Cheapest Car Insurance Quotes in Hampton Bays

Finding the cheapest car insurance quotes in Hampton Bays 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Hampton Bays Car Insurance

^$ 49

/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 Hampton Bays

The car insurance rate in Hampton Bays is $1142 for a six-month policy, which is $113 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $613, making it a popular choice for budget-conscious drivers. Rates in Hampton Bays 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 Hampton Bays

$1142

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Hampton Bays

1st place: Kemper

At $613 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 $811 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $818 for six months, making it the third cheapest auto insurance company in Hampton Bays.

Hampton Bays Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hampton Bays, NY is Kemper, offering policies at just $613 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $811.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1707 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hampton Bays drivers find the best deals.

Cheap Car Insurance Companies in Hampton Bays, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$613	$104
New York Central Mutual Fire	$811	$135
Progressive	$818	$138
American Family	$949	$160
NYCM	$996	$168
Erie	$1193	$199
Nationwide	$1200	$204
USAA	$1207	$203
State Farm	$1496	$252
Travelers	$1576	$265
Allstate	$1707	$287

Key Takeaways

Way's key takeaways about car insurance in Hampton Bays

The auto insurance costs in Hampton Bays fall around $613 for six months.
The cheapest auto insurance company in Hampton Bays is New York Central Mutual Fire.
Teen drivers pay the highest rate in Hampton Bays at $870 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 Hampton Bays

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 Hampton Bays are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Hampton Bays. Their Average 6 Month Premium is $290. Preferred Mutual is the most expensive at $765 for the same period.

Cheapest Liability Coverage in Hampton Bays, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$290	$49
NYCM	$303	$51
Kemper	$356	$59
Progressive	$422	$71
American Family	$428	$72
USAA	$521	$88
Nationwide	$554	$92
Erie	$699	$119
State Farm	$811	$137
Travelers	$870	$147
Allstate	$910	$153
Utica National	$633	$108
Preferred Mutual	$765	$128

Cheapest Full Coverage Car Insurance in Hampton Bays

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 Hampton Bays is Kemper at $104 per month and $613 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hampton Bays, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$613	$104
New York Central Mutual Fire	$811	$135
Progressive	$818	$138
American Family	$949	$160
NYCM	$996	$168
Erie	$1193	$199
Nationwide	$1200	$204
USAA	$1207	$203
State Farm	$1496	$252
Travelers	$1576	$265
Allstate	$1707	$287

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Hampton Bays Instantly!

Average Car Insurance in Hampton Bays 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 Hampton Bays, NY increasing?

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

Car Insurance Premiums by Age in Hampton Bays

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	$625
30s	National Grange Mutual	$445
40s	National Grange Mutual	$428
50s	National Grange Mutual	$435
60s	National Grange Mutual	$468
70s	National Grange Mutual	$643

Cheapest Car Insurance Rates for Teen Drivers in Hampton Bays,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Hampton Bays at $69 per month. At $5169 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$415	$69
American Family	$501	$84
NYCM	$837	$141
Progressive	$1325	$223
New York Central Mutual Fire	$1444	$241
USAA	$2651	$446
Nationwide	$3462	$577
Travelers	$4286	$722
Allstate	$4635	$780
State Farm	$5169	$870

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 Hampton Bays.

As young drivers face the highest rates in Hampton Bays, National Grange Mutual offers the cheapest auto insurance rates at $625 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 Hampton Bays, Chubb is the cheapest car insurance provider. At $890 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 Hampton Bays is Progressive, offering rates of around $5743 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$890	$149
Kemper	$930	$158
Nationwide	$1200	$200
USAA	$1662	$283
NYCM	$1734	$289
Erie	$1879	$320
American Family	$2209	$369
Allstate	$2261	$381
State Farm	$2341	$394
Mercury	$2749	$467
Travelers	$2808	$473
Progressive	$5743	$967

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Hampton Bays

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

Cheapest Car Insurance Companies after an At-Fault Accident in Hampton Bays

The cheapest car insurance companies after an at-fault accident in Hampton Bays include Kemper and American Family, offering $514 and $527, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $639.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$514	$85
American Family	$527	$89
NYCM	$639	$108
Erie	$699	$119
Chubb	$771	$129
Progressive	$844	$142
New York Central Mutual Fire	$976	$163
USAA	$1048	$176
Nationwide	$1576	$263
Allstate	$1590	$268
State Farm	$1919	$323
Travelers	$1951	$329
Utica National	$633	$108
Preferred Mutual	$639	$107

Hampton Bays Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hampton Bays NY. For example, the car insurance in Hampton Bays after a DUI increases to $791 for a six month policy. While the rate increases by $125 for a six-month policy in the case of a speeding ticket.

