Cheapest Car Insurance Quotes in Herricks

Finding the cheapest car insurance quotes in Herricks 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

Herricks Car Insurance

^$ 67

/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 Herricks

The car insurance rate in Herricks is $1574 for a six-month policy, which is $545 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $845, making it a popular choice for budget-conscious drivers. Rates in Herricks 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 Herricks

$1574

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Herricks

1st place: Kemper

At $845 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 $1118 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1128 for six months, making it the third cheapest auto insurance company in Herricks.

Herricks Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Herricks, NY is Kemper, offering policies at just $845 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1118.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2353 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Herricks drivers find the best deals.

Cheap Car Insurance Companies in Herricks, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$845	$144
New York Central Mutual Fire	$1118	$187
Progressive	$1128	$190
American Family	$1308	$220
NYCM	$1372	$231
Erie	$1645	$274
Nationwide	$1654	$282
USAA	$1663	$280
State Farm	$2062	$347
Travelers	$2173	$366
Allstate	$2353	$396

Key Takeaways

Way's key takeaways about car insurance in Herricks

The auto insurance costs in Herricks fall around $845 for six months.
The cheapest auto insurance company in Herricks is New York Central Mutual Fire.
Teen drivers pay the highest rate in Herricks at $1200 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 Herricks

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 Herricks are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Herricks. Their Average 6 Month Premium is $399. Preferred Mutual is the most expensive at $1054 for the same period.

Cheapest Liability Coverage in Herricks, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$399	$67
NYCM	$418	$70
Kemper	$491	$81
Progressive	$581	$98
American Family	$591	$99
USAA	$718	$121
Nationwide	$763	$127
Erie	$964	$164
State Farm	$1118	$188
Travelers	$1200	$202
Allstate	$1255	$211
Utica National	$872	$148
Preferred Mutual	$1054	$176

Cheapest Full Coverage Car Insurance in Herricks

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 Herricks is Kemper at $144 per month and $845 for six months.

Cheapest Full Coverage Car Insurance Quotes in Herricks, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$845	$144
New York Central Mutual Fire	$1118	$187
Progressive	$1128	$190
American Family	$1308	$220
NYCM	$1372	$231
Erie	$1645	$274
Nationwide	$1654	$282
USAA	$1663	$280
State Farm	$2062	$347
Travelers	$2173	$366
Allstate	$2353	$396

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Herricks Instantly!

Average Car Insurance in Herricks 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 Herricks, NY increasing?

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

Car Insurance Premiums by Age in Herricks

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	$861
30s	National Grange Mutual	$614
40s	National Grange Mutual	$591
50s	National Grange Mutual	$600
60s	National Grange Mutual	$646
70s	National Grange Mutual	$886

Cheapest Car Insurance Rates for Teen Drivers in Herricks,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Herricks at $95 per month. At $7125 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$572	$95
American Family	$690	$116
NYCM	$1154	$194
Progressive	$1827	$308
New York Central Mutual Fire	$1991	$332
USAA	$3654	$615
Nationwide	$4772	$796
Travelers	$5907	$995
Allstate	$6389	$1076
State Farm	$7125	$1200

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 Herricks.

As young drivers face the highest rates in Herricks, National Grange Mutual offers the cheapest auto insurance rates at $861 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 Herricks, Chubb is the cheapest car insurance provider. At $1227 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 Herricks is Progressive, offering rates of around $7916 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1227	$205
Kemper	$1282	$217
Nationwide	$1654	$275
USAA	$2290	$390
NYCM	$2390	$398
Erie	$2590	$441
American Family	$3045	$508
Allstate	$3117	$525
State Farm	$3227	$543
Mercury	$3790	$644
Travelers	$3871	$652
Progressive	$7916	$1333

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Herricks

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

Cheapest Car Insurance Companies after an At-Fault Accident in Herricks

The cheapest car insurance companies after an at-fault accident in Herricks include Kemper and American Family, offering $708 and $727, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $881.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$708	$118
American Family	$727	$122
NYCM	$881	$148
Erie	$964	$164
Chubb	$1063	$177
Progressive	$1163	$196
New York Central Mutual Fire	$1345	$225
USAA	$1444	$243
Nationwide	$2173	$363
Allstate	$2191	$369
State Farm	$2645	$445
Travelers	$2690	$453
Utica National	$872	$148
Preferred Mutual	$881	$147

Herricks Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Herricks NY. For example, the car insurance in Herricks after a DUI increases to $1091 for a six month policy. While the rate increases by $173 for a six-month policy in the case of a speeding ticket.

