Cheapest Car Insurance Quotes in Jefferson Heights

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Jefferson Heights Car Insurance

^$ 42

/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 Jefferson Heights

The car insurance rate in Jefferson Heights is $978 for a six-month policy, which is $51 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $524, making it a popular choice for budget-conscious drivers. Rates in Jefferson Heights 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 Jefferson Heights

$978

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Jefferson Heights

1st place: Kemper

At $524 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 $694 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $700 for six months, making it the third cheapest auto insurance company in Jefferson Heights.

Jefferson Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Jefferson Heights, NY is Kemper, offering policies at just $524 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $694.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1461 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Jefferson Heights drivers find the best deals.

Cheap Car Insurance Companies in Jefferson Heights, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$524	$89
New York Central Mutual Fire	$694	$116
Progressive	$700	$118
American Family	$812	$137
NYCM	$852	$143
Erie	$1021	$170
Nationwide	$1027	$175
USAA	$1033	$174
State Farm	$1281	$216
Travelers	$1349	$227
Allstate	$1461	$246

Key Takeaways

Way's key takeaways about car insurance in Jefferson Heights

The auto insurance costs in Jefferson Heights fall around $524 for six months.
The cheapest auto insurance company in Jefferson Heights is New York Central Mutual Fire.
Teen drivers pay the highest rate in Jefferson Heights at $745 per month.

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Cheapest Minimum Liability Car Insurance in Jefferson Heights

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 Jefferson Heights are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Jefferson Heights. Their Average 6 Month Premium is $248. Preferred Mutual is the most expensive at $655 for the same period.

Cheapest Liability Coverage in Jefferson Heights, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$248	$42
NYCM	$259	$44
Kemper	$305	$50
Progressive	$361	$61
American Family	$367	$62
USAA	$446	$75
Nationwide	$474	$79
Erie	$599	$102
State Farm	$694	$117
Travelers	$745	$125
Allstate	$779	$131
Utica National	$542	$92
Preferred Mutual	$655	$109

Cheapest Full Coverage Car Insurance in Jefferson Heights

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 Jefferson Heights is Kemper at $89 per month and $524 for six months.

Cheapest Full Coverage Car Insurance Quotes in Jefferson Heights, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$524	$89
New York Central Mutual Fire	$694	$116
Progressive	$700	$118
American Family	$812	$137
NYCM	$852	$143
Erie	$1021	$170
Nationwide	$1027	$175
USAA	$1033	$174
State Farm	$1281	$216
Travelers	$1349	$227
Allstate	$1461	$246

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Average Car Insurance in Jefferson Heights 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 Jefferson Heights, NY increasing?

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

Car Insurance Premiums by Age in Jefferson Heights

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	$535
30s	National Grange Mutual	$381
40s	National Grange Mutual	$367
50s	National Grange Mutual	$372
60s	National Grange Mutual	$401
70s	National Grange Mutual	$550

Cheapest Car Insurance Rates for Teen Drivers in Jefferson Heights,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Jefferson Heights at $59 per month. At $4424 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$355	$59
American Family	$428	$72
NYCM	$716	$121
Progressive	$1134	$191
New York Central Mutual Fire	$1236	$206
USAA	$2269	$382
Nationwide	$2963	$494
Travelers	$3668	$618
Allstate	$3967	$668
State Farm	$4424	$745

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 Jefferson Heights.

As young drivers face the highest rates in Jefferson Heights, National Grange Mutual offers the cheapest auto insurance rates at $535 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 Jefferson Heights, Chubb is the cheapest car insurance provider. At $762 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 Jefferson Heights is Progressive, offering rates of around $4915 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$762	$127
Kemper	$796	$135
Nationwide	$1027	$171
USAA	$1422	$242
NYCM	$1484	$247
Erie	$1608	$274
American Family	$1891	$315
Allstate	$1935	$326
State Farm	$2004	$337
Mercury	$2353	$400
Travelers	$2404	$405
Progressive	$4915	$827

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

Car Insurance Rates with An Accident in Jefferson Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in Jefferson Heights

The cheapest car insurance companies after an at-fault accident in Jefferson Heights include Kemper and American Family, offering $440 and $451, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $547.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$440	$73
American Family	$451	$76
NYCM	$547	$92
Erie	$599	$102
Chubb	$660	$110
Progressive	$722	$122
New York Central Mutual Fire	$835	$140
USAA	$897	$151
Nationwide	$1349	$225
Allstate	$1360	$229
State Farm	$1643	$276
Travelers	$1670	$281
Utica National	$542	$92
Preferred Mutual	$547	$91

Jefferson Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Jefferson Heights NY. For example, the car insurance in Jefferson Heights after a DUI increases to $678 for a six month policy. While the rate increases by $108 for a six-month policy in the case of a speeding ticket.

