Cheapest Car Insurance Quotes in Island Park

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Island Park Car Insurance

^$ 77

/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 Island Park

The car insurance rate in Island Park is $2015 for a six-month policy, which is $857 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $960, making it a popular choice for budget-conscious drivers. Rates in Island Park 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 Island Park

$2015

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Island Park

1st place: Kemper

At $960 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 $1272 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1354 for six months, making it the third cheapest auto insurance company in Island Park.

Island Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Island Park, NY is Kemper, offering policies at just $960 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1272.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $3090 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Island Park drivers find the best deals.

Cheap Car Insurance Companies in Island Park, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$960	$164
New York Central Mutual Fire	$1272	$212
Progressive	$1354	$228
American Family	$1488	$251
NYCM	$1799	$303
USAA	$1994	$336
Erie	$2036	$343
Nationwide	$2222	$371
Travelers	$2264	$381
State Farm	$2697	$454
Allstate	$3017	$508
Chubb	$3090	$515

Key Takeaways

Way's key takeaways about car insurance in Island Park

The auto insurance costs in Island Park fall around $960 for six months.
The cheapest auto insurance company in Island Park is New York Central Mutual Fire.
Teen drivers pay the highest rate in Island Park at $1554 per month.

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

Cheapest Minimum Liability Car Insurance in Island Park

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 Island Park are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Island Park. Their Average 6 Month Premium is $454. Preferred Mutual is the most expensive at $1199 for the same period.

Cheapest Liability Coverage in Island Park, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$454	$77
NYCM	$538	$89
Kemper	$559	$96
American Family	$672	$113
Progressive	$693	$117
USAA	$889	$150
Erie	$1096	$186
Travelers	$1178	$197
Allstate	$1262	$214
State Farm	$1343	$224
Nationwide	$868	$144
Utica National	$992	$169
Preferred Mutual	$1199	$200

Cheapest Full Coverage Car Insurance in Island Park

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 Island Park is Kemper at $164 per month and $960 for six months.

Cheapest Full Coverage Car Insurance Quotes in Island Park, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$960	$164
New York Central Mutual Fire	$1272	$212
Progressive	$1354	$228
American Family	$1488	$251
NYCM	$1799	$303
USAA	$1994	$336
Erie	$2036	$343
Nationwide	$2222	$371
Travelers	$2264	$381
State Farm	$2697	$454
Allstate	$3017	$508
Chubb	$3090	$515

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Average Car Insurance in Island Park 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 Island Park, NY increasing?

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

Car Insurance Premiums by Age in Island Park

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 Island Park,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Island Park at $111 per month. At $9229 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$651	$111
American Family	$785	$132
NYCM	$1737	$292
Progressive	$2140	$360
New York Central Mutual Fire	$2264	$385
Erie	$4352	$726
USAA	$4785	$806
Travelers	$6294	$1060
Nationwide	$6553	$1114
Chubb	$6863	$1143
Allstate	$7896	$1329
State Farm	$9229	$1554

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 Island Park, Kemper is the cheapest car insurance provider. At $1458 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 Island Park is Progressive, offering rates of around $8733 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1458	$244
Nationwide	$2222	$378
Chubb	$2636	$444
USAA	$3203	$545
Erie	$3410	$574
American Family	$3463	$588
NYCM	$3877	$646
Allstate	$4226	$712
Mercury	$4310	$719
State Farm	$4454	$750
Travelers	$5157	$868
Progressive	$8733	$1470

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

Car Insurance Rates with An Accident in Island Park

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

Cheapest Car Insurance Companies after an At-Fault Accident in Island Park

The cheapest car insurance companies after an at-fault accident in Island Park include Kemper and American Family, offering $806 and $827, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $1002.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$806	$134
American Family	$827	$139
Progressive	$1272	$214
NYCM	$1293	$218
New York Central Mutual Fire	$1529	$256
USAA	$1737	$292
Erie	$2222	$374
Chubb	$2521	$425
Allstate	$2718	$458
Travelers	$2801	$472
Nationwide	$2935	$489
State Farm	$3431	$578
Utica National	$992	$169
Preferred Mutual	$1002	$167

Island Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Island Park NY. For example, the car insurance in Island Park after a DUI increases to $1241 for a six month policy. While the rate increases by $197 for a six-month policy in the case of a speeding ticket.

