Cheapest Car Insurance Quotes in Huntington Bay

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Huntington Bay Car Insurance

^$ 64

/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 Huntington Bay

The car insurance rate in Huntington Bay is $1691 for a six-month policy, which is $533 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $806, making it a popular choice for budget-conscious drivers. Rates in Huntington Bay 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 Huntington Bay

$1691

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Huntington Bay

1st place: Kemper

At $806 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 $1067 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1136 for six months, making it the third cheapest auto insurance company in Huntington Bay.

Huntington Bay Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Huntington Bay, NY is Kemper, offering policies at just $806 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1067.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $2593 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Huntington Bay drivers find the best deals.

Cheap Car Insurance Companies in Huntington Bay, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$806	$137
New York Central Mutual Fire	$1067	$178
Progressive	$1136	$191
American Family	$1248	$210
NYCM	$1510	$254
USAA	$1673	$282
Erie	$1708	$288
Nationwide	$1864	$311
Travelers	$1899	$320
State Farm	$2263	$381
Allstate	$2532	$426
Chubb	$2593	$432

Key Takeaways

Way's key takeaways about car insurance in Huntington Bay

The auto insurance costs in Huntington Bay fall around $806 for six months.
The cheapest auto insurance company in Huntington Bay is New York Central Mutual Fire.
Teen drivers pay the highest rate in Huntington Bay at $1304 per month.

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

Cheapest Minimum Liability Car Insurance in Huntington Bay

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 Huntington Bay are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Huntington Bay. Their Average 6 Month Premium is $381. Preferred Mutual is the most expensive at $1006 for the same period.

Cheapest Liability Coverage in Huntington Bay, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$381	$64
NYCM	$451	$74
Kemper	$469	$80
American Family	$564	$95
Progressive	$581	$98
USAA	$746	$126
Erie	$920	$156
Travelers	$988	$165
Allstate	$1059	$180
State Farm	$1127	$188
Nationwide	$729	$121
Utica National	$832	$142
Preferred Mutual	$1006	$168

Cheapest Full Coverage Car Insurance in Huntington Bay

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 Huntington Bay is Kemper at $137 per month and $806 for six months.

Cheapest Full Coverage Car Insurance Quotes in Huntington Bay, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$806	$137
New York Central Mutual Fire	$1067	$178
Progressive	$1136	$191
American Family	$1248	$210
NYCM	$1510	$254
USAA	$1673	$282
Erie	$1708	$288
Nationwide	$1864	$311
Travelers	$1899	$320
State Farm	$2263	$381
Allstate	$2532	$426
Chubb	$2593	$432

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Average Car Insurance in Huntington Bay 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 Huntington Bay, NY increasing?

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

Car Insurance Premiums by Age in Huntington Bay

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 Huntington Bay,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Huntington Bay at $93 per month. At $7744 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$546	$93
American Family	$658	$111
NYCM	$1457	$245
Progressive	$1796	$302
New York Central Mutual Fire	$1899	$323
Erie	$3651	$609
USAA	$4015	$676
Travelers	$5281	$889
Nationwide	$5498	$934
Chubb	$5758	$959
Allstate	$6625	$1115
State Farm	$7744	$1304

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 Huntington Bay, Kemper is the cheapest car insurance provider. At $1223 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 Huntington Bay is Progressive, offering rates of around $7328 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1223	$204
Nationwide	$1864	$317
Chubb	$2212	$372
USAA	$2688	$457
Erie	$2862	$482
American Family	$2905	$493
NYCM	$3253	$542
Allstate	$3546	$597
Mercury	$3616	$603
State Farm	$3738	$629
Travelers	$4327	$729
Progressive	$7328	$1234

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Car Insurance Rates with An Accident in Huntington Bay

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

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

The cheapest car insurance companies after an at-fault accident in Huntington Bay include Kemper and American Family, offering $676 and $694, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $841.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$676	$112
American Family	$694	$117
Progressive	$1067	$180
NYCM	$1085	$183
New York Central Mutual Fire	$1283	$215
USAA	$1457	$245
Erie	$1864	$314
Chubb	$2116	$356
Allstate	$2281	$384
Travelers	$2351	$396
Nationwide	$2463	$410
State Farm	$2879	$485
Utica National	$832	$142
Preferred Mutual	$841	$140

Huntington Bay Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Huntington Bay NY. For example, the car insurance in Huntington Bay after a DUI increases to $1041 for a six month policy. While the rate increases by $165 for a six-month policy in the case of a speeding ticket.