Jefferson Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1190	$199
One Med/PIP claim	$1190	$202
One comp claim	$1202	$200
Two comp claims	$1213	$206
Two Med/PIP claims	$1213	$202
Not-at-fault accident	$1219	$207
Failure to show documents	$1236	$206
Failure to wear a seat belt	$1242	$211
Driving with expired registration	$1253	$209
At-fault accident - less than $1000	$1259	$214
Cell phone violation	$1259	$210
Child safety restraint	$1259	$214
Driving without lights	$1259	$210
Failure to stop at a red light	$1259	$214
Failure to yield	$1259	$210
Following too closely	$1259	$214
Illegal turn	$1259	$210
Improper passing	$1259	$214
Passing school bus	$1259	$210
Texting while driving	$1259	$214
Wrong way/wrong lane	$1259	$210
Driving too slowly	$1270	$216
Speeding in school zone	$1270	$212
At-fault accident - $1000-$2000	$1275	$217
Speeding 11 - 15 MPH over limit	$1298	$217
Speeding 6 - 10 MPH over limit	$1298	$220
Operating a vehicle without permission	$1321	$220
Open container	$1338	$227
In 65 MPH zone	$1394	$233
Speeding 16 - 20 MPH over limit	$1411	$240
Speeding 21 - 25 MPH over limit	$1461	$243
At-fault accident - greater than $2000	$1574	$268
Reckless driving	$1682	$280
Racing	$1749	$297
Driving with a suspended license	$1812	$302
Refusal to submit to a chemical test	$1851	$314
DUI	$1868	$312
Leaving scene of an accident/hit and run	$1896	$322

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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 Jefferson Heights 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 Jefferson Heights.

The cheapest car insurance premiums in Jefferson Heights are offered by American Family at $428 for a six-month policy. However, it can be as expensive as $1913 with companies like State Farm.

Jefferson Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$428	$72
Kemper	$451	$77
Progressive	$547	$92
NYCM	$689	$116
New York Central Mutual Fire	$1016	$169
USAA	$1083	$182
Allstate	$1608	$271
Travelers	$1653	$278
Nationwide	$1676	$279
State Farm	$1913	$322

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 Jefferson Heights are offered by American Family at $378. However, it can be as expensive as $1941 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Jefferson Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$378	$65
Kemper	$378	$63
Progressive	$468	$79
NYCM	$626	$105
USAA	$852	$145
Nationwide	$1174	$196
State Farm	$1270	$216
Travelers	$1856	$310
Allstate	$1941	$330

Car Insurance Price Trends in Jefferson Heights, New York

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

The average cost of full coverage in the Jefferson Heights dipped by $235 in December compared to $236 of November. In other words, there has been an decrease by $1 when you compare December and November.

The average cost of liability insurance in the Jefferson Heights dipped to $81 in December, compared to $84 in November. This represents an decrease of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Jefferson Heights?

The car insurance in Jefferson Heights is $42 per month, which is lower than the national average.

What is the cheapest car insurance in Jefferson Heights?

The cheapest car insurance in Jefferson Heights is $89 per month for full coverage.

How much is car insurance in Jefferson Heights for teenagers?

Car insurance for teenagers costs $355 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 Jefferson Heights?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $164 per month to insure your car in Jefferson Heights.

Is car insurance expensive in Jefferson Heights?

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

Cheapest Car Insurance Quotes in Jefferson Heights

Why you can trust Way?

How Much Is Car Insurance in Jefferson Heights

Avg. Car Insurance in Jefferson Heights

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Jefferson Heights

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Jefferson Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Jefferson Heights, NY

Way's key takeaways about car insurance in Jefferson Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Jefferson Heights

Cheapest Liability Coverage in Jefferson Heights, NY

Cheapest Full Coverage Car Insurance in Jefferson Heights

Cheapest Full Coverage Car Insurance Quotes in Jefferson Heights, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Jefferson Heights by Rating Factor

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

Car Insurance Premiums by Age in Jefferson Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Jefferson Heights,NY

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

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 Jefferson Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Jefferson Heights

Jefferson Heights Car Insurance Rates by Violation

Jefferson Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Jefferson Heights after a DUI

Jefferson Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Jefferson Heights after Speeding ticket

Car Insurance Price Trends in Jefferson Heights, New York

Average Car Insurance Cost in Jefferson Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Jefferson Heights, NY

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

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