Cheapest Car Insurance Quotes in Hillside Lake

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Hillside Lake Car Insurance

^$ 48

/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 Hillside Lake

The car insurance rate in Hillside Lake is $1251 for a six-month policy, which is $93 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $596, making it a popular choice for budget-conscious drivers. Rates in Hillside Lake 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 Hillside Lake

$1251

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Hillside Lake

1st place: Kemper

At $596 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 $789 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $840 for six months, making it the third cheapest auto insurance company in Hillside Lake.

Hillside Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hillside Lake, NY is Kemper, offering policies at just $596 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $789.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $1918 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hillside Lake drivers find the best deals.

Cheap Car Insurance Companies in Hillside Lake, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$596	$102
New York Central Mutual Fire	$789	$132
Progressive	$840	$141
American Family	$923	$156
NYCM	$1117	$188
USAA	$1238	$208
Erie	$1264	$213
Nationwide	$1379	$230
Travelers	$1405	$237
State Farm	$1674	$282
Allstate	$1873	$315
Chubb	$1918	$320

Key Takeaways

Way's key takeaways about car insurance in Hillside Lake

The auto insurance costs in Hillside Lake fall around $596 for six months.
The cheapest auto insurance company in Hillside Lake is New York Central Mutual Fire.
Teen drivers pay the highest rate in Hillside Lake at $964 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Hillside Lake

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 Hillside Lake are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Hillside Lake. Their Average 6 Month Premium is $282. Preferred Mutual is the most expensive at $744 for the same period.

Cheapest Liability Coverage in Hillside Lake, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$282	$48
NYCM	$334	$55
Kemper	$347	$59
American Family	$417	$70
Progressive	$430	$72
USAA	$552	$93
Erie	$680	$116
Travelers	$731	$122
Allstate	$783	$133
State Farm	$834	$139
Nationwide	$539	$90
Utica National	$616	$105
Preferred Mutual	$744	$124

Cheapest Full Coverage Car Insurance in Hillside Lake

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 Hillside Lake is Kemper at $102 per month and $596 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hillside Lake, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$596	$102
New York Central Mutual Fire	$789	$132
Progressive	$840	$141
American Family	$923	$156
NYCM	$1117	$188
USAA	$1238	$208
Erie	$1264	$213
Nationwide	$1379	$230
Travelers	$1405	$237
State Farm	$1674	$282
Allstate	$1873	$315
Chubb	$1918	$320

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Average Car Insurance in Hillside Lake 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 Hillside Lake, NY increasing?

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

Car Insurance Premiums by Age in Hillside Lake

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

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Cheapest Car Insurance Rates for Teen Drivers in Hillside Lake,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Hillside Lake at $69 per month. At $5728 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$404	$69
American Family	$487	$82
NYCM	$1078	$181
Progressive	$1328	$224
New York Central Mutual Fire	$1405	$239
Erie	$2701	$450
USAA	$2970	$500
Travelers	$3906	$658
Nationwide	$4067	$691
Chubb	$4260	$710
Allstate	$4901	$825
State Farm	$5728	$964

Teen Car Insurance Rates in NY by Age

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 Hillside Lake, Kemper is the cheapest car insurance provider. At $905 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 Hillside Lake is Progressive, offering rates of around $5421 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$905	$151
Nationwide	$1379	$234
Chubb	$1636	$275
USAA	$1988	$338
Erie	$2117	$356
American Family	$2149	$365
NYCM	$2406	$401
Allstate	$2623	$442
Mercury	$2675	$446
State Farm	$2765	$465
Travelers	$3201	$539
Progressive	$5421	$913

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

Car Insurance Rates with An Accident in Hillside Lake

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

Cheapest Car Insurance Companies after an At-Fault Accident in Hillside Lake

The cheapest car insurance companies after an at-fault accident in Hillside Lake include Kemper and American Family, offering $500 and $513, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $622.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$500	$83
American Family	$513	$86
Progressive	$789	$133
NYCM	$802	$135
New York Central Mutual Fire	$949	$159
USAA	$1078	$181
Erie	$1379	$232
Chubb	$1565	$264
Allstate	$1687	$284
Travelers	$1739	$293
Nationwide	$1822	$303
State Farm	$2130	$359
Utica National	$616	$105
Preferred Mutual	$622	$104

Hillside Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hillside Lake NY. For example, the car insurance in Hillside Lake after a DUI increases to $770 for a six month policy. While the rate increases by $122 for a six-month policy in the case of a speeding ticket.

