,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Floral Park at $115 per month. At $9494 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$669	$115
American Family	$807	$136
NYCM	$1786	$301
Progressive	$2202	$371
New York Central Mutual Fire	$2329	$396
Erie	$4477	$746
USAA	$4923	$829
Travelers	$6474	$1090
Nationwide	$6741	$1146
Chubb	$7060	$1176
Allstate	$8123	$1368
State Farm	$9494	$1598

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 Floral Park, Kemper is the cheapest car insurance provider. At $1500 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 Floral Park is Progressive, offering rates of around $8984 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1500	$251
Nationwide	$2286	$388
Chubb	$2712	$456
USAA	$3295	$560
Erie	$3508	$591
American Family	$3562	$605
NYCM	$3988	$664
Allstate	$4348	$732
Mercury	$4434	$739
State Farm	$4582	$771
Travelers	$5306	$893
Progressive	$8984	$1513

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

Car Insurance Rates with An Accident in Floral Park

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

Cheapest Car Insurance Companies after an At-Fault Accident in Floral Park

The cheapest car insurance companies after an at-fault accident in Floral Park include Kemper and American Family, offering $829 and $850, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $1031.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$829	$138
American Family	$850	$143
Progressive	$1308	$220
NYCM	$1330	$224
New York Central Mutual Fire	$1573	$263
USAA	$1786	$301
Erie	$2286	$385
Chubb	$2594	$437
Allstate	$2796	$471
Travelers	$2882	$485
Nationwide	$3020	$503
State Farm	$3530	$594
Utica National	$1020	$174
Preferred Mutual	$1031	$172

Floral Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Floral Park NY. For example, the car insurance in Floral Park after a DUI increases to $1276 for a six month policy. While the rate increases by $202 for a six-month policy in the case of a speeding ticket.

Floral Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2243	$374
One Med/PIP claim	$2243	$381
One comp claim	$2264	$378
Two comp claims	$2286	$388
Two Med/PIP claims	$2286	$381
Not-at-fault accident	$2297	$390
Failure to show documents	$2329	$388
Failure to wear a seat belt	$2340	$397
Driving with expired registration	$2361	$394
At-fault accident - less than $1000	$2372	$403
Cell phone violation	$2372	$396
Child safety restraint	$2372	$403
Driving without lights	$2372	$396
Failure to stop at a red light	$2372	$403
Failure to yield	$2372	$396
Following too closely	$2372	$403
Illegal turn	$2372	$396
Improper passing	$2372	$403
Passing school bus	$2372	$396
Texting while driving	$2372	$403
Wrong way/wrong lane	$2372	$396
Driving too slowly	$2393	$406
Speeding in school zone	$2393	$399
At-fault accident - $1000-$2000	$2402	$408
Speeding 11 - 15 MPH over limit	$2445	$408
Speeding 6 - 10 MPH over limit	$2445	$415
Operating a vehicle without permission	$2488	$415
Open container	$2520	$428
In 65 MPH zone	$2626	$439
Speeding 16 - 20 MPH over limit	$2658	$453
Speeding 21 - 25 MPH over limit	$2753	$458
At-fault accident - greater than $2000	$2966	$505
Reckless driving	$3168	$528
Racing	$3295	$560
Driving with a suspended license	$3414	$569
Refusal to submit to a chemical test	$3487	$592
DUI	$3519	$587
Leaving scene of an accident/hit and run	$3573	$607

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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 Floral Park 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 Floral Park.

The cheapest car insurance premiums in Floral Park are offered by American Family at $807 for a six-month policy. However, it can be as expensive as $3988 with companies like Chubb.

Floral Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$807	$136
Kemper	$850	$145
Progressive	$1095	$184
NYCM	$1659	$279
New York Central Mutual Fire	$1914	$319
USAA	$2180	$367
Travelers	$2850	$480
Allstate	$3371	$567
Erie	$3476	$580
Nationwide	$3775	$643
State Farm	$3967	$668
Chubb	$3988	$678

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 Floral Park are offered by American Family at $712. However, it can be as expensive as $4539 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Floral Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$712	$118
Kemper	$712	$122
Progressive	$1031	$174
NYCM	$1670	$285
USAA	$1935	$322
Erie	$2264	$385
Nationwide	$2286	$381
Travelers	$2637	$448
State Farm	$3190	$532
Chubb	$3775	$643
Allstate	$4539	$757

Car Insurance Price Trends in Floral Park, New York

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

The average cost of full coverage in the Floral Park rose by $492 in January compared to $442 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 Floral Park dipped to $143 in January, compared to $152 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 Floral Park?

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

What is the cheapest car insurance in Floral Park?

The cheapest car insurance in Floral Park is $168 per month for full coverage.

How much is car insurance in Floral Park for teenagers?

Car insurance for teenagers costs $669 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 Floral Park?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $347 per month to insure your car in Floral Park.

Is car insurance expensive in Floral Park?

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

Cheapest Car Insurance Quotes in Floral Park

Why you can trust Way?

How Much Is Car Insurance in Floral Park

Avg. Car Insurance in Floral Park

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Floral Park

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Floral Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Floral Park, NY

Way's key takeaways about car insurance in Floral Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Floral Park

Cheapest Liability Coverage in Floral Park, NY

Cheapest Full Coverage Car Insurance in Floral Park

Cheapest Full Coverage Car Insurance Quotes in Floral Park, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Floral Park by Rating Factor

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

Car Insurance Premiums by Age in Floral Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Floral Park,NY

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

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 Floral Park

Cheapest Car Insurance Companies after an At-Fault Accident in Floral Park

Floral Park Car Insurance Rates by Violation

Floral Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Floral Park after a DUI

Floral Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Floral Park after Speeding ticket

Car Insurance Price Trends in Floral Park, New York

Average Car Insurance Cost in Floral Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Floral Park, NY

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

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