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Finding the cheapest car insurance quotes in Kew Gardens 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.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Kew Gardens
The car insurance rate in Kew Gardens is $2490 for a six-month policy, which is $1332 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1187, making it a popular choice for budget-conscious drivers. Rates in Kew Gardens 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.
At $1187 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 $1572 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $1673
for six months, making it
the third cheapest auto insurance company in Kew Gardens.
Kew Gardens Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Kew Gardens, NY is Kemper, offering policies at just $1187 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1572.
At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $3818 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kew Gardens drivers find the best deals.
Way's key takeaways about car insurance in Kew Gardens
The auto insurance costs in Kew Gardens fall around $1187 for six
months.
The cheapest auto insurance company in Kew Gardens is New York Central Mutual Fire.
Teen drivers pay the highest rate in Kew Gardens at $1920 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 Kew Gardens
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 Kew Gardens are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in Kew Gardens. Their Average 6 Month Premium is $561.
Nationwide is the most
expensive at $1073 for the same
period.
Cheapest Full Coverage Car Insurance in Kew Gardens
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 Kew Gardens is Kemper
at $202 per month and $1187
for six months.
Cheapest Full Coverage Car Insurance Quotes in Kew Gardens,
NY
Get Your Car Insurance Quote in Kew Gardens
Instantly!
Average Car Insurance in Kew Gardens 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 Kew Gardens, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Kew Gardens, 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, Kew Gardens's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Kew Gardens
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
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Cheapest Car Insurance Rates for Teen Drivers in
Kew Gardens,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Kew Gardens at $138
per
month. At $11404 for a six-month premium,
State Farm offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Kew Gardens.
As young drivers face the highest rates in Kew Gardens, N/A
offers the cheapest auto insurance rates at $N/A 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 Kew Gardens,
Kemper is
the cheapest car insurance provider. At $1802 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
Kew Gardens is Progressive, offering
rates of around $10791 for six
months.
Save up to $971/yr on car insurance rates in Kew Gardens.
Car Insurance Rates with An Accident in Kew Gardens
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 Kew Gardens, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Kew Gardens
The cheapest car insurance companies after an at-fault accident in
Kew Gardens include Kemper
and American Family, offering $995
and $1021,
respectively. State Farm is an expensive provider
with an average six-month premium of
$4240.
Here is a list of driving violations that can increase your car
insurance rates in Kew Gardens NY. For example, the car
insurance in Kew Gardens
after a DUI increases to $1533 for a six
month policy. While the rate increases by $243 for a six-month policy in the case of
a speeding ticket.
Kew Gardens auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$2694
$449
One Med/PIP claim
$2694
$458
One comp claim
$2720
$454
Two comp claims
$2746
$467
Two Med/PIP claims
$2746
$458
Not-at-fault accident
$2758
$469
Failure to show documents
$2797
$467
Failure to wear a seat belt
$2810
$477
Driving with expired registration
$2836
$473
At-fault accident - less than $1000
$2849
$484
Cell phone violation
$2849
$475
Child safety restraint
$2849
$484
Driving without lights
$2849
$475
Failure to stop at a red light
$2849
$484
Failure to yield
$2849
$475
Following too closely
$2849
$484
Illegal turn
$2849
$475
Improper passing
$2849
$484
Passing school bus
$2849
$475
Texting while driving
$2849
$484
Wrong way/wrong lane
$2849
$475
Driving too slowly
$2875
$488
Speeding in school zone
$2875
$479
At-fault accident - $1000-$2000
$2885
$490
Speeding 11 - 15 MPH over limit
$2937
$490
Speeding 6 - 10 MPH over limit
$2937
$499
Operating a vehicle without permission
$2989
$499
Open container
$3027
$514
In 65 MPH zone
$3154
$527
Speeding 16 - 20 MPH over limit
$3193
$544
Speeding 21 - 25 MPH over limit
$3307
$550
At-fault accident - greater than $2000
$3563
$606
Reckless driving
$3806
$634
Racing
$3958
$673
Driving with a suspended license
$4100
$684
Refusal to submit to a chemical test
$4188
$712
DUI
$4227
$705
Leaving scene of an accident/hit and run
$4291
$729
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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 Kew Gardens 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 Kew Gardens.
The cheapest car insurance premiums in
Kew Gardens are
offered by American Family at $970 for a six-month policy.
However, it can be as
expensive as $4790 with companies
like Chubb.
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 Kew Gardens are offered by American Family
at $856. However,
it can be as expensive as $5452
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Kew Gardens after Speeding ticket
Car Insurance Price Trends in Kew Gardens,
New York
Car insurance rates in Kew Gardens have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Kew Gardens remained steady at $591 in both March and February, indicating no change over the two month period.
The average cost of liability insurance in the Kew Gardens remained steady at $172 in both March and February, indicating no change over the two month period.
Average Car Insurance Cost in Kew Gardens by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Kew Gardens. At $4979 for a
six-month policy, insuring
your car at 11415 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Kew Gardens?
The car insurance in Kew Gardens is $95 per month, which is higher than the national average.
What is the cheapest car insurance in Kew Gardens?
The cheapest car insurance in Kew Gardens
is $202 per month
for full coverage.
How much is car insurance in Kew Gardens for teenagers?
Car insurance for teenagers costs $804 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
Kew Gardens?
The average cost of car insurance is $1158 for a six-month
policy. It will cost around $417 per month to insure your
car in Kew Gardens.
Is car insurance expensive in Kew Gardens?
Car insurance can be expensive in Kew Gardens if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Kew Gardens can be
affordable.
What is the best car insurance in Kew Gardens,
NY?
The best car insurance company in Kew Gardens
NY is
Kemper, offering $1187 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Kew Gardens, NY
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Kew Gardens Car Insurance
