Cheapest Car Insurance Quotes in Inwood

Finding the cheapest car insurance quotes in Inwood 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Inwood Car Insurance

^$ 81

/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 Inwood

The car insurance rate in Inwood is $1904 for a six-month policy, which is $875 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1021, making it a popular choice for budget-conscious drivers. Rates in Inwood 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 Inwood

$1904

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Inwood

1st place: Kemper

At $1021 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 $1352 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1363 for six months, making it the third cheapest auto insurance company in Inwood.

Inwood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Inwood, NY is Kemper, offering policies at just $1021 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1352.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2845 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Inwood drivers find the best deals.

Cheap Car Insurance Companies in Inwood, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1021	$174
New York Central Mutual Fire	$1352	$226
Progressive	$1363	$229
American Family	$1582	$266
NYCM	$1659	$279
Erie	$1989	$331
Nationwide	$2000	$340
USAA	$2011	$339
State Farm	$2494	$420
Travelers	$2627	$442
Allstate	$2845	$479

Key Takeaways

Way's key takeaways about car insurance in Inwood

The auto insurance costs in Inwood fall around $1021 for six months.
The cheapest auto insurance company in Inwood is New York Central Mutual Fire.
Teen drivers pay the highest rate in Inwood at $1450 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 Inwood

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 Inwood are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Inwood. Their Average 6 Month Premium is $483. Preferred Mutual is the most expensive at $1275 for the same period.

Cheapest Liability Coverage in Inwood, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$483	$81
NYCM	$505	$85
Kemper	$594	$98
Progressive	$703	$118
American Family	$714	$120
USAA	$868	$146
Nationwide	$923	$154
Erie	$1166	$198
State Farm	$1352	$228
Travelers	$1450	$244
Allstate	$1517	$255
Utica National	$1055	$179
Preferred Mutual	$1275	$213

Cheapest Full Coverage Car Insurance in Inwood

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 Inwood is Kemper at $174 per month and $1021 for six months.

Cheapest Full Coverage Car Insurance Quotes in Inwood, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1021	$174
New York Central Mutual Fire	$1352	$226
Progressive	$1363	$229
American Family	$1582	$266
NYCM	$1659	$279
Erie	$1989	$331
Nationwide	$2000	$340
USAA	$2011	$339
State Farm	$2494	$420
Travelers	$2627	$442
Allstate	$2845	$479

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Inwood Instantly!

Average Car Insurance in Inwood 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 Inwood, NY increasing?

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

Car Insurance Premiums by Age in Inwood

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	$1042
30s	National Grange Mutual	$742
40s	National Grange Mutual	$714
50s	National Grange Mutual	$725
60s	National Grange Mutual	$781
70s	National Grange Mutual	$1071

Cheapest Car Insurance Rates for Teen Drivers in Inwood,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Inwood at $115 per month. At $8615 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$692	$115
American Family	$834	$141
NYCM	$1395	$235
Progressive	$2209	$372
New York Central Mutual Fire	$2407	$401
USAA	$4418	$744
Nationwide	$5770	$962
Travelers	$7143	$1203
Allstate	$7726	$1301
State Farm	$8615	$1450

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 Inwood.

As young drivers face the highest rates in Inwood, National Grange Mutual offers the cheapest auto insurance rates at $1042 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 Inwood, Chubb is the cheapest car insurance provider. At $1484 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 Inwood is Progressive, offering rates of around $9572 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1484	$248
Kemper	$1550	$263
Nationwide	$2000	$333
USAA	$2769	$472
NYCM	$2890	$481
Erie	$3132	$533
American Family	$3682	$614
Allstate	$3768	$635
State Farm	$3902	$657
Mercury	$4582	$779
Travelers	$4681	$788
Progressive	$9572	$1611

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Inwood

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

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

The cheapest car insurance companies after an at-fault accident in Inwood include Kemper and American Family, offering $857 and $879, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $1066.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$857	$142
American Family	$879	$148
NYCM	$1066	$179
Erie	$1166	$198
Chubb	$1286	$215
Progressive	$1406	$237
New York Central Mutual Fire	$1626	$272
USAA	$1746	$294
Nationwide	$2627	$438
Allstate	$2649	$446
State Farm	$3199	$538
Travelers	$3252	$548
Utica National	$1055	$179
Preferred Mutual	$1066	$178

Inwood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Inwood NY. For example, the car insurance in Inwood after a DUI increases to $1319 for a six month policy. While the rate increases by $209 for a six-month policy in the case of a speeding ticket.

