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Finding the cheapest car insurance quotes in Hillsdale 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 Hillsdale
The car insurance rate in Hillsdale is $1065 for a six-month policy, which is $93 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $508, making it a popular choice for budget-conscious drivers. Rates in Hillsdale 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 $508 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 $673 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $716
for six months, making it
the third cheapest auto insurance company in Hillsdale.
Hillsdale Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Hillsdale, NY is Kemper, offering policies at just $508 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $673.
At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $1634 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hillsdale drivers find the best deals.
Way's key takeaways about car insurance in Hillsdale
The auto insurance costs in Hillsdale fall around $508 for six
months.
The cheapest auto insurance company in Hillsdale is New York Central Mutual Fire.
Teen drivers pay the highest rate in Hillsdale at $822 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 Hillsdale
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 Hillsdale are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in Hillsdale. Their Average 6 Month Premium is $240.
Preferred Mutual is the most
expensive at $634 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 Hillsdale is Kemper
at $86 per month and $508
for six months.
Cheapest Full Coverage Car Insurance Quotes in Hillsdale,
NY
Get Your Car Insurance Quote in Hillsdale
Instantly!
Average Car Insurance in Hillsdale 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 Hillsdale, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Hillsdale, 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, Hillsdale's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Hillsdale
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
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Cheapest Car Insurance Rates for Teen Drivers in
Hillsdale,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Hillsdale at $59
per
month. At $4880 for a six-month premium,
State Farm offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Hillsdale.
As young drivers face the highest rates in Hillsdale, N/A
offers the cheapest auto insurance rates at $N/A 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 Hillsdale,
Kemper is
the cheapest car insurance provider. At $771 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
Hillsdale is Progressive, offering
rates of around $4617 for six
months.
Save up to $971/yr on car insurance rates in Hillsdale.
Car Insurance Rates with An Accident in Hillsdale
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 Hillsdale, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Hillsdale
The cheapest car insurance companies after an at-fault accident in
Hillsdale include Kemper
and American Family, offering $426
and $437,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$530.
Here is a list of driving violations that can increase your car
insurance rates in Hillsdale NY. For example, the car
insurance in Hillsdale
after a DUI increases to $656 for a six
month policy. While the rate increases by $104 for a six-month policy in the case of
a speeding ticket.
Hillsdale auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1153
$192
One Med/PIP claim
$1153
$196
One comp claim
$1164
$194
Two comp claims
$1175
$200
Two Med/PIP claims
$1175
$196
Not-at-fault accident
$1180
$201
Failure to show documents
$1197
$200
Failure to wear a seat belt
$1202
$204
Driving with expired registration
$1213
$202
At-fault accident - less than $1000
$1219
$207
Cell phone violation
$1219
$203
Child safety restraint
$1219
$207
Driving without lights
$1219
$203
Failure to stop at a red light
$1219
$207
Failure to yield
$1219
$203
Following too closely
$1219
$207
Illegal turn
$1219
$203
Improper passing
$1219
$207
Passing school bus
$1219
$203
Texting while driving
$1219
$207
Wrong way/wrong lane
$1219
$203
Driving too slowly
$1230
$209
Speeding in school zone
$1230
$205
At-fault accident - $1000-$2000
$1235
$210
Speeding 11 - 15 MPH over limit
$1257
$210
Speeding 6 - 10 MPH over limit
$1257
$213
Operating a vehicle without permission
$1279
$213
Open container
$1295
$220
In 65 MPH zone
$1350
$225
Speeding 16 - 20 MPH over limit
$1366
$233
Speeding 21 - 25 MPH over limit
$1415
$236
At-fault accident - greater than $2000
$1524
$259
Reckless driving
$1628
$271
Racing
$1694
$288
Driving with a suspended license
$1754
$293
Refusal to submit to a chemical test
$1792
$305
DUI
$1809
$302
Leaving scene of an accident/hit and run
$1836
$312
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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 Hillsdale 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 Hillsdale.
The cheapest car insurance premiums in
Hillsdale are
offered by American Family at $415 for a six-month policy.
However, it can be as
expensive as $2050 with companies
like Chubb.
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 Hillsdale are offered by American Family
at $366. However,
it can be as expensive as $2333
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Hillsdale after Speeding ticket
Car insurance rates in Hillsdale have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Hillsdale rose by
$253 in January
compared to $227 of December. In other words, there has been an increase by $26 when you
compare January and December.
The average cost of liability insurance in the Hillsdale dipped to $74 in January,
compared to $78 in December.
This represents an decrease of $4
when comparing January and December.
Average Car Insurance Cost in Hillsdale 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
Hillsdale. At $2130 for a
six-month policy, insuring
your car at 12529 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 Hillsdale?
The car insurance in Hillsdale is $40 per month, which is lower than the national average.
What is the cheapest car insurance in Hillsdale?
The cheapest car insurance in Hillsdale
is $86 per month
for full coverage.
How much is car insurance in Hillsdale for teenagers?
Car insurance for teenagers costs $344 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
Hillsdale?
The average cost of car insurance is $1158 for a six-month
policy. It will cost around $178 per month to insure your
car in Hillsdale.
Is car insurance expensive in Hillsdale?
Car insurance can be expensive in Hillsdale if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Hillsdale can be
affordable.
What is the best car insurance in Hillsdale,
NY?
The best car insurance company in Hillsdale
NY is
Kemper, offering $508 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Hillsdale, NY
Car Insurance Rates by State in the USA (2025 Update)
Hillsdale Car Insurance
