Cheapest Car Insurance Quotes in Hastings-on-Hudson

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Hastings-on-Hudson Car Insurance

^$ 53

/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 Hastings-on-Hudson

The car insurance rate in Hastings-on-Hudson is $1245 for a six-month policy, which is $216 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $668, making it a popular choice for budget-conscious drivers. Rates in Hastings-on-Hudson 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 Hastings-on-Hudson

$1245

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Hastings-on-Hudson

1st place: Kemper

At $668 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 $885 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $892 for six months, making it the third cheapest auto insurance company in Hastings-on-Hudson.

Hastings-on-Hudson Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hastings-on-Hudson, NY is Kemper, offering policies at just $668 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $885.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1861 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hastings-on-Hudson drivers find the best deals.

Cheap Car Insurance Companies in Hastings-on-Hudson, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$668	$114
New York Central Mutual Fire	$885	$148
Progressive	$892	$150
American Family	$1035	$174
NYCM	$1085	$183
Erie	$1301	$217
Nationwide	$1308	$223
USAA	$1315	$221
State Farm	$1631	$275
Travelers	$1718	$289
Allstate	$1861	$313

Key Takeaways

Way's key takeaways about car insurance in Hastings-on-Hudson

The auto insurance costs in Hastings-on-Hudson fall around $668 for six months.
The cheapest auto insurance company in Hastings-on-Hudson is New York Central Mutual Fire.
Teen drivers pay the highest rate in Hastings-on-Hudson at $949 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 Hastings-on-Hudson

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 Hastings-on-Hudson are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Hastings-on-Hudson. Their Average 6 Month Premium is $316. Preferred Mutual is the most expensive at $834 for the same period.

Cheapest Liability Coverage in Hastings-on-Hudson, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$316	$53
NYCM	$330	$56
Kemper	$388	$64
Progressive	$460	$77
American Family	$467	$79
USAA	$567	$96
Nationwide	$604	$100
Erie	$762	$129
State Farm	$885	$149
Travelers	$949	$160
Allstate	$992	$167
Utica National	$690	$117
Preferred Mutual	$834	$139

Cheapest Full Coverage Car Insurance in Hastings-on-Hudson

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 Hastings-on-Hudson is Kemper at $114 per month and $668 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hastings-on-Hudson, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$668	$114
New York Central Mutual Fire	$885	$148
Progressive	$892	$150
American Family	$1035	$174
NYCM	$1085	$183
Erie	$1301	$217
Nationwide	$1308	$223
USAA	$1315	$221
State Farm	$1631	$275
Travelers	$1718	$289
Allstate	$1861	$313

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Average Car Insurance in Hastings-on-Hudson 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 Hastings-on-Hudson, NY increasing?

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

Car Insurance Premiums by Age in Hastings-on-Hudson

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	$681
30s	National Grange Mutual	$485
40s	National Grange Mutual	$467
50s	National Grange Mutual	$474
60s	National Grange Mutual	$511
70s	National Grange Mutual	$701

Cheapest Car Insurance Rates for Teen Drivers in Hastings-on-Hudson,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Hastings-on-Hudson at $75 per month. At $5635 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$453	$75
American Family	$546	$92
NYCM	$912	$154
Progressive	$1445	$243
New York Central Mutual Fire	$1574	$263
USAA	$2889	$486
Nationwide	$3774	$629
Travelers	$4672	$787
Allstate	$5053	$851
State Farm	$5635	$949

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 Hastings-on-Hudson.

As young drivers face the highest rates in Hastings-on-Hudson, National Grange Mutual offers the cheapest auto insurance rates at $681 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 Hastings-on-Hudson, Chubb is the cheapest car insurance provider. At $970 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 Hastings-on-Hudson is Progressive, offering rates of around $6261 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$970	$162
Kemper	$1014	$172
Nationwide	$1308	$218
USAA	$1811	$309
NYCM	$1890	$315
Erie	$2049	$348
American Family	$2408	$402
Allstate	$2465	$415
State Farm	$2552	$430
Mercury	$2997	$509
Travelers	$3061	$515
Progressive	$6261	$1054

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Hastings-on-Hudson.

Car Insurance Rates with An Accident in Hastings-on-Hudson

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 Hastings-on-Hudson, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Hastings-on-Hudson

The cheapest car insurance companies after an at-fault accident in Hastings-on-Hudson include Kemper and American Family, offering $560 and $575, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $697.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$560	$93
American Family	$575	$97
NYCM	$697	$117
Erie	$762	$129
Chubb	$841	$140
Progressive	$920	$155
New York Central Mutual Fire	$1064	$178
USAA	$1142	$192
Nationwide	$1718	$287
Allstate	$1733	$292
State Farm	$2092	$352
Travelers	$2127	$358
Utica National	$690	$117
Preferred Mutual	$697	$116

Hastings-on-Hudson Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hastings-on-Hudson NY. For example, the car insurance in Hastings-on-Hudson after a DUI increases to $863 for a six month policy. While the rate increases by $137 for a six-month policy in the case of a speeding ticket.