Inwood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2318	$387
One Med/PIP claim	$2318	$394
One comp claim	$2340	$390
Two comp claims	$2362	$401
Two Med/PIP claims	$2362	$394
Not-at-fault accident	$2374	$403
Failure to show documents	$2407	$401
Failure to wear a seat belt	$2418	$411
Driving with expired registration	$2440	$407
At-fault accident - less than $1000	$2451	$416
Cell phone violation	$2451	$409
Child safety restraint	$2451	$416
Driving without lights	$2451	$409
Failure to stop at a red light	$2451	$416
Failure to yield	$2451	$409
Following too closely	$2451	$416
Illegal turn	$2451	$409
Improper passing	$2451	$416
Passing school bus	$2451	$409
Texting while driving	$2451	$416
Wrong way/wrong lane	$2451	$409
Driving too slowly	$2473	$420
Speeding in school zone	$2473	$413
At-fault accident - $1000-$2000	$2483	$422
Speeding 11 - 15 MPH over limit	$2527	$422
Speeding 6 - 10 MPH over limit	$2527	$429
Operating a vehicle without permission	$2572	$429
Open container	$2605	$442
In 65 MPH zone	$2714	$453
Speeding 16 - 20 MPH over limit	$2747	$468
Speeding 21 - 25 MPH over limit	$2845	$474
At-fault accident - greater than $2000	$3065	$522
Reckless driving	$3275	$546
Racing	$3406	$579
Driving with a suspended license	$3528	$588
Refusal to submit to a chemical test	$3604	$612
DUI	$3637	$607
Leaving scene of an accident/hit and run	$3693	$627

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Inwood 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 Inwood.

The cheapest car insurance premiums in Inwood are offered by American Family at $834 for a six-month policy. However, it can be as expensive as $3726 with companies like State Farm.

Inwood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$834	$141
Kemper	$879	$150
Progressive	$1066	$179
NYCM	$1341	$226
New York Central Mutual Fire	$1978	$329
USAA	$2109	$355
Allstate	$3132	$527
Travelers	$3219	$542
Nationwide	$3263	$544
State Farm	$3726	$627

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 Inwood are offered by American Family at $736. However, it can be as expensive as $3780 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Inwood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$736	$126
Kemper	$736	$122
Progressive	$912	$154
NYCM	$1219	$204
USAA	$1659	$283
Nationwide	$2287	$381
State Farm	$2473	$420
Travelers	$3615	$603
Allstate	$3780	$642

Car Insurance Price Trends in Inwood, New York

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

The average cost of full coverage in the Inwood dipped by $457 in December compared to $459 of November. In other words, there has been an decrease by $2 when you compare December and November.

The average cost of liability insurance in the Inwood dipped to $157 in December, compared to $163 in November. This represents an decrease of $6 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Inwood?

The car insurance in Inwood is $81 per month, which is lower than the national average.

What is the cheapest car insurance in Inwood?

The cheapest car insurance in Inwood is $174 per month for full coverage.

How much is car insurance in Inwood for teenagers?

Car insurance for teenagers costs $692 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 Inwood?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $320 per month to insure your car in Inwood.

Is car insurance expensive in Inwood?

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

Cheapest Car Insurance Quotes in Inwood

Why you can trust Way?

How Much Is Car Insurance in Inwood

Avg. Car Insurance in Inwood

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Inwood

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Inwood Car Insurance Rates by Company

Cheap Car Insurance Companies in Inwood, NY

Way's key takeaways about car insurance in Inwood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Inwood

Cheapest Liability Coverage in Inwood, NY

Cheapest Full Coverage Car Insurance in Inwood

Cheapest Full Coverage Car Insurance Quotes in Inwood, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Inwood by Rating Factor

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

Car Insurance Premiums by Age in Inwood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Inwood,NY

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

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 Inwood

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

Inwood Car Insurance Rates by Violation

Inwood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Inwood after a DUI

Inwood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Inwood after Speeding ticket

Car Insurance Price Trends in Inwood, New York

Average Car Insurance Cost in Inwood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Inwood, NY

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

Featured Blogs

Data Sources