Island Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2180	$364
One Med/PIP claim	$2180	$371
One comp claim	$2201	$367
Two comp claims	$2222	$378
Two Med/PIP claims	$2222	$371
Not-at-fault accident	$2232	$379
Failure to show documents	$2264	$378
Failure to wear a seat belt	$2274	$386
Driving with expired registration	$2295	$383
At-fault accident - less than $1000	$2306	$392
Cell phone violation	$2306	$385
Child safety restraint	$2306	$392
Driving without lights	$2306	$385
Failure to stop at a red light	$2306	$392
Failure to yield	$2306	$385
Following too closely	$2306	$392
Illegal turn	$2306	$385
Improper passing	$2306	$392
Passing school bus	$2306	$385
Texting while driving	$2306	$392
Wrong way/wrong lane	$2306	$385
Driving too slowly	$2326	$395
Speeding in school zone	$2326	$388
At-fault accident - $1000-$2000	$2335	$397
Speeding 11 - 15 MPH over limit	$2377	$397
Speeding 6 - 10 MPH over limit	$2377	$404
Operating a vehicle without permission	$2419	$404
Open container	$2450	$416
In 65 MPH zone	$2553	$426
Speeding 16 - 20 MPH over limit	$2584	$440
Speeding 21 - 25 MPH over limit	$2676	$445
At-fault accident - greater than $2000	$2883	$491
Reckless driving	$3080	$513
Racing	$3203	$545
Driving with a suspended license	$3318	$553
Refusal to submit to a chemical test	$3390	$576
DUI	$3421	$571
Leaving scene of an accident/hit and run	$3473	$590

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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 Island Park 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 Island Park.

The cheapest car insurance premiums in Island Park are offered by American Family at $785 for a six-month policy. However, it can be as expensive as $3877 with companies like Chubb.

Island Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$785	$132
Kemper	$827	$141
Progressive	$1065	$179
NYCM	$1613	$271
New York Central Mutual Fire	$1860	$310
USAA	$2119	$357
Travelers	$2770	$466
Allstate	$3276	$552
Erie	$3379	$564
Nationwide	$3670	$625
State Farm	$3856	$649
Chubb	$3877	$659

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 Island Park are offered by American Family at $693. However, it can be as expensive as $4413 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Island Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$693	$115
Kemper	$693	$118
Progressive	$1002	$169
NYCM	$1623	$277
USAA	$1881	$313
Erie	$2201	$374
Nationwide	$2222	$371
Travelers	$2563	$435
State Farm	$3101	$517
Chubb	$3670	$625
Allstate	$4413	$736

Car Insurance Price Trends in Island Park, New York

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

The average cost of full coverage in the Island Park rose by $479 in January compared to $430 of December. In other words, there has been an increase by $49 when you compare January and December.

The average cost of liability insurance in the Island Park dipped to $139 in January, compared to $148 in December. This represents an decrease of $9 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Island Park?

The car insurance in Island Park is $77 per month, which is lower than the national average.

What is the cheapest car insurance in Island Park?

The cheapest car insurance in Island Park is $164 per month for full coverage.

How much is car insurance in Island Park for teenagers?

Car insurance for teenagers costs $651 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 Island Park?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $338 per month to insure your car in Island Park.

Is car insurance expensive in Island Park?

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

Cheapest Car Insurance Quotes in Island Park

Why you can trust Way?

How Much Is Car Insurance in Island Park

Avg. Car Insurance in Island Park

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Island Park

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Island Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Island Park, NY

Way's key takeaways about car insurance in Island Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Island Park

Cheapest Liability Coverage in Island Park, NY

Cheapest Full Coverage Car Insurance in Island Park

Cheapest Full Coverage Car Insurance Quotes in Island Park, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Island Park by Rating Factor

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

Car Insurance Premiums by Age in Island Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Island Park,NY

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

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 Island Park

Cheapest Car Insurance Companies after an At-Fault Accident in Island Park

Island Park Car Insurance Rates by Violation

Island Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Island Park after a DUI

Island Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Island Park after Speeding ticket

Car Insurance Price Trends in Island Park, New York

Average Car Insurance Cost in Island Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Island Park, NY

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

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