Hillside Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1353	$226
One Med/PIP claim	$1353	$230
One comp claim	$1366	$228
Two comp claims	$1379	$234
Two Med/PIP claims	$1379	$230
Not-at-fault accident	$1386	$235
Failure to show documents	$1405	$234
Failure to wear a seat belt	$1412	$240
Driving with expired registration	$1425	$238
At-fault accident - less than $1000	$1431	$243
Cell phone violation	$1431	$239
Child safety restraint	$1431	$243
Driving without lights	$1431	$239
Failure to stop at a red light	$1431	$243
Failure to yield	$1431	$239
Following too closely	$1431	$243
Illegal turn	$1431	$239
Improper passing	$1431	$243
Passing school bus	$1431	$239
Texting while driving	$1431	$243
Wrong way/wrong lane	$1431	$239
Driving too slowly	$1444	$245
Speeding in school zone	$1444	$241
At-fault accident - $1000-$2000	$1449	$246
Speeding 11 - 15 MPH over limit	$1475	$246
Speeding 6 - 10 MPH over limit	$1475	$251
Operating a vehicle without permission	$1501	$251
Open container	$1521	$258
In 65 MPH zone	$1584	$265
Speeding 16 - 20 MPH over limit	$1604	$273
Speeding 21 - 25 MPH over limit	$1661	$276
At-fault accident - greater than $2000	$1790	$305
Reckless driving	$1912	$319
Racing	$1988	$338
Driving with a suspended license	$2060	$343
Refusal to submit to a chemical test	$2104	$357
DUI	$2123	$354
Leaving scene of an accident/hit and run	$2156	$366

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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 Hillside Lake 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 Hillside Lake.

The cheapest car insurance premiums in Hillside Lake are offered by American Family at $487 for a six-month policy. However, it can be as expensive as $2406 with companies like Chubb.

Hillside Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$487	$82
Kemper	$513	$87
Progressive	$661	$111
NYCM	$1001	$168
New York Central Mutual Fire	$1155	$192
USAA	$1315	$221
Travelers	$1719	$289
Allstate	$2034	$342
Erie	$2097	$350
Nationwide	$2278	$388
State Farm	$2393	$403
Chubb	$2406	$409

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 Hillside Lake are offered by American Family at $430. However, it can be as expensive as $2739 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hillside Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$430	$71
Kemper	$430	$73
Progressive	$622	$105
NYCM	$1008	$172
USAA	$1167	$194
Erie	$1366	$232
Nationwide	$1379	$230
Travelers	$1591	$270
State Farm	$1925	$321
Chubb	$2278	$388
Allstate	$2739	$457

Car Insurance Price Trends in Hillside Lake, New York

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

The average cost of full coverage in the Hillside Lake rose by $297 in January compared to $267 of December. In other words, there has been an increase by $30 when you compare January and December.

The average cost of liability insurance in the Hillside Lake dipped to $86 in January, compared to $92 in December. This represents an decrease of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Hillside Lake?

The car insurance in Hillside Lake is $48 per month, which is lower than the national average.

What is the cheapest car insurance in Hillside Lake?

The cheapest car insurance in Hillside Lake is $102 per month for full coverage.

How much is car insurance in Hillside Lake for teenagers?

Car insurance for teenagers costs $404 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 Hillside Lake?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $210 per month to insure your car in Hillside Lake.

Is car insurance expensive in Hillside Lake?

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

Cheapest Car Insurance Quotes in Hillside Lake

Why you can trust Way?

How Much Is Car Insurance in Hillside Lake

Avg. Car Insurance in Hillside Lake

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Hillside Lake

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Hillside Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Hillside Lake, NY

Way's key takeaways about car insurance in Hillside Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hillside Lake

Cheapest Liability Coverage in Hillside Lake, NY

Cheapest Full Coverage Car Insurance in Hillside Lake

Cheapest Full Coverage Car Insurance Quotes in Hillside Lake, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hillside Lake by Rating Factor

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

Car Insurance Premiums by Age in Hillside Lake

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hillside Lake,NY

If you are in your twenties N/A is the best choice for car insurance in Hillside Lake.

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 Hillside Lake

Cheapest Car Insurance Companies after an At-Fault Accident in Hillside Lake

Hillside Lake Car Insurance Rates by Violation

Hillside Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hillside Lake after a DUI

Hillside Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hillside Lake after Speeding ticket

Car Insurance Price Trends in Hillside Lake, New York

Average Car Insurance Cost in Hillside Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hillside Lake, NY

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

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