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 $1790 for a six-month policy, which is $761 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

$1790

Avg. Car Insurance in New York

$1029

National Average

$1140

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 $1282 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, Allstate is the most expensive, with rates reaching $2676 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	$1282	$216
American Family	$1488	$251
NYCM	$1561	$263
Erie	$1871	$311
Nationwide	$1881	$320
USAA	$1891	$318
State Farm	$2346	$395
Travelers	$2471	$416
Allstate	$2676	$451

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 $1364 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 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	$475	$80
Kemper	$559	$92
Progressive	$661	$111
American Family	$672	$113
USAA	$816	$137
Nationwide	$868	$144
Erie	$1096	$186
State Farm	$1272	$214
Travelers	$1364	$230
Allstate	$1427	$240
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	$1282	$216
American Family	$1488	$251
NYCM	$1561	$263
Erie	$1871	$311
Nationwide	$1881	$320
USAA	$1891	$318
State Farm	$2346	$395
Travelers	$2471	$416
Allstate	$2676	$451

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	National Grange Mutual	$980
30s	National Grange Mutual	$698
40s	National Grange Mutual	$672
50s	National Grange Mutual	$682
60s	National Grange Mutual	$734
70s	National Grange Mutual	$1007

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 $108 per month. At $8103 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	$108
American Family	$785	$132
NYCM	$1312	$221
Progressive	$2078	$350
New York Central Mutual Fire	$2264	$378
USAA	$4155	$699
Nationwide	$5427	$905
Travelers	$6718	$1131
Allstate	$7266	$1223
State Farm	$8103	$1364

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 Island Park.

As young drivers face the highest rates in Island Park, National Grange Mutual offers the cheapest auto insurance rates at $980 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 Island Park, Chubb is the cheapest car insurance provider. At $1395 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 $9003 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1395	$233
Kemper	$1458	$247
Nationwide	$1881	$313
USAA	$2605	$444
NYCM	$2718	$452
Erie	$2946	$501
American Family	$3463	$578
Allstate	$3544	$597
State Farm	$3670	$618
Mercury	$4310	$733
Travelers	$4402	$741
Progressive	$9003	$1516

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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
NYCM	$1002	$169
Erie	$1096	$186
Chubb	$1209	$202
Progressive	$1322	$223
New York Central Mutual Fire	$1529	$256
USAA	$1643	$277
Nationwide	$2471	$412
Allstate	$2492	$419
State Farm	$3008	$506
Travelers	$3059	$515
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 $3504 with companies like State Farm.

Island Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$785	$132
Kemper	$827	$141
Progressive	$1002	$169
NYCM	$1262	$212
New York Central Mutual Fire	$1860	$310
USAA	$1984	$334
Allstate	$2946	$496
Travelers	$3028	$510
Nationwide	$3069	$512
State Farm	$3504	$590

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 $3555 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	$118
Kemper	$693	$115
Progressive	$858	$144
NYCM	$1147	$191
USAA	$1561	$266
Nationwide	$2151	$358
State Farm	$2326	$395
Travelers	$3400	$567
Allstate	$3555	$604

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 dipped by $430 in December compared to $432 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 Island Park dipped to $148 in December, compared to $153 in November. This represents an decrease of $5 when comparing December and November.

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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 $1029 for a six-month policy. It will cost around $301 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 National Grange Mutual 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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