Cheapest Car Insurance Quotes in Kenmore

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Kenmore Car Insurance

^$ 41

/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 Kenmore

The car insurance rate in Kenmore is $1089 for a six-month policy, which is $69 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $519, making it a popular choice for budget-conscious drivers. Rates in Kenmore 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 Kenmore

$1089

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Kenmore

1st place: Kemper

At $519 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 $687 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $731 for six months, making it the third cheapest auto insurance company in Kenmore.

Kenmore Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kenmore, NY is Kemper, offering policies at just $519 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $687.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $1669 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kenmore drivers find the best deals.

Cheap Car Insurance Companies in Kenmore, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$519	$88
New York Central Mutual Fire	$687	$115
Progressive	$731	$123
American Family	$804	$135
NYCM	$972	$164
USAA	$1077	$181
Erie	$1100	$185
Nationwide	$1200	$200
Travelers	$1223	$206
State Farm	$1457	$245
Allstate	$1630	$274
Chubb	$1669	$278

Key Takeaways

Way's key takeaways about car insurance in Kenmore

The auto insurance costs in Kenmore fall around $519 for six months.
The cheapest auto insurance company in Kenmore is New York Central Mutual Fire.
Teen drivers pay the highest rate in Kenmore at $839 per month.

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

Cheapest Minimum Liability Car Insurance in Kenmore

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 Kenmore are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Kenmore. Their Average 6 Month Premium is $245. Preferred Mutual is the most expensive at $648 for the same period.

Cheapest Liability Coverage in Kenmore, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$245	$41
NYCM	$290	$48
Kemper	$302	$52
American Family	$363	$61
Progressive	$374	$63
USAA	$480	$81
Erie	$592	$101
Travelers	$636	$106
Allstate	$682	$116
State Farm	$726	$121
Nationwide	$469	$78
Utica National	$536	$91
Preferred Mutual	$648	$108

Cheapest Full Coverage Car Insurance in Kenmore

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 Kenmore is Kemper at $88 per month and $519 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kenmore, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$519	$88
New York Central Mutual Fire	$687	$115
Progressive	$731	$123
American Family	$804	$135
NYCM	$972	$164
USAA	$1077	$181
Erie	$1100	$185
Nationwide	$1200	$200
Travelers	$1223	$206
State Farm	$1457	$245
Allstate	$1630	$274
Chubb	$1669	$278

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Average Car Insurance in Kenmore 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 Kenmore, NY increasing?

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

Car Insurance Premiums by Age in Kenmore

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 Kenmore,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Kenmore at $60 per month. At $4986 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$352	$60
American Family	$424	$71
NYCM	$938	$158
Progressive	$1156	$195
New York Central Mutual Fire	$1223	$208
Erie	$2351	$392
USAA	$2585	$435
Travelers	$3400	$572
Nationwide	$3540	$602
Chubb	$3707	$618
Allstate	$4266	$718
State Farm	$4986	$839

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 Kenmore, Kemper is the cheapest car insurance provider. At $788 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 Kenmore is Progressive, offering rates of around $4718 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$788	$132
Nationwide	$1200	$204
Chubb	$1424	$240
USAA	$1731	$294
Erie	$1842	$310
American Family	$1871	$318
NYCM	$2094	$349
Allstate	$2283	$384
Mercury	$2328	$388
State Farm	$2406	$405
Travelers	$2786	$469
Progressive	$4718	$794

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Car Insurance Rates with An Accident in Kenmore

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

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

The cheapest car insurance companies after an at-fault accident in Kenmore include Kemper and American Family, offering $435 and $447, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $541.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$435	$72
American Family	$447	$75
Progressive	$687	$116
NYCM	$698	$118
New York Central Mutual Fire	$826	$138
USAA	$938	$158
Erie	$1200	$202
Chubb	$1362	$229
Allstate	$1468	$247
Travelers	$1513	$255
Nationwide	$1586	$264
State Farm	$1854	$312
Utica National	$536	$91
Preferred Mutual	$541	$90

Kenmore Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kenmore NY. For example, the car insurance in Kenmore after a DUI increases to $670 for a six month policy. While the rate increases by $106 for a six-month policy in the case of a speeding ticket.

