Cheapest Car Insurance Quotes in Hampton Manor

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Hampton Manor Car Insurance

^$ 35

/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 Manor

The car insurance rate in Hampton Manor is $915 for a six-month policy, which is $243 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $436, making it a popular choice for budget-conscious drivers. Rates in Hampton Manor 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 Manor

$915

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Hampton Manor

1st place: Kemper

At $436 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 $577 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $615 for six months, making it the third cheapest auto insurance company in Hampton Manor.

Hampton Manor Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hampton Manor, NY is Kemper, offering policies at just $436 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $577.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $1403 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hampton Manor drivers find the best deals.

Cheap Car Insurance Companies in Hampton Manor, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$436	$74
New York Central Mutual Fire	$577	$96
Progressive	$615	$103
American Family	$675	$114
NYCM	$817	$137
USAA	$905	$152
Erie	$924	$156
Nationwide	$1009	$168
Travelers	$1028	$173
State Farm	$1225	$206
Allstate	$1370	$231
Chubb	$1403	$234

Key Takeaways

Way's key takeaways about car insurance in Hampton Manor

The auto insurance costs in Hampton Manor fall around $436 for six months.
The cheapest auto insurance company in Hampton Manor is New York Central Mutual Fire.
Teen drivers pay the highest rate in Hampton Manor at $705 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Hampton Manor

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 Manor are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Hampton Manor. Their Average 6 Month Premium is $206. Preferred Mutual is the most expensive at $544 for the same period.

Cheapest Liability Coverage in Hampton Manor, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$206	$35
NYCM	$244	$40
Kemper	$254	$43
American Family	$305	$51
Progressive	$314	$53
USAA	$404	$68
Erie	$498	$85
Travelers	$535	$89
Allstate	$573	$97
State Farm	$610	$102
Nationwide	$394	$66
Utica National	$450	$77
Preferred Mutual	$544	$91

Cheapest Full Coverage Car Insurance in Hampton Manor

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 Manor is Kemper at $74 per month and $436 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hampton Manor, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$436	$74
New York Central Mutual Fire	$577	$96
Progressive	$615	$103
American Family	$675	$114
NYCM	$817	$137
USAA	$905	$152
Erie	$924	$156
Nationwide	$1009	$168
Travelers	$1028	$173
State Farm	$1225	$206
Allstate	$1370	$231
Chubb	$1403	$234

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Average Car Insurance in Hampton Manor 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 Manor, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Hampton Manor, 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 Manor'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 Manor

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 Hampton Manor,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Hampton Manor at $51 per month. At $4190 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$295	$51
American Family	$356	$60
NYCM	$788	$133
Progressive	$972	$164
New York Central Mutual Fire	$1028	$175
Erie	$1976	$329
USAA	$2173	$366
Travelers	$2857	$481
Nationwide	$2975	$506
Chubb	$3116	$519
Allstate	$3585	$604
State Farm	$4190	$705

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 Hampton Manor, Kemper is the cheapest car insurance provider. At $662 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 Manor is Progressive, offering rates of around $3965 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$662	$111
Nationwide	$1009	$171
Chubb	$1197	$201
USAA	$1454	$247
Erie	$1548	$261
American Family	$1572	$267
NYCM	$1760	$293
Allstate	$1919	$323
Mercury	$1957	$326
State Farm	$2022	$340
Travelers	$2342	$394
Progressive	$3965	$668

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

Car Insurance Rates with An Accident in Hampton Manor

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

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

The cheapest car insurance companies after an at-fault accident in Hampton Manor include Kemper and American Family, offering $366 and $375, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $455.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$366	$61
American Family	$375	$63
Progressive	$577	$97
NYCM	$587	$99
New York Central Mutual Fire	$694	$116
USAA	$788	$133
Erie	$1009	$170
Chubb	$1145	$193
Allstate	$1234	$208
Travelers	$1272	$214
Nationwide	$1333	$222
State Farm	$1558	$262
Utica National	$450	$77
Preferred Mutual	$455	$76

Hampton Manor Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hampton Manor NY. For example, the car insurance in Hampton Manor after a DUI increases to $563 for a six month policy. While the rate increases by $89 for a six-month policy in the case of a speeding ticket.

