Cheapest Car Insurance Quotes in Hewlett Bay Park

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Hewlett Bay Park Car Insurance

^$ 79

/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 Hewlett Bay Park

The car insurance rate in Hewlett Bay Park is $1852 for a six-month policy, which is $823 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $994, making it a popular choice for budget-conscious drivers. Rates in Hewlett Bay Park 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 Hewlett Bay Park

$1852

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Hewlett Bay Park

1st place: Kemper

At $994 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 $1316 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1327 for six months, making it the third cheapest auto insurance company in Hewlett Bay Park.

Hewlett Bay Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hewlett Bay Park, NY is Kemper, offering policies at just $994 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1316.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2768 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hewlett Bay Park drivers find the best deals.

Cheap Car Insurance Companies in Hewlett Bay Park, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$994	$169
New York Central Mutual Fire	$1316	$220
Progressive	$1327	$223
American Family	$1539	$259
NYCM	$1615	$272
Erie	$1935	$322
Nationwide	$1946	$331
USAA	$1957	$329
State Farm	$2426	$409
Travelers	$2556	$430
Allstate	$2768	$466

Key Takeaways

Way's key takeaways about car insurance in Hewlett Bay Park

The auto insurance costs in Hewlett Bay Park fall around $994 for six months.
The cheapest auto insurance company in Hewlett Bay Park is New York Central Mutual Fire.
Teen drivers pay the highest rate in Hewlett Bay Park at $1411 per month.

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Cheapest Minimum Liability Car Insurance in Hewlett Bay Park

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 Hewlett Bay Park are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Hewlett Bay Park. Their Average 6 Month Premium is $470. Preferred Mutual is the most expensive at $1240 for the same period.

Cheapest Liability Coverage in Hewlett Bay Park, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$470	$79
NYCM	$491	$83
Kemper	$578	$95
Progressive	$684	$115
American Family	$695	$117
USAA	$844	$142
Nationwide	$898	$149
Erie	$1134	$193
State Farm	$1316	$221
Travelers	$1411	$238
Allstate	$1476	$248
Utica National	$1026	$175
Preferred Mutual	$1240	$207

Cheapest Full Coverage Car Insurance in Hewlett Bay Park

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 Hewlett Bay Park is Kemper at $169 per month and $994 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hewlett Bay Park, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$994	$169
New York Central Mutual Fire	$1316	$220
Progressive	$1327	$223
American Family	$1539	$259
NYCM	$1615	$272
Erie	$1935	$322
Nationwide	$1946	$331
USAA	$1957	$329
State Farm	$2426	$409
Travelers	$2556	$430
Allstate	$2768	$466

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Average Car Insurance in Hewlett Bay Park 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 Hewlett Bay Park, NY increasing?

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

Car Insurance Premiums by Age in Hewlett Bay Park

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	$1013
30s	National Grange Mutual	$722
40s	National Grange Mutual	$695
50s	National Grange Mutual	$706
60s	National Grange Mutual	$760
70s	National Grange Mutual	$1042

Cheapest Car Insurance Rates for Teen Drivers in Hewlett Bay Park,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Hewlett Bay Park at $112 per month. At $8383 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$673	$112
American Family	$812	$137
NYCM	$1357	$229
Progressive	$2149	$362
New York Central Mutual Fire	$2342	$391
USAA	$4298	$724
Nationwide	$5614	$936
Travelers	$6950	$1170
Allstate	$7517	$1265
State Farm	$8383	$1411

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 Hewlett Bay Park.

As young drivers face the highest rates in Hewlett Bay Park, National Grange Mutual offers the cheapest auto insurance rates at $1013 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 Hewlett Bay Park, Chubb is the cheapest car insurance provider. At $1444 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 Hewlett Bay Park is Progressive, offering rates of around $9313 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1444	$241
Kemper	$1508	$256
Nationwide	$1946	$324
USAA	$2695	$459
NYCM	$2812	$468
Erie	$3047	$518
American Family	$3582	$598
Allstate	$3667	$617
State Farm	$3796	$639
Mercury	$4459	$758
Travelers	$4554	$767
Progressive	$9313	$1568

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Hewlett Bay Park.

Car Insurance Rates with An Accident in Hewlett Bay Park

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 Hewlett Bay Park, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Hewlett Bay Park

The cheapest car insurance companies after an at-fault accident in Hewlett Bay Park include Kemper and American Family, offering $833 and $855, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $1037.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$833	$139
American Family	$855	$144
NYCM	$1037	$175
Erie	$1134	$193
Chubb	$1251	$209
Progressive	$1368	$230
New York Central Mutual Fire	$1582	$265
USAA	$1699	$286
Nationwide	$2556	$427
Allstate	$2578	$434
State Farm	$3112	$524
Travelers	$3164	$533
Utica National	$1026	$175
Preferred Mutual	$1037	$173

Hewlett Bay Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hewlett Bay Park NY. For example, the car insurance in Hewlett Bay Park after a DUI increases to $1284 for a six month policy. While the rate increases by $204 for a six-month policy in the case of a speeding ticket.