Hastings-on-Hudson auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1516	$253
One Med/PIP claim	$1516	$258
One comp claim	$1531	$255
Two comp claims	$1545	$263
Two Med/PIP claims	$1545	$258
Not-at-fault accident	$1552	$264
Failure to show documents	$1574	$263
Failure to wear a seat belt	$1581	$269
Driving with expired registration	$1596	$266
At-fault accident - less than $1000	$1603	$272
Cell phone violation	$1603	$267
Child safety restraint	$1603	$272
Driving without lights	$1603	$267
Failure to stop at a red light	$1603	$272
Failure to yield	$1603	$267
Following too closely	$1603	$272
Illegal turn	$1603	$267
Improper passing	$1603	$272
Passing school bus	$1603	$267
Texting while driving	$1603	$272
Wrong way/wrong lane	$1603	$267
Driving too slowly	$1618	$275
Speeding in school zone	$1618	$270
At-fault accident - $1000-$2000	$1624	$276
Speeding 11 - 15 MPH over limit	$1653	$276
Speeding 6 - 10 MPH over limit	$1653	$281
Operating a vehicle without permission	$1682	$281
Open container	$1704	$289
In 65 MPH zone	$1775	$296
Speeding 16 - 20 MPH over limit	$1797	$306
Speeding 21 - 25 MPH over limit	$1861	$310
At-fault accident - greater than $2000	$2005	$341
Reckless driving	$2142	$357
Racing	$2228	$379
Driving with a suspended license	$2307	$385
Refusal to submit to a chemical test	$2357	$401
DUI	$2379	$397
Leaving scene of an accident/hit and run	$2415	$410

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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 Hastings-on-Hudson 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 Hastings-on-Hudson.

The cheapest car insurance premiums in Hastings-on-Hudson are offered by American Family at $546 for a six-month policy. However, it can be as expensive as $2437 with companies like State Farm.

Hastings-on-Hudson car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$546	$92
Kemper	$575	$98
Progressive	$697	$117
NYCM	$877	$148
New York Central Mutual Fire	$1293	$215
USAA	$1379	$232
Allstate	$2049	$345
Travelers	$2105	$355
Nationwide	$2134	$356
State Farm	$2437	$410

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 Hastings-on-Hudson are offered by American Family at $482. However, it can be as expensive as $2472 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hastings-on-Hudson after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$482	$82
Kemper	$482	$80
Progressive	$597	$100
NYCM	$797	$133
USAA	$1085	$185
Nationwide	$1496	$249
State Farm	$1618	$275
Travelers	$2364	$394
Allstate	$2472	$420

Car Insurance Price Trends in Hastings-on-Hudson, New York

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

The average cost of full coverage in the Hastings-on-Hudson dipped by $299 in December compared to $300 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 Hastings-on-Hudson dipped to $103 in December, compared to $106 in November. This represents an decrease of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Hastings-on-Hudson?

The car insurance in Hastings-on-Hudson is $53 per month, which is lower than the national average.

What is the cheapest car insurance in Hastings-on-Hudson?

The cheapest car insurance in Hastings-on-Hudson is $114 per month for full coverage.

How much is car insurance in Hastings-on-Hudson for teenagers?

Car insurance for teenagers costs $453 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 Hastings-on-Hudson?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $209 per month to insure your car in Hastings-on-Hudson.

Is car insurance expensive in Hastings-on-Hudson?

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

Cheapest Car Insurance Quotes in Hastings-on-Hudson

Why you can trust Way?

How Much Is Car Insurance in Hastings-on-Hudson

Avg. Car Insurance in Hastings-on-Hudson

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Hastings-on-Hudson

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Hastings-on-Hudson Car Insurance Rates by Company

Cheap Car Insurance Companies in Hastings-on-Hudson, NY

Way's key takeaways about car insurance in Hastings-on-Hudson

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hastings-on-Hudson

Cheapest Liability Coverage in Hastings-on-Hudson, NY

Cheapest Full Coverage Car Insurance in Hastings-on-Hudson

Cheapest Full Coverage Car Insurance Quotes in Hastings-on-Hudson, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hastings-on-Hudson by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Hastings-on-Hudson, NY increasing?

Car Insurance Premiums by Age in Hastings-on-Hudson

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hastings-on-Hudson,NY

If you are in your twenties National Grange Mutual is the best choice for car insurance in Hastings-on-Hudson.

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 Hastings-on-Hudson

Cheapest Car Insurance Companies after an At-Fault Accident in Hastings-on-Hudson

Hastings-on-Hudson Car Insurance Rates by Violation

Hastings-on-Hudson auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hastings-on-Hudson after a DUI

Hastings-on-Hudson car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hastings-on-Hudson after Speeding ticket

Car Insurance Price Trends in Hastings-on-Hudson, New York

Average Car Insurance Cost in Hastings-on-Hudson by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hastings-on-Hudson, NY

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

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