Hampton Manor auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$990	$165
One Med/PIP claim	$990	$168
One comp claim	$999	$167
Two comp claims	$1009	$171
Two Med/PIP claims	$1009	$168
Not-at-fault accident	$1014	$172
Failure to show documents	$1028	$171
Failure to wear a seat belt	$1033	$175
Driving with expired registration	$1042	$174
At-fault accident - less than $1000	$1047	$178
Cell phone violation	$1047	$175
Child safety restraint	$1047	$178
Driving without lights	$1047	$175
Failure to stop at a red light	$1047	$178
Failure to yield	$1047	$175
Following too closely	$1047	$178
Illegal turn	$1047	$175
Improper passing	$1047	$178
Passing school bus	$1047	$175
Texting while driving	$1047	$178
Wrong way/wrong lane	$1047	$175
Driving too slowly	$1056	$179
Speeding in school zone	$1056	$176
At-fault accident - $1000-$2000	$1060	$180
Speeding 11 - 15 MPH over limit	$1079	$180
Speeding 6 - 10 MPH over limit	$1079	$183
Operating a vehicle without permission	$1098	$183
Open container	$1112	$189
In 65 MPH zone	$1159	$194
Speeding 16 - 20 MPH over limit	$1173	$200
Speeding 21 - 25 MPH over limit	$1215	$202
At-fault accident - greater than $2000	$1309	$223
Reckless driving	$1398	$233
Racing	$1454	$247
Driving with a suspended license	$1507	$251
Refusal to submit to a chemical test	$1539	$261
DUI	$1553	$259
Leaving scene of an accident/hit and run	$1577	$268

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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 Hampton Manor 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 Manor.

The cheapest car insurance premiums in Hampton Manor are offered by American Family at $356 for a six-month policy. However, it can be as expensive as $1760 with companies like Chubb.

Hampton Manor car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$356	$60
Kemper	$375	$64
Progressive	$483	$81
NYCM	$732	$123
New York Central Mutual Fire	$845	$141
USAA	$962	$162
Travelers	$1258	$212
Allstate	$1488	$250
Erie	$1534	$256
Nationwide	$1666	$284
State Farm	$1751	$295
Chubb	$1760	$299

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 Manor are offered by American Family at $314. However, it can be as expensive as $2003 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hampton Manor after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$314	$52
Kemper	$314	$54
Progressive	$455	$77
NYCM	$737	$126
USAA	$854	$142
Erie	$999	$170
Nationwide	$1009	$168
Travelers	$1164	$198
State Farm	$1408	$235
Chubb	$1666	$284
Allstate	$2003	$334

Car Insurance Price Trends in Hampton Manor, New York

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

The average cost of full coverage in the Hampton Manor rose by $217 in January compared to $195 of December. In other words, there has been an increase by $22 when you compare January and December.

The average cost of liability insurance in the Hampton Manor dipped to $63 in January, compared to $67 in December. This represents an decrease of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Hampton Manor?

The car insurance in Hampton Manor is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Hampton Manor?

The cheapest car insurance in Hampton Manor is $74 per month for full coverage.

How much is car insurance in Hampton Manor for teenagers?

Car insurance for teenagers costs $295 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 Manor?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $153 per month to insure your car in Hampton Manor.

Is car insurance expensive in Hampton Manor?

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

Cheapest Car Insurance Quotes in Hampton Manor

Why you can trust Way?

How Much Is Car Insurance in Hampton Manor

Avg. Car Insurance in Hampton Manor

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Hampton Manor

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Hampton Manor Car Insurance Rates by Company

Cheap Car Insurance Companies in Hampton Manor, NY

Way's key takeaways about car insurance in Hampton Manor

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hampton Manor

Cheapest Liability Coverage in Hampton Manor, NY

Cheapest Full Coverage Car Insurance in Hampton Manor

Cheapest Full Coverage Car Insurance Quotes in Hampton Manor, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hampton Manor by Rating Factor

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

Car Insurance Premiums by Age in Hampton Manor

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Manor

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

Hampton Manor Car Insurance Rates by Violation

Hampton Manor auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hampton Manor after a DUI

Hampton Manor car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hampton Manor after Speeding ticket

Car Insurance Price Trends in Hampton Manor, New York

Average Car Insurance Cost in Hampton Manor by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hampton Manor, NY

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

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