Hewlett Bay Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2255	$376
One Med/PIP claim	$2255	$383
One comp claim	$2277	$380
Two comp claims	$2299	$391
Two Med/PIP claims	$2299	$383
Not-at-fault accident	$2309	$392
Failure to show documents	$2342	$391
Failure to wear a seat belt	$2353	$400
Driving with expired registration	$2374	$396
At-fault accident - less than $1000	$2385	$405
Cell phone violation	$2385	$398
Child safety restraint	$2385	$405
Driving without lights	$2385	$398
Failure to stop at a red light	$2385	$405
Failure to yield	$2385	$398
Following too closely	$2385	$405
Illegal turn	$2385	$398
Improper passing	$2385	$405
Passing school bus	$2385	$398
Texting while driving	$2385	$405
Wrong way/wrong lane	$2385	$398
Driving too slowly	$2407	$409
Speeding in school zone	$2407	$401
At-fault accident - $1000-$2000	$2416	$410
Speeding 11 - 15 MPH over limit	$2459	$410
Speeding 6 - 10 MPH over limit	$2459	$418
Operating a vehicle without permission	$2502	$418
Open container	$2534	$430
In 65 MPH zone	$2641	$441
Speeding 16 - 20 MPH over limit	$2673	$455
Speeding 21 - 25 MPH over limit	$2768	$461
At-fault accident - greater than $2000	$2983	$508
Reckless driving	$3186	$531
Racing	$3314	$563
Driving with a suspended license	$3433	$572
Refusal to submit to a chemical test	$3506	$596
DUI	$3539	$590
Leaving scene of an accident/hit and run	$3593	$610

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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 Hewlett Bay Park 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 Hewlett Bay Park.

The cheapest car insurance premiums in Hewlett Bay Park are offered by American Family at $812 for a six-month policy. However, it can be as expensive as $3625 with companies like State Farm.

Hewlett Bay Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$812	$137
Kemper	$855	$146
Progressive	$1037	$175
NYCM	$1305	$220
New York Central Mutual Fire	$1924	$320
USAA	$2052	$346
Allstate	$3047	$513
Travelers	$3132	$527
Nationwide	$3175	$529
State Farm	$3625	$610

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 Hewlett Bay Park are offered by American Family at $716. However, it can be as expensive as $3677 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hewlett Bay Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$716	$122
Kemper	$716	$119
Progressive	$887	$149
NYCM	$1186	$198
USAA	$1615	$275
Nationwide	$2225	$371
State Farm	$2407	$409
Travelers	$3517	$587
Allstate	$3677	$625

Car Insurance Price Trends in Hewlett Bay Park, New York

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

The average cost of full coverage in the Hewlett Bay Park dipped by $445 in December compared to $446 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 Hewlett Bay Park dipped to $153 in December, compared to $158 in November. This represents an decrease of $5 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Hewlett Bay Park?

The car insurance in Hewlett Bay Park is $79 per month, which is lower than the national average.

What is the cheapest car insurance in Hewlett Bay Park?

The cheapest car insurance in Hewlett Bay Park is $169 per month for full coverage.

How much is car insurance in Hewlett Bay Park for teenagers?

Car insurance for teenagers costs $673 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 Hewlett Bay Park?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $311 per month to insure your car in Hewlett Bay Park.

Is car insurance expensive in Hewlett Bay Park?

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

Cheapest Car Insurance Quotes in Hewlett Bay Park

Why you can trust Way?

How Much Is Car Insurance in Hewlett Bay Park

Avg. Car Insurance in Hewlett Bay Park

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Hewlett Bay Park

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Hewlett Bay Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Hewlett Bay Park, NY

Way's key takeaways about car insurance in Hewlett Bay Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hewlett Bay Park

Cheapest Liability Coverage in Hewlett Bay Park, NY

Cheapest Full Coverage Car Insurance in Hewlett Bay Park

Cheapest Full Coverage Car Insurance Quotes in Hewlett Bay Park, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hewlett Bay Park by Rating Factor

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

Car Insurance Premiums by Age in Hewlett Bay Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hewlett Bay Park,NY

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

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 Hewlett Bay Park

Cheapest Car Insurance Companies after an At-Fault Accident in Hewlett Bay Park

Hewlett Bay Park Car Insurance Rates by Violation

Hewlett Bay Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hewlett Bay Park after a DUI

Hewlett Bay Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hewlett Bay Park after Speeding ticket

Car Insurance Price Trends in Hewlett Bay Park, New York

Average Car Insurance Cost in Hewlett Bay Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hewlett Bay Park, NY

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

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