Cheapest Car Insurance Quotes in Hillcrest

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Hillcrest Car Insurance

^$ 58

/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 Hillcrest

The car insurance rate in Hillcrest is $1348 for a six-month policy, which is $319 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $723, making it a popular choice for budget-conscious drivers. Rates in Hillcrest 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 Hillcrest

$1348

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Hillcrest

1st place: Kemper

At $723 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 $958 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $965 for six months, making it the third cheapest auto insurance company in Hillcrest.

Hillcrest Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hillcrest, NY is Kemper, offering policies at just $723 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $958.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2015 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hillcrest drivers find the best deals.

Cheap Car Insurance Companies in Hillcrest, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$723	$123
New York Central Mutual Fire	$958	$160
Progressive	$965	$162
American Family	$1120	$189
NYCM	$1175	$198
Erie	$1408	$234
Nationwide	$1416	$241
USAA	$1424	$240
State Farm	$1766	$297
Travelers	$1860	$313
Allstate	$2015	$339

Key Takeaways

Way's key takeaways about car insurance in Hillcrest

The auto insurance costs in Hillcrest fall around $723 for six months.
The cheapest auto insurance company in Hillcrest is New York Central Mutual Fire.
Teen drivers pay the highest rate in Hillcrest at $1027 per month.

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Cheapest Minimum Liability Car Insurance in Hillcrest

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 Hillcrest are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Hillcrest. Their Average 6 Month Premium is $342. Preferred Mutual is the most expensive at $903 for the same period.

Cheapest Liability Coverage in Hillcrest, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$342	$58
NYCM	$358	$60
Kemper	$421	$69
Progressive	$498	$84
American Family	$506	$85
USAA	$614	$103
Nationwide	$654	$109
Erie	$825	$140
State Farm	$958	$161
Travelers	$1027	$173
Allstate	$1074	$181
Utica National	$747	$127
Preferred Mutual	$903	$151

Cheapest Full Coverage Car Insurance in Hillcrest

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 Hillcrest is Kemper at $123 per month and $723 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hillcrest, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$723	$123
New York Central Mutual Fire	$958	$160
Progressive	$965	$162
American Family	$1120	$189
NYCM	$1175	$198
Erie	$1408	$234
Nationwide	$1416	$241
USAA	$1424	$240
State Farm	$1766	$297
Travelers	$1860	$313
Allstate	$2015	$339

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Average Car Insurance in Hillcrest 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 Hillcrest, NY increasing?

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

Car Insurance Premiums by Age in Hillcrest

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	$738
30s	National Grange Mutual	$525
40s	National Grange Mutual	$506
50s	National Grange Mutual	$514
60s	National Grange Mutual	$553
70s	National Grange Mutual	$758

Cheapest Car Insurance Rates for Teen Drivers in Hillcrest,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Hillcrest at $81 per month. At $6101 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$490	$81
American Family	$591	$100
NYCM	$988	$166
Progressive	$1564	$263
New York Central Mutual Fire	$1704	$284
USAA	$3128	$527
Nationwide	$4086	$681
Travelers	$5058	$852
Allstate	$5471	$921
State Farm	$6101	$1027

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 Hillcrest.

As young drivers face the highest rates in Hillcrest, National Grange Mutual offers the cheapest auto insurance rates at $738 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 Hillcrest, Chubb is the cheapest car insurance provider. At $1051 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 Hillcrest is Progressive, offering rates of around $6778 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1051	$176
Kemper	$1098	$186
Nationwide	$1416	$236
USAA	$1961	$334
NYCM	$2046	$341
Erie	$2218	$377
American Family	$2607	$435
Allstate	$2668	$449
State Farm	$2763	$465
Mercury	$3245	$552
Travelers	$3314	$558
Progressive	$6778	$1141

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Car Insurance Rates with An Accident in Hillcrest

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

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

The cheapest car insurance companies after an at-fault accident in Hillcrest include Kemper and American Family, offering $607 and $622, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $755.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$607	$101
American Family	$622	$105
NYCM	$755	$127
Erie	$825	$140
Chubb	$910	$152
Progressive	$996	$168
New York Central Mutual Fire	$1151	$193
USAA	$1237	$208
Nationwide	$1860	$310
Allstate	$1876	$316
State Farm	$2265	$381
Travelers	$2303	$388
Utica National	$747	$127
Preferred Mutual	$755	$126

Hillcrest Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hillcrest NY. For example, the car insurance in Hillcrest after a DUI increases to $934 for a six month policy. While the rate increases by $148 for a six-month policy in the case of a speeding ticket.