Herricks auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1917	$320
One Med/PIP claim	$1917	$326
One comp claim	$1935	$323
Two comp claims	$1954	$332
Two Med/PIP claims	$1954	$326
Not-at-fault accident	$1963	$334
Failure to show documents	$1991	$332
Failure to wear a seat belt	$2000	$340
Driving with expired registration	$2018	$337
At-fault accident - less than $1000	$2027	$344
Cell phone violation	$2027	$338
Child safety restraint	$2027	$344
Driving without lights	$2027	$338
Failure to stop at a red light	$2027	$344
Failure to yield	$2027	$338
Following too closely	$2027	$344
Illegal turn	$2027	$338
Improper passing	$2027	$344
Passing school bus	$2027	$338
Texting while driving	$2027	$344
Wrong way/wrong lane	$2027	$338
Driving too slowly	$2046	$347
Speeding in school zone	$2046	$341
At-fault accident - $1000-$2000	$2053	$349
Speeding 11 - 15 MPH over limit	$2090	$349
Speeding 6 - 10 MPH over limit	$2090	$355
Operating a vehicle without permission	$2127	$355
Open container	$2154	$366
In 65 MPH zone	$2245	$375
Speeding 16 - 20 MPH over limit	$2272	$387
Speeding 21 - 25 MPH over limit	$2353	$392
At-fault accident - greater than $2000	$2535	$431
Reckless driving	$2708	$451
Racing	$2817	$479
Driving with a suspended license	$2918	$487
Refusal to submit to a chemical test	$2980	$506
DUI	$3008	$502
Leaving scene of an accident/hit and run	$3054	$519

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 Herricks 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 Herricks.

The cheapest car insurance premiums in Herricks are offered by American Family at $690 for a six-month policy. However, it can be as expensive as $3081 with companies like State Farm.

Herricks car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$690	$116
Kemper	$727	$124
Progressive	$881	$148
NYCM	$1109	$187
New York Central Mutual Fire	$1636	$272
USAA	$1744	$294
Allstate	$2590	$436
Travelers	$2662	$448
Nationwide	$2699	$450
State Farm	$3081	$519

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 Herricks are offered by American Family at $609. However, it can be as expensive as $3126 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Herricks after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$609	$104
Kemper	$609	$101
Progressive	$754	$127
NYCM	$1008	$168
USAA	$1372	$234
Nationwide	$1891	$315
State Farm	$2046	$347
Travelers	$2990	$499
Allstate	$3126	$531

Car Insurance Price Trends in Herricks, New York

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

The average cost of full coverage in the Herricks dipped by $378 in December compared to $379 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 Herricks dipped to $130 in December, compared to $135 in November. This represents an decrease of $5 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 Herricks?

The car insurance in Herricks is $67 per month, which is lower than the national average.

What is the cheapest car insurance in Herricks?

The cheapest car insurance in Herricks is $144 per month for full coverage.

How much is car insurance in Herricks for teenagers?

Car insurance for teenagers costs $572 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 Herricks?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $265 per month to insure your car in Herricks.

Is car insurance expensive in Herricks?

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

Cheapest Car Insurance Quotes in Herricks

Why you can trust Way?

How Much Is Car Insurance in Herricks

Avg. Car Insurance in Herricks

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Herricks

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Herricks Car Insurance Rates by Company

Cheap Car Insurance Companies in Herricks, NY

Way's key takeaways about car insurance in Herricks

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Herricks

Cheapest Liability Coverage in Herricks, NY

Cheapest Full Coverage Car Insurance in Herricks

Cheapest Full Coverage Car Insurance Quotes in Herricks, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Herricks by Rating Factor

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

Car Insurance Premiums by Age in Herricks

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Herricks,NY

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

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 Herricks

Cheapest Car Insurance Companies after an At-Fault Accident in Herricks

Herricks Car Insurance Rates by Violation

Herricks auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Herricks after a DUI

Herricks car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Herricks after Speeding ticket

Car Insurance Price Trends in Herricks, New York

Average Car Insurance Cost in Herricks by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Herricks, NY

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

Featured Blogs

Data Sources