Huntington Bay auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1829	$305
One Med/PIP claim	$1829	$311
One comp claim	$1847	$308
Two comp claims	$1864	$317
Two Med/PIP claims	$1864	$311
Not-at-fault accident	$1873	$318
Failure to show documents	$1899	$317
Failure to wear a seat belt	$1908	$324
Driving with expired registration	$1926	$321
At-fault accident - less than $1000	$1935	$329
Cell phone violation	$1935	$323
Child safety restraint	$1935	$329
Driving without lights	$1935	$323
Failure to stop at a red light	$1935	$329
Failure to yield	$1935	$323
Following too closely	$1935	$329
Illegal turn	$1935	$323
Improper passing	$1935	$329
Passing school bus	$1935	$323
Texting while driving	$1935	$329
Wrong way/wrong lane	$1935	$323
Driving too slowly	$1952	$331
Speeding in school zone	$1952	$326
At-fault accident - $1000-$2000	$1959	$333
Speeding 11 - 15 MPH over limit	$1994	$333
Speeding 6 - 10 MPH over limit	$1994	$339
Operating a vehicle without permission	$2029	$339
Open container	$2056	$349
In 65 MPH zone	$2142	$358
Speeding 16 - 20 MPH over limit	$2168	$369
Speeding 21 - 25 MPH over limit	$2245	$374
At-fault accident - greater than $2000	$2419	$412
Reckless driving	$2584	$431
Racing	$2688	$457
Driving with a suspended license	$2784	$464
Refusal to submit to a chemical test	$2844	$483
DUI	$2870	$479
Leaving scene of an accident/hit and run	$2914	$495

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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 Huntington Bay 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 Huntington Bay.

The cheapest car insurance premiums in Huntington Bay are offered by American Family at $658 for a six-month policy. However, it can be as expensive as $3253 with companies like Chubb.

Huntington Bay car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$658	$111
Kemper	$694	$118
Progressive	$894	$150
NYCM	$1353	$228
New York Central Mutual Fire	$1561	$260
USAA	$1778	$299
Travelers	$2324	$391
Allstate	$2749	$463
Erie	$2835	$473
Nationwide	$3079	$524
State Farm	$3235	$545
Chubb	$3253	$553

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 Huntington Bay are offered by American Family at $581. However, it can be as expensive as $3703 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Huntington Bay after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$581	$96
Kemper	$581	$99
Progressive	$841	$142
NYCM	$1362	$232
USAA	$1578	$263
Erie	$1847	$314
Nationwide	$1864	$311
Travelers	$2151	$365
State Farm	$2602	$434
Chubb	$3079	$524
Allstate	$3703	$618

Car Insurance Price Trends in Huntington Bay, New York

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

The average cost of full coverage in the Huntington Bay rose by $402 in January compared to $361 of December. In other words, there has been an increase by $41 when you compare January and December.

The average cost of liability insurance in the Huntington Bay dipped to $117 in January, compared to $124 in December. This represents an decrease of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Huntington Bay?

The car insurance in Huntington Bay is $64 per month, which is lower than the national average.

What is the cheapest car insurance in Huntington Bay?

The cheapest car insurance in Huntington Bay is $137 per month for full coverage.

How much is car insurance in Huntington Bay for teenagers?

Car insurance for teenagers costs $546 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 Huntington Bay?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $283 per month to insure your car in Huntington Bay.

Is car insurance expensive in Huntington Bay?

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

Cheapest Car Insurance Quotes in Huntington Bay

Why you can trust Way?

How Much Is Car Insurance in Huntington Bay

Avg. Car Insurance in Huntington Bay

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Huntington Bay

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Huntington Bay Car Insurance Rates by Company

Cheap Car Insurance Companies in Huntington Bay, NY

Way's key takeaways about car insurance in Huntington Bay

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Huntington Bay

Cheapest Liability Coverage in Huntington Bay, NY

Cheapest Full Coverage Car Insurance in Huntington Bay

Cheapest Full Coverage Car Insurance Quotes in Huntington Bay, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Huntington Bay by Rating Factor

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

Car Insurance Premiums by Age in Huntington Bay

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Huntington Bay,NY

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

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 Huntington Bay

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

Huntington Bay Car Insurance Rates by Violation

Huntington Bay auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Huntington Bay after a DUI

Huntington Bay car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Huntington Bay after Speeding ticket

Car Insurance Price Trends in Huntington Bay, New York

Average Car Insurance Cost in Huntington Bay by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Huntington Bay, NY

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

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