Hampton Bays auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1391	$232
One Med/PIP claim	$1391	$236
One comp claim	$1404	$234
Two comp claims	$1417	$241
Two Med/PIP claims	$1417	$236
Not-at-fault accident	$1424	$242
Failure to show documents	$1444	$241
Failure to wear a seat belt	$1451	$246
Driving with expired registration	$1464	$244
At-fault accident - less than $1000	$1471	$250
Cell phone violation	$1471	$245
Child safety restraint	$1471	$250
Driving without lights	$1471	$245
Failure to stop at a red light	$1471	$250
Failure to yield	$1471	$245
Following too closely	$1471	$250
Illegal turn	$1471	$245
Improper passing	$1471	$250
Passing school bus	$1471	$245
Texting while driving	$1471	$250
Wrong way/wrong lane	$1471	$245
Driving too slowly	$1484	$252
Speeding in school zone	$1484	$248
At-fault accident - $1000-$2000	$1490	$253
Speeding 11 - 15 MPH over limit	$1516	$253
Speeding 6 - 10 MPH over limit	$1516	$258
Operating a vehicle without permission	$1543	$258
Open container	$1563	$265
In 65 MPH zone	$1628	$272
Speeding 16 - 20 MPH over limit	$1648	$281
Speeding 21 - 25 MPH over limit	$1707	$284
At-fault accident - greater than $2000	$1839	$313
Reckless driving	$1965	$327
Racing	$2044	$347
Driving with a suspended license	$2117	$353
Refusal to submit to a chemical test	$2162	$367
DUI	$2182	$364
Leaving scene of an accident/hit and run	$2216	$376

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Hampton Bays 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 Hampton Bays.

The cheapest car insurance premiums in Hampton Bays are offered by American Family at $501 for a six-month policy. However, it can be as expensive as $2236 with companies like State Farm.

Hampton Bays car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$501	$84
Kemper	$527	$90
Progressive	$639	$108
NYCM	$805	$135
New York Central Mutual Fire	$1187	$198
USAA	$1265	$213
Allstate	$1879	$316
Travelers	$1931	$325
Nationwide	$1958	$326
State Farm	$2236	$376

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 Hampton Bays are offered by American Family at $442. However, it can be as expensive as $2268 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hampton Bays after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$442	$75
Kemper	$442	$73
Progressive	$547	$92
NYCM	$731	$122
USAA	$996	$170
Nationwide	$1372	$229
State Farm	$1484	$252
Travelers	$2169	$362
Allstate	$2268	$385

Car Insurance Price Trends in Hampton Bays, New York

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

The average cost of full coverage in the Hampton Bays dipped by $274 in December compared to $275 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 Hampton Bays dipped to $94 in December, compared to $98 in November. This represents an decrease of $4 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Hampton Bays?

The car insurance in Hampton Bays is $49 per month, which is lower than the national average.

What is the cheapest car insurance in Hampton Bays?

The cheapest car insurance in Hampton Bays is $104 per month for full coverage.

How much is car insurance in Hampton Bays for teenagers?

Car insurance for teenagers costs $415 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 Hampton Bays?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $192 per month to insure your car in Hampton Bays.

Is car insurance expensive in Hampton Bays?

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

Cheapest Car Insurance Quotes in Hampton Bays

Why you can trust Way?

How Much Is Car Insurance in Hampton Bays

Avg. Car Insurance in Hampton Bays

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Hampton Bays

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Hampton Bays Car Insurance Rates by Company

Cheap Car Insurance Companies in Hampton Bays, NY

Way's key takeaways about car insurance in Hampton Bays

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hampton Bays

Cheapest Liability Coverage in Hampton Bays, NY

Cheapest Full Coverage Car Insurance in Hampton Bays

Cheapest Full Coverage Car Insurance Quotes in Hampton Bays, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hampton Bays by Rating Factor

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

Car Insurance Premiums by Age in Hampton Bays

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hampton Bays,NY

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

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 Hampton Bays

Cheapest Car Insurance Companies after an At-Fault Accident in Hampton Bays

Hampton Bays Car Insurance Rates by Violation

Hampton Bays auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hampton Bays after a DUI

Hampton Bays car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hampton Bays after Speeding ticket

Car Insurance Price Trends in Hampton Bays, New York

Average Car Insurance Cost in Hampton Bays by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hampton Bays, NY

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

Featured Blogs

Data Sources