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Finding the cheapest car insurance quotes in Hempstead 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 Hempstead
The car insurance rate in Hempstead is $2120 for a six-month policy, which is $1091 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1137, making it a popular choice for budget-conscious drivers. Rates in Hempstead 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 $1137 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 $1506 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $1518
for six months, making it
the third cheapest auto insurance company in Hempstead.
Hempstead Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Hempstead, NY is Kemper, offering policies at just $1137 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1506.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $3168 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hempstead drivers find the best deals.
Way's key takeaways about car insurance in Hempstead
The auto insurance costs in Hempstead fall around $1137 for six
months.
The cheapest auto insurance company in Hempstead is New York Central Mutual Fire.
Teen drivers pay the highest rate in Hempstead at $1615 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 Hempstead
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 Hempstead are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in Hempstead. Their Average 6 Month Premium is $538.
Preferred Mutual is the most
expensive at $1419 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 Hempstead is Kemper
at $194 per month and $1137
for six months.
Cheapest Full Coverage Car Insurance Quotes in Hempstead,
NY
Get Your Car Insurance Quote in Hempstead
Instantly!
Average Car Insurance in Hempstead 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 Hempstead, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Hempstead, 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, Hempstead's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Hempstead
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
$1160
30s
National Grange Mutual
$826
40s
National Grange Mutual
$795
50s
National Grange Mutual
$808
60s
National Grange Mutual
$869
70s
National Grange Mutual
$1193
Cheapest Car Insurance Rates for Teen Drivers in
Hempstead,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Hempstead at $128
per
month. At $9593 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 Hempstead.
As young drivers face the highest rates in Hempstead, National Grange Mutual
offers the cheapest auto insurance rates at $1160 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 Hempstead,
Chubb is
the cheapest car insurance provider. At $1652 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
Hempstead is Progressive, offering
rates of around $10658 for six
months.
Save up to $971/yr on car insurance rates in Hempstead.
Car Insurance Rates with An Accident in Hempstead
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 Hempstead, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Hempstead
The cheapest car insurance companies after an at-fault accident in
Hempstead include Kemper
and American Family, offering $954
and $979,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$1187.
Here is a list of driving violations that can increase your car
insurance rates in Hempstead NY. For example, the car
insurance in Hempstead
after a DUI increases to $1469 for a six
month policy. While the rate increases by $233 for a six-month policy in the case of
a speeding ticket.
Hempstead auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$2581
$431
One Med/PIP claim
$2581
$439
One comp claim
$2606
$435
Two comp claims
$2631
$447
Two Med/PIP claims
$2631
$439
Not-at-fault accident
$2643
$449
Failure to show documents
$2680
$447
Failure to wear a seat belt
$2692
$457
Driving with expired registration
$2717
$453
At-fault accident - less than $1000
$2730
$464
Cell phone violation
$2730
$455
Child safety restraint
$2730
$464
Driving without lights
$2730
$455
Failure to stop at a red light
$2730
$464
Failure to yield
$2730
$455
Following too closely
$2730
$464
Illegal turn
$2730
$455
Improper passing
$2730
$464
Passing school bus
$2730
$455
Texting while driving
$2730
$464
Wrong way/wrong lane
$2730
$455
Driving too slowly
$2754
$468
Speeding in school zone
$2754
$459
At-fault accident - $1000-$2000
$2765
$470
Speeding 11 - 15 MPH over limit
$2814
$470
Speeding 6 - 10 MPH over limit
$2814
$478
Operating a vehicle without permission
$2863
$478
Open container
$2900
$492
In 65 MPH zone
$3022
$505
Speeding 16 - 20 MPH over limit
$3059
$521
Speeding 21 - 25 MPH over limit
$3168
$527
At-fault accident - greater than $2000
$3413
$581
Reckless driving
$3646
$608
Racing
$3792
$645
Driving with a suspended license
$3928
$655
Refusal to submit to a chemical test
$4013
$682
DUI
$4050
$676
Leaving scene of an accident/hit and run
$4112
$698
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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 Hempstead 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 Hempstead.
The cheapest car insurance premiums in
Hempstead are
offered by American Family at $929 for a six-month policy.
However, it can be as
expensive as $4149 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 Hempstead are offered by American Family
at $820. However,
it can be as expensive as $4209
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Hempstead after Speeding ticket
Car insurance rates in Hempstead have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Hempstead dipped by
$509 in December
compared to $511 of November. In other words, there has been an decrease by $2 when you
compare December and November.
The average cost of liability insurance in the Hempstead dipped to $175 in December,
compared to $181 in November.
This represents an decrease of $6
when comparing December and November.
Average Car Insurance Cost in Hempstead 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
Hempstead. At $2204 for a
six-month policy, insuring
your car at 11549 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 Hempstead?
The car insurance in Hempstead is $91 per month, which is higher than the national average.
What is the cheapest car insurance in Hempstead?
The cheapest car insurance in Hempstead
is $194 per month
for full coverage.
How much is car insurance in Hempstead for teenagers?
Car insurance for teenagers costs $770 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
Hempstead?
The average cost of car insurance is $1029 for a six-month
policy. It will cost around $356 per month to insure your
car in Hempstead.
Is car insurance expensive in Hempstead?
Car insurance can be expensive in Hempstead if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Hempstead can be
affordable.
What is the best car insurance in Hempstead,
NY?
The best car insurance company in Hempstead
NY is
Kemper, offering $1137 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Hempstead, NY
Car Insurance Rates by State in the USA (2025 Update)
Hempstead Car Insurance
