Cheapest Car Insurance Quotes in Kings Park

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Kings Park Car Insurance

^$ 61

/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 Kings Park

The car insurance rate in Kings Park is $1420 for a six-month policy, which is $391 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $762, making it a popular choice for budget-conscious drivers. Rates in Kings 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 Kings Park

$1420

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Kings Park

1st place: Kemper

At $762 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 $1009 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1017 for six months, making it the third cheapest auto insurance company in Kings Park.

Kings Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kings Park, NY is Kemper, offering policies at just $762 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1009.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2122 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kings Park drivers find the best deals.

Cheap Car Insurance Companies in Kings Park, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$762	$130
New York Central Mutual Fire	$1009	$168
Progressive	$1017	$171
American Family	$1180	$199
NYCM	$1238	$208
Erie	$1483	$247
Nationwide	$1492	$254
USAA	$1500	$253
State Farm	$1860	$313
Travelers	$1960	$330
Allstate	$2122	$357

Key Takeaways

Way's key takeaways about car insurance in Kings Park

The auto insurance costs in Kings Park fall around $762 for six months.
The cheapest auto insurance company in Kings Park is New York Central Mutual Fire.
Teen drivers pay the highest rate in Kings Park at $1082 per month.

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Cheapest Minimum Liability Car Insurance in Kings 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 Kings Park are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Kings Park. Their Average 6 Month Premium is $360. Preferred Mutual is the most expensive at $951 for the same period.

Cheapest Liability Coverage in Kings Park, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$360	$61
NYCM	$377	$63
Kemper	$443	$73
Progressive	$524	$88
American Family	$533	$90
USAA	$647	$109
Nationwide	$689	$115
Erie	$869	$148
State Farm	$1009	$170
Travelers	$1082	$182
Allstate	$1132	$190
Utica National	$787	$134
Preferred Mutual	$951	$159

Cheapest Full Coverage Car Insurance in Kings 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 Kings Park is Kemper at $130 per month and $762 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kings Park, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$762	$130
New York Central Mutual Fire	$1009	$168
Progressive	$1017	$171
American Family	$1180	$199
NYCM	$1238	$208
Erie	$1483	$247
Nationwide	$1492	$254
USAA	$1500	$253
State Farm	$1860	$313
Travelers	$1960	$330
Allstate	$2122	$357

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Average Car Insurance in Kings 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 Kings Park, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Kings 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, Kings 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 Kings 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	$777
30s	National Grange Mutual	$553
40s	National Grange Mutual	$533
50s	National Grange Mutual	$541
60s	National Grange Mutual	$582
70s	National Grange Mutual	$799

Cheapest Car Insurance Rates for Teen Drivers in Kings Park,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Kings Park at $86 per month. At $6427 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$516	$86
American Family	$622	$105
NYCM	$1041	$175
Progressive	$1648	$277
New York Central Mutual Fire	$1795	$299
USAA	$3295	$555
Nationwide	$4304	$718
Travelers	$5328	$897
Allstate	$5763	$970
State Farm	$6427	$1082

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 Kings Park.

As young drivers face the highest rates in Kings Park, National Grange Mutual offers the cheapest auto insurance rates at $777 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 Kings Park, Chubb is the cheapest car insurance provider. At $1107 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 Kings Park is Progressive, offering rates of around $7140 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1107	$185
Kemper	$1156	$196
Nationwide	$1492	$248
USAA	$2066	$352
NYCM	$2156	$359
Erie	$2336	$397
American Family	$2746	$458
Allstate	$2811	$473
State Farm	$2910	$490
Mercury	$3418	$581
Travelers	$3491	$588
Progressive	$7140	$1202

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Car Insurance Rates with An Accident in Kings 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 Kings Park, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Kings Park

The cheapest car insurance companies after an at-fault accident in Kings Park include Kemper and American Family, offering $639 and $656, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $795.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$639	$106
American Family	$656	$110
NYCM	$795	$134
Erie	$869	$148
Chubb	$959	$160
Progressive	$1049	$177
New York Central Mutual Fire	$1213	$203
USAA	$1303	$219
Nationwide	$1960	$327
Allstate	$1976	$333
State Farm	$2386	$402
Travelers	$2426	$408
Utica National	$787	$134
Preferred Mutual	$795	$132

Kings Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kings Park NY. For example, the car insurance in Kings Park after a DUI increases to $984 for a six month policy. While the rate increases by $156 for a six-month policy in the case of a speeding ticket.

