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Finding the cheapest car insurance quotes in Freehold 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 Freehold
The car insurance rate in Freehold is $978 for a six-month policy, which is $51 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $524, making it a popular choice for budget-conscious drivers. Rates in Freehold 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 $524 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 $694 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $700
for six months, making it
the third cheapest auto insurance company in Freehold.
Freehold Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Freehold, NY is Kemper, offering policies at just $524 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $694.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1461 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Freehold drivers find the best deals.
Way's key takeaways about car insurance in Freehold
The auto insurance costs in Freehold fall around $524 for six
months.
The cheapest auto insurance company in Freehold is New York Central Mutual Fire.
Teen drivers pay the highest rate in Freehold at $745 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 Freehold
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 Freehold are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in Freehold. Their Average 6 Month Premium is $248.
Preferred Mutual is the most
expensive at $655 for the same
period.
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 Freehold is Kemper
at $89 per month and $524
for six months.
Cheapest Full Coverage Car Insurance Quotes in Freehold,
NY
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Instantly!
Average Car Insurance in Freehold 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 Freehold, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Freehold, 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, Freehold's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Freehold
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
$535
30s
National Grange Mutual
$381
40s
National Grange Mutual
$367
50s
National Grange Mutual
$372
60s
National Grange Mutual
$401
70s
National Grange Mutual
$550
Cheapest Car Insurance Rates for Teen Drivers in
Freehold,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Freehold at $59
per
month. At $4424 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 Freehold.
As young drivers face the highest rates in Freehold, National Grange Mutual
offers the cheapest auto insurance rates at $535 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 Freehold,
Chubb is
the cheapest car insurance provider. At $762 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
Freehold is Progressive, offering
rates of around $4915 for six
months.
Save up to $971/yr on car insurance rates in Freehold.
Car Insurance Rates with An Accident in Freehold
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 Freehold, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Freehold
The cheapest car insurance companies after an at-fault accident in
Freehold include Kemper
and American Family, offering $440
and $451,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$547.
Here is a list of driving violations that can increase your car
insurance rates in Freehold NY. For example, the car
insurance in Freehold
after a DUI increases to $678 for a six
month policy. While the rate increases by $108 for a six-month policy in the case of
a speeding ticket.
Freehold auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1190
$199
One Med/PIP claim
$1190
$202
One comp claim
$1202
$200
Two comp claims
$1213
$206
Two Med/PIP claims
$1213
$202
Not-at-fault accident
$1219
$207
Failure to show documents
$1236
$206
Failure to wear a seat belt
$1242
$211
Driving with expired registration
$1253
$209
At-fault accident - less than $1000
$1259
$214
Cell phone violation
$1259
$210
Child safety restraint
$1259
$214
Driving without lights
$1259
$210
Failure to stop at a red light
$1259
$214
Failure to yield
$1259
$210
Following too closely
$1259
$214
Illegal turn
$1259
$210
Improper passing
$1259
$214
Passing school bus
$1259
$210
Texting while driving
$1259
$214
Wrong way/wrong lane
$1259
$210
Driving too slowly
$1270
$216
Speeding in school zone
$1270
$212
At-fault accident - $1000-$2000
$1275
$217
Speeding 11 - 15 MPH over limit
$1298
$217
Speeding 6 - 10 MPH over limit
$1298
$220
Operating a vehicle without permission
$1321
$220
Open container
$1338
$227
In 65 MPH zone
$1394
$233
Speeding 16 - 20 MPH over limit
$1411
$240
Speeding 21 - 25 MPH over limit
$1461
$243
At-fault accident - greater than $2000
$1574
$268
Reckless driving
$1682
$280
Racing
$1749
$297
Driving with a suspended license
$1812
$302
Refusal to submit to a chemical test
$1851
$314
DUI
$1868
$312
Leaving scene of an accident/hit and run
$1896
$322
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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 Freehold 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 Freehold.
The cheapest car insurance premiums in
Freehold are
offered by American Family at $428 for a six-month policy.
However, it can be as
expensive as $1913 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 Freehold are offered by American Family
at $378. However,
it can be as expensive as $1941
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Freehold after Speeding ticket
Car insurance rates in Freehold have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Freehold dipped by
$235 in December
compared to $236 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 Freehold dipped to $81 in December,
compared to $84 in November.
This represents an decrease of $3
when comparing December and November.
Average Car Insurance Cost in Freehold 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
Freehold. At $1955 for a
six-month policy, insuring
your car at 12431 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 Freehold?
The car insurance in Freehold is $42 per month, which is lower than the national average.
What is the cheapest car insurance in Freehold?
The cheapest car insurance in Freehold
is $89 per month
for full coverage.
How much is car insurance in Freehold for teenagers?
Car insurance for teenagers costs $355 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
Freehold?
The average cost of car insurance is $1029 for a six-month
policy. It will cost around $164 per month to insure your
car in Freehold.
Is car insurance expensive in Freehold?
Car insurance can be expensive in Freehold if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Freehold can be
affordable.
What is the best car insurance in Freehold,
NY?
The best car insurance company in Freehold
NY is
Kemper, offering $524 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Freehold, NY
Car Insurance Rates by State in the USA (2025 Update)
Freehold Car Insurance
