Cheapest Car Insurance Quotes in Kauneonga Lake

Finding the cheapest car insurance quotes in Kauneonga Lake 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.
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Kauneonga Lake Car Insurance

^$ 54

/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 Kauneonga Lake

The car insurance rate in Kauneonga Lake is $1413 for a six-month policy, which is $255 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $673, making it a popular choice for budget-conscious drivers. Rates in Kauneonga Lake 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 Kauneonga Lake

$1413

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Kauneonga Lake

1st place: Kemper

At $673 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 $892 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $949 for six months, making it the third cheapest auto insurance company in Kauneonga Lake.

Kauneonga Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kauneonga Lake, NY is Kemper, offering policies at just $673 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $892.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $2167 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kauneonga Lake drivers find the best deals.

Cheap Car Insurance Companies in Kauneonga Lake, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$673	$115
New York Central Mutual Fire	$892	$149
Progressive	$949	$160
American Family	$1043	$176
NYCM	$1261	$212
USAA	$1398	$235
Erie	$1427	$240
Nationwide	$1558	$260
Travelers	$1587	$267
State Farm	$1891	$318
Allstate	$2115	$356
Chubb	$2167	$361

Key Takeaways

Way's key takeaways about car insurance in Kauneonga Lake

The auto insurance costs in Kauneonga Lake fall around $673 for six months.
The cheapest auto insurance company in Kauneonga Lake is New York Central Mutual Fire.
Teen drivers pay the highest rate in Kauneonga Lake at $1089 per month.

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

Cheapest Minimum Liability Car Insurance in Kauneonga Lake

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 Kauneonga Lake are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Kauneonga Lake. Their Average 6 Month Premium is $318. Preferred Mutual is the most expensive at $841 for the same period.

Cheapest Liability Coverage in Kauneonga Lake, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$318	$54
NYCM	$377	$62
Kemper	$392	$67
American Family	$471	$79
Progressive	$486	$82
USAA	$623	$105
Erie	$769	$131
Travelers	$826	$138
Allstate	$885	$150
State Farm	$942	$157
Nationwide	$609	$101
Utica National	$695	$118
Preferred Mutual	$841	$140

Cheapest Full Coverage Car Insurance in Kauneonga Lake

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 Kauneonga Lake is Kemper at $115 per month and $673 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kauneonga Lake, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$673	$115
New York Central Mutual Fire	$892	$149
Progressive	$949	$160
American Family	$1043	$176
NYCM	$1261	$212
USAA	$1398	$235
Erie	$1427	$240
Nationwide	$1558	$260
Travelers	$1587	$267
State Farm	$1891	$318
Allstate	$2115	$356
Chubb	$2167	$361

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Average Car Insurance in Kauneonga Lake 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 Kauneonga Lake, NY increasing?

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

Car Insurance Premiums by Age in Kauneonga Lake

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 Kauneonga Lake,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Kauneonga Lake at $78 per month. At $6471 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$456	$78
American Family	$550	$93
NYCM	$1218	$205
Progressive	$1501	$253
New York Central Mutual Fire	$1587	$270
Erie	$3051	$509
USAA	$3355	$565
Travelers	$4413	$743
Nationwide	$4595	$781
Chubb	$4812	$802
Allstate	$5536	$932
State Farm	$6471	$1089

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 Kauneonga Lake, Kemper is the cheapest car insurance provider. At $1022 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 Kauneonga Lake is Progressive, offering rates of around $6123 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1022	$171
Nationwide	$1558	$265
Chubb	$1848	$311
USAA	$2246	$382
Erie	$2391	$403
American Family	$2428	$412
NYCM	$2718	$453
Allstate	$2963	$499
Mercury	$3022	$504
State Farm	$3123	$526
Travelers	$3616	$609
Progressive	$6123	$1031

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Kauneonga Lake

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

Cheapest Car Insurance Companies after an At-Fault Accident in Kauneonga Lake

The cheapest car insurance companies after an at-fault accident in Kauneonga Lake include Kemper and American Family, offering $565 and $580, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $703.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$565	$94
American Family	$580	$98
Progressive	$892	$150
NYCM	$906	$153
New York Central Mutual Fire	$1072	$179
USAA	$1218	$205
Erie	$1558	$262
Chubb	$1768	$298
Allstate	$1906	$321
Travelers	$1964	$331
Nationwide	$2058	$343
State Farm	$2406	$405
Utica National	$695	$118
Preferred Mutual	$703	$117

Kauneonga Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kauneonga Lake NY. For example, the car insurance in Kauneonga Lake after a DUI increases to $870 for a six month policy. While the rate increases by $138 for a six-month policy in the case of a speeding ticket.