Kenmore auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1178	$196
One Med/PIP claim	$1178	$200
One comp claim	$1189	$198
Two comp claims	$1200	$204
Two Med/PIP claims	$1200	$200
Not-at-fault accident	$1206	$205
Failure to show documents	$1223	$204
Failure to wear a seat belt	$1229	$209
Driving with expired registration	$1240	$207
At-fault accident - less than $1000	$1246	$212
Cell phone violation	$1246	$208
Child safety restraint	$1246	$212
Driving without lights	$1246	$208
Failure to stop at a red light	$1246	$212
Failure to yield	$1246	$208
Following too closely	$1246	$212
Illegal turn	$1246	$208
Improper passing	$1246	$212
Passing school bus	$1246	$208
Texting while driving	$1246	$212
Wrong way/wrong lane	$1246	$208
Driving too slowly	$1257	$213
Speeding in school zone	$1257	$210
At-fault accident - $1000-$2000	$1261	$214
Speeding 11 - 15 MPH over limit	$1284	$214
Speeding 6 - 10 MPH over limit	$1284	$218
Operating a vehicle without permission	$1307	$218
Open container	$1324	$225
In 65 MPH zone	$1379	$230
Speeding 16 - 20 MPH over limit	$1396	$238
Speeding 21 - 25 MPH over limit	$1446	$241
At-fault accident - greater than $2000	$1558	$265
Reckless driving	$1664	$277
Racing	$1731	$294
Driving with a suspended license	$1793	$299
Refusal to submit to a chemical test	$1831	$311
DUI	$1848	$308
Leaving scene of an accident/hit and run	$1876	$319

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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 Kenmore 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 Kenmore.

The cheapest car insurance premiums in Kenmore are offered by American Family at $424 for a six-month policy. However, it can be as expensive as $2094 with companies like Chubb.

Kenmore car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$424	$71
Kemper	$447	$76
Progressive	$575	$97
NYCM	$871	$147
New York Central Mutual Fire	$1005	$167
USAA	$1145	$193
Travelers	$1496	$252
Allstate	$1770	$298
Erie	$1825	$305
Nationwide	$1982	$337
State Farm	$2083	$351
Chubb	$2094	$356

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 Kenmore are offered by American Family at $374. However, it can be as expensive as $2384 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Kenmore after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$374	$62
Kemper	$374	$64
Progressive	$541	$91
NYCM	$877	$149
USAA	$1016	$169
Erie	$1189	$202
Nationwide	$1200	$200
Travelers	$1385	$235
State Farm	$1675	$279
Chubb	$1982	$337
Allstate	$2384	$398

Car Insurance Price Trends in Kenmore, New York

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

The average cost of full coverage in the Kenmore rose by $259 in January compared to $232 of December. In other words, there has been an increase by $27 when you compare January and December.

The average cost of liability insurance in the Kenmore dipped to $75 in January, compared to $80 in December. This represents an decrease of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Kenmore?

The car insurance in Kenmore is $41 per month, which is lower than the national average.

What is the cheapest car insurance in Kenmore?

The cheapest car insurance in Kenmore is $88 per month for full coverage.

How much is car insurance in Kenmore for teenagers?

Car insurance for teenagers costs $352 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 Kenmore?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $182 per month to insure your car in Kenmore.

Is car insurance expensive in Kenmore?

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

Cheapest Car Insurance Quotes in Kenmore

Why you can trust Way?

How Much Is Car Insurance in Kenmore

Avg. Car Insurance in Kenmore

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Kenmore

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Kenmore Car Insurance Rates by Company

Cheap Car Insurance Companies in Kenmore, NY

Way's key takeaways about car insurance in Kenmore

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Kenmore

Cheapest Liability Coverage in Kenmore, NY

Cheapest Full Coverage Car Insurance in Kenmore

Cheapest Full Coverage Car Insurance Quotes in Kenmore, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Kenmore by Rating Factor

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

Car Insurance Premiums by Age in Kenmore

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Kenmore,NY

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

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 Kenmore

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

Kenmore Car Insurance Rates by Violation

Kenmore auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Kenmore after a DUI

Kenmore car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Kenmore after Speeding ticket

Car Insurance Price Trends in Kenmore, New York

Average Car Insurance Cost in Kenmore by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Kenmore, NY

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

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