Kings Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1729	$288
One Med/PIP claim	$1729	$294
One comp claim	$1746	$291
Two comp claims	$1762	$299
Two Med/PIP claims	$1762	$294
Not-at-fault accident	$1771	$301
Failure to show documents	$1795	$299
Failure to wear a seat belt	$1804	$306
Driving with expired registration	$1820	$304
At-fault accident - less than $1000	$1828	$311
Cell phone violation	$1828	$305
Child safety restraint	$1828	$311
Driving without lights	$1828	$305
Failure to stop at a red light	$1828	$311
Failure to yield	$1828	$305
Following too closely	$1828	$311
Illegal turn	$1828	$305
Improper passing	$1828	$311
Passing school bus	$1828	$305
Texting while driving	$1828	$311
Wrong way/wrong lane	$1828	$305
Driving too slowly	$1845	$313
Speeding in school zone	$1845	$308
At-fault accident - $1000-$2000	$1852	$315
Speeding 11 - 15 MPH over limit	$1885	$315
Speeding 6 - 10 MPH over limit	$1885	$320
Operating a vehicle without permission	$1918	$320
Open container	$1943	$330
In 65 MPH zone	$2024	$338
Speeding 16 - 20 MPH over limit	$2049	$349
Speeding 21 - 25 MPH over limit	$2122	$353
At-fault accident - greater than $2000	$2287	$389
Reckless driving	$2443	$407
Racing	$2541	$432
Driving with a suspended license	$2632	$439
Refusal to submit to a chemical test	$2688	$457
DUI	$2713	$453
Leaving scene of an accident/hit and run	$2754	$468

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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 Kings 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 Kings Park.

The cheapest car insurance premiums in Kings Park are offered by American Family at $622 for a six-month policy. However, it can be as expensive as $2779 with companies like State Farm.

Kings Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$622	$105
Kemper	$656	$112
Progressive	$795	$134
NYCM	$1000	$168
New York Central Mutual Fire	$1475	$246
USAA	$1573	$265
Allstate	$2336	$393
Travelers	$2401	$404
Nationwide	$2434	$406
State Farm	$2779	$468

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 Kings Park are offered by American Family at $549. However, it can be as expensive as $2819 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Kings Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$549	$94
Kemper	$549	$91
Progressive	$680	$115
NYCM	$909	$152
USAA	$1238	$211
Nationwide	$1706	$284
State Farm	$1845	$313
Travelers	$2697	$450
Allstate	$2819	$479

Car Insurance Price Trends in Kings Park, New York

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

The average cost of full coverage in the Kings Park dipped by $341 in December compared to $342 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 Kings Park dipped to $117 in December, compared to $121 in November. This represents an decrease of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Kings Park?

The car insurance in Kings Park is $61 per month, which is lower than the national average.

What is the cheapest car insurance in Kings Park?

The cheapest car insurance in Kings Park is $130 per month for full coverage.

How much is car insurance in Kings Park for teenagers?

Car insurance for teenagers costs $516 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 Kings Park?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $239 per month to insure your car in Kings Park.

Is car insurance expensive in Kings Park?

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

Cheapest Car Insurance Quotes in Kings Park

Why you can trust Way?

How Much Is Car Insurance in Kings Park

Avg. Car Insurance in Kings Park

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Kings Park

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Kings Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Kings Park, NY

Way's key takeaways about car insurance in Kings Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Kings Park

Cheapest Liability Coverage in Kings Park, NY

Cheapest Full Coverage Car Insurance in Kings Park

Cheapest Full Coverage Car Insurance Quotes in Kings Park, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Kings Park by Rating Factor

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

Car Insurance Premiums by Age in Kings Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Kings Park,NY

If you are in your twenties National Grange Mutual is the best choice for car insurance in Kings 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 Kings Park

Cheapest Car Insurance Companies after an At-Fault Accident in Kings Park

Kings Park Car Insurance Rates by Violation

Kings Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Kings Park after a DUI

Kings Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Kings Park after Speeding ticket

Car Insurance Price Trends in Kings Park, New York

Average Car Insurance Cost in Kings Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Kings Park, NY

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

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