Cheapest Car Insurance Quotes in Lake Erie Beach

Cheapest Minimum Liability Car Insurance in Lake Erie Beach

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 Lake Erie Beach are given below. 

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Lake Erie Beach. Their Average 6 Month Premium is $230. Preferred Mutual is the most expensive at $606 for the same period. 

Cheapest Liability Coverage in Lake Erie Beach, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$230	$39
NYCM	$272	$45
Kemper	$282	$48
American Family	$340	$57
Progressive	$350	$59
USAA	$450	$76
Erie	$554	$94
Travelers	$596	$99
Allstate	$638	$108
State Farm	$679	$114
Nationwide	$439	$73
Utica National	$502	$85
Preferred Mutual	$606	$101

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Cheapest Full Coverage Car Insurance in Lake Erie Beach

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 Lake Erie Beach is Kemper at $83 per month and $486 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Lake Erie Beach, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$486	$83
New York Central Mutual Fire	$643	$107
Progressive	$685	$115
American Family	$752	$127
NYCM	$910	$153
USAA	$1008	$170
Erie	$1030	$173
Nationwide	$1124	$187
Travelers	$1145	$193
State Farm	$1364	$230
Allstate	$1526	$257
Chubb	$1563	$260

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Car Insurance Premiums by Age in Lake Erie Beach

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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Age Group	Cheapest Companies	Avg. 6 Mo. Premium

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Lake Erie Beach Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Erie Beach NY. For example, the car insurance in Lake Erie Beach after a DUI increases to $627 for a six month policy. While the rate increases by $99 for a six-month policy in the case of a speeding ticket.  

Lake Erie Beach auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1103	$184
One Med/PIP claim	$1103	$187
One comp claim	$1113	$186
Two comp claims	$1124	$191
Two Med/PIP claims	$1124	$187
Not-at-fault accident	$1129	$192
Failure to show documents	$1145	$191
Failure to wear a seat belt	$1150	$195
Driving with expired registration	$1161	$194
At-fault accident - less than $1000	$1166	$198
Cell phone violation	$1166	$194
Child safety restraint	$1166	$198
Driving without lights	$1166	$194
Failure to stop at a red light	$1166	$198
Failure to yield	$1166	$194
Following too closely	$1166	$198
Illegal turn	$1166	$194
Improper passing	$1166	$198
Passing school bus	$1166	$194
Texting while driving	$1166	$198
Wrong way/wrong lane	$1166	$194
Driving too slowly	$1177	$200
Speeding in school zone	$1177	$196
At-fault accident - $1000-$2000	$1181	$201
Speeding 11 - 15 MPH over limit	$1202	$201
Speeding 6 - 10 MPH over limit	$1202	$204
Operating a vehicle without permission	$1223	$204
Open container	$1239	$210
In 65 MPH zone	$1291	$216
Speeding 16 - 20 MPH over limit	$1307	$223
Speeding 21 - 25 MPH over limit	$1353	$225
At-fault accident - greater than $2000	$1458	$248
Reckless driving	$1558	$260
Racing	$1620	$275
Driving with a suspended license	$1678	$280
Refusal to submit to a chemical test	$1714	$291
DUI	$1730	$289
Leaving scene of an accident/hit and run	$1756	$298

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