Kauneonga Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1529	$255
One Med/PIP claim	$1529	$260
One comp claim	$1543	$257
Two comp claims	$1558	$265
Two Med/PIP claims	$1558	$260
Not-at-fault accident	$1565	$266
Failure to show documents	$1587	$265
Failure to wear a seat belt	$1595	$271
Driving with expired registration	$1609	$268
At-fault accident - less than $1000	$1617	$275
Cell phone violation	$1617	$270
Child safety restraint	$1617	$275
Driving without lights	$1617	$270
Failure to stop at a red light	$1617	$275
Failure to yield	$1617	$270
Following too closely	$1617	$275
Illegal turn	$1617	$270
Improper passing	$1617	$275
Passing school bus	$1617	$270
Texting while driving	$1617	$275
Wrong way/wrong lane	$1617	$270
Driving too slowly	$1631	$277
Speeding in school zone	$1631	$272
At-fault accident - $1000-$2000	$1637	$278
Speeding 11 - 15 MPH over limit	$1667	$278
Speeding 6 - 10 MPH over limit	$1667	$283
Operating a vehicle without permission	$1696	$283
Open container	$1718	$292
In 65 MPH zone	$1790	$299
Speeding 16 - 20 MPH over limit	$1812	$309
Speeding 21 - 25 MPH over limit	$1876	$312
At-fault accident - greater than $2000	$2022	$344
Reckless driving	$2159	$360
Racing	$2246	$382
Driving with a suspended license	$2327	$388
Refusal to submit to a chemical test	$2377	$404
DUI	$2399	$400
Leaving scene of an accident/hit and run	$2435	$414

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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 Kauneonga Lake 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 Kauneonga Lake.

The cheapest car insurance premiums in Kauneonga Lake are offered by American Family at $550 for a six-month policy. However, it can be as expensive as $2718 with companies like Chubb.

Kauneonga Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$550	$93
Kemper	$580	$99
Progressive	$747	$126
NYCM	$1131	$190
New York Central Mutual Fire	$1304	$217
USAA	$1486	$250
Travelers	$1942	$327
Allstate	$2297	$387
Erie	$2369	$395
Nationwide	$2573	$438
State Farm	$2704	$455
Chubb	$2718	$462

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 Kauneonga Lake are offered by American Family at $486. However, it can be as expensive as $3094 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Kauneonga Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$486	$81
Kemper	$486	$83
Progressive	$703	$118
NYCM	$1138	$194
USAA	$1319	$220
Erie	$1543	$262
Nationwide	$1558	$260
Travelers	$1797	$305
State Farm	$2174	$362
Chubb	$2573	$438
Allstate	$3094	$516

Car Insurance Price Trends in Kauneonga Lake, New York

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

The average cost of full coverage in the Kauneonga Lake rose by $336 in January compared to $301 of December. In other words, there has been an increase by $35 when you compare January and December.

The average cost of liability insurance in the Kauneonga Lake dipped to $98 in January, compared to $104 in December. This represents an decrease of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Kauneonga Lake?

The car insurance in Kauneonga Lake is $54 per month, which is lower than the national average.

What is the cheapest car insurance in Kauneonga Lake?

The cheapest car insurance in Kauneonga Lake is $115 per month for full coverage.

How much is car insurance in Kauneonga Lake for teenagers?

Car insurance for teenagers costs $456 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 Kauneonga Lake?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $237 per month to insure your car in Kauneonga Lake.

Is car insurance expensive in Kauneonga Lake?

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

Cheapest Car Insurance Quotes in Kauneonga Lake

Why you can trust Way?

How Much Is Car Insurance in Kauneonga Lake

Avg. Car Insurance in Kauneonga Lake

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Kauneonga Lake

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Kauneonga Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Kauneonga Lake, NY

Way's key takeaways about car insurance in Kauneonga Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Kauneonga Lake

Cheapest Liability Coverage in Kauneonga Lake, NY

Cheapest Full Coverage Car Insurance in Kauneonga Lake

Cheapest Full Coverage Car Insurance Quotes in Kauneonga Lake, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Kauneonga Lake by Rating Factor

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

Car Insurance Premiums by Age in Kauneonga Lake

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Kauneonga Lake,NY

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

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 Kauneonga Lake

Cheapest Car Insurance Companies after an At-Fault Accident in Kauneonga Lake

Kauneonga Lake Car Insurance Rates by Violation

Kauneonga Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Kauneonga Lake after a DUI

Kauneonga Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Kauneonga Lake after Speeding ticket

Car Insurance Price Trends in Kauneonga Lake, New York

Average Car Insurance Cost in Kauneonga Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Kauneonga Lake, NY

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

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