Hillcrest auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1641	$274
One Med/PIP claim	$1641	$279
One comp claim	$1657	$276
Two comp claims	$1673	$284
Two Med/PIP claims	$1673	$279
Not-at-fault accident	$1681	$286
Failure to show documents	$1704	$284
Failure to wear a seat belt	$1712	$291
Driving with expired registration	$1728	$288
At-fault accident - less than $1000	$1736	$295
Cell phone violation	$1736	$290
Child safety restraint	$1736	$295
Driving without lights	$1736	$290
Failure to stop at a red light	$1736	$295
Failure to yield	$1736	$290
Following too closely	$1736	$295
Illegal turn	$1736	$290
Improper passing	$1736	$295
Passing school bus	$1736	$290
Texting while driving	$1736	$295
Wrong way/wrong lane	$1736	$290
Driving too slowly	$1751	$297
Speeding in school zone	$1751	$292
At-fault accident - $1000-$2000	$1758	$299
Speeding 11 - 15 MPH over limit	$1789	$299
Speeding 6 - 10 MPH over limit	$1789	$304
Operating a vehicle without permission	$1821	$304
Open container	$1844	$313
In 65 MPH zone	$1922	$321
Speeding 16 - 20 MPH over limit	$1945	$331
Speeding 21 - 25 MPH over limit	$2015	$335
At-fault accident - greater than $2000	$2171	$369
Reckless driving	$2319	$386
Racing	$2412	$410
Driving with a suspended license	$2498	$417
Refusal to submit to a chemical test	$2552	$434
DUI	$2575	$430
Leaving scene of an accident/hit and run	$2615	$444

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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 Hillcrest 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 Hillcrest.

The cheapest car insurance premiums in Hillcrest are offered by American Family at $591 for a six-month policy. However, it can be as expensive as $2638 with companies like State Farm.

Hillcrest car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$591	$100
Kemper	$622	$106
Progressive	$755	$127
NYCM	$950	$160
New York Central Mutual Fire	$1400	$233
USAA	$1493	$252
Allstate	$2218	$373
Travelers	$2279	$384
Nationwide	$2311	$385
State Farm	$2638	$444

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 Hillcrest are offered by American Family at $521. However, it can be as expensive as $2676 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hillcrest after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$521	$89
Kemper	$521	$86
Progressive	$646	$109
NYCM	$863	$144
USAA	$1175	$200
Nationwide	$1619	$270
State Farm	$1751	$297
Travelers	$2560	$427
Allstate	$2676	$455

Car Insurance Price Trends in Hillcrest, New York

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

The average cost of full coverage in the Hillcrest dipped by $324 in December compared to $325 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 Hillcrest dipped to $111 in December, compared to $115 in November. This represents an decrease of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Hillcrest?

The car insurance in Hillcrest is $58 per month, which is lower than the national average.

What is the cheapest car insurance in Hillcrest?

The cheapest car insurance in Hillcrest is $123 per month for full coverage.

How much is car insurance in Hillcrest for teenagers?

Car insurance for teenagers costs $490 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 Hillcrest?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $227 per month to insure your car in Hillcrest.

Is car insurance expensive in Hillcrest?

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

Cheapest Car Insurance Quotes in Hillcrest

Why you can trust Way?

How Much Is Car Insurance in Hillcrest

Avg. Car Insurance in Hillcrest

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Hillcrest

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Hillcrest Car Insurance Rates by Company

Cheap Car Insurance Companies in Hillcrest, NY

Way's key takeaways about car insurance in Hillcrest

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hillcrest

Cheapest Liability Coverage in Hillcrest, NY

Cheapest Full Coverage Car Insurance in Hillcrest

Cheapest Full Coverage Car Insurance Quotes in Hillcrest, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hillcrest by Rating Factor

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

Car Insurance Premiums by Age in Hillcrest

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hillcrest,NY

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

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 Hillcrest

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

Hillcrest Car Insurance Rates by Violation

Hillcrest auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hillcrest after a DUI

Hillcrest car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hillcrest after Speeding ticket

Car Insurance Price Trends in Hillcrest, New York

Average Car Insurance Cost in Hillcrest by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hillcrest, NY

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

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