Cheapest Car Insurance Quotes in Lake Erie Beach

Finding the cheapest car insurance quotes in Lake Erie Beach 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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Lake Erie Beach Car Insurance

^$ 39

/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 Lake Erie Beach

The car insurance rate in Lake Erie Beach is $906 for a six-month policy, which is $123 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $486, making it a popular choice for budget-conscious drivers. Rates in Lake Erie Beach 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 Lake Erie Beach

$906

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Lake Erie Beach

1st place: Kemper

At $486 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 $643 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $649 for six months, making it the third cheapest auto insurance company in Lake Erie Beach.

Lake Erie Beach Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Erie Beach, NY is Kemper, offering policies at just $486 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $643.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1353 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Erie Beach drivers find the best deals.

Cheap Car Insurance Companies in Lake Erie Beach, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$486	$83
New York Central Mutual Fire	$643	$107
Progressive	$649	$109
American Family	$752	$127
NYCM	$789	$133
Erie	$946	$158
Nationwide	$951	$162
USAA	$957	$161
State Farm	$1186	$200
Travelers	$1250	$210
Allstate	$1353	$228

Key Takeaways

Way's key takeaways about car insurance in Lake Erie Beach

The auto insurance costs in Lake Erie Beach fall around $486 for six months.
The cheapest auto insurance company in Lake Erie Beach is New York Central Mutual Fire.
Teen drivers pay the highest rate in Lake Erie Beach at $690 per month.

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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	$240	$40
Kemper	$282	$47
Progressive	$334	$56
American Family	$340	$57
USAA	$413	$70
Nationwide	$439	$73
Erie	$554	$94
State Farm	$643	$108
Travelers	$690	$116
Allstate	$722	$121
Utica National	$502	$85
Preferred Mutual	$606	$101

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	$649	$109
American Family	$752	$127
NYCM	$789	$133
Erie	$946	$158
Nationwide	$951	$162
USAA	$957	$161
State Farm	$1186	$200
Travelers	$1250	$210
Allstate	$1353	$228

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Average Car Insurance in Lake Erie Beach 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 Lake Erie Beach, NY increasing?

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

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	National Grange Mutual	$495
30s	National Grange Mutual	$353
40s	National Grange Mutual	$340
50s	National Grange Mutual	$345
60s	National Grange Mutual	$371
70s	National Grange Mutual	$510

Cheapest Car Insurance Rates for Teen Drivers in Lake Erie Beach,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Lake Erie Beach at $55 per month. At $4098 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$329	$55
American Family	$397	$67
NYCM	$664	$112
Progressive	$1051	$177
New York Central Mutual Fire	$1145	$191
USAA	$2101	$354
Nationwide	$2745	$458
Travelers	$3398	$572
Allstate	$3675	$619
State Farm	$4098	$690

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 Lake Erie Beach.

As young drivers face the highest rates in Lake Erie Beach, National Grange Mutual offers the cheapest auto insurance rates at $495 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 Lake Erie Beach, Chubb is the cheapest car insurance provider. At $706 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 Lake Erie Beach is Progressive, offering rates of around $4553 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$706	$118
Kemper	$737	$125
Nationwide	$951	$158
USAA	$1317	$224
NYCM	$1375	$229
Erie	$1490	$253
American Family	$1751	$292
Allstate	$1793	$302
State Farm	$1856	$312
Mercury	$2180	$370
Travelers	$2226	$375
Progressive	$4553	$766

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Lake Erie Beach

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

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

The cheapest car insurance companies after an at-fault accident in Lake Erie Beach include Kemper and American Family, offering $407 and $418, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $507.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$407	$68
American Family	$418	$70
NYCM	$507	$85
Erie	$554	$94
Chubb	$612	$102
Progressive	$669	$113
New York Central Mutual Fire	$774	$129
USAA	$831	$140
Nationwide	$1250	$209
Allstate	$1260	$212
State Farm	$1522	$256
Travelers	$1547	$260
Utica National	$502	$85
Preferred Mutual	$507	$84

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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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 Lake Erie Beach 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 Lake Erie Beach.

The cheapest car insurance premiums in Lake Erie Beach are offered by American Family at $397 for a six-month policy. However, it can be as expensive as $1772 with companies like State Farm.

Lake Erie Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$397	$67
Kemper	$418	$71
Progressive	$507	$85
NYCM	$638	$107
New York Central Mutual Fire	$941	$157
USAA	$1003	$169
Allstate	$1490	$251
Travelers	$1531	$258
Nationwide	$1552	$259
State Farm	$1772	$298

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 Lake Erie Beach are offered by American Family at $350. However, it can be as expensive as $1798 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lake Erie Beach after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$350	$60
Kemper	$350	$58
Progressive	$434	$73
NYCM	$580	$97
USAA	$789	$135
Nationwide	$1088	$181
State Farm	$1177	$200
Travelers	$1720	$287
Allstate	$1798	$305

Car Insurance Price Trends in Lake Erie Beach, New York

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

The average cost of full coverage in the Lake Erie Beach dipped by $217 in December compared to $218 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 Lake Erie Beach dipped to $75 in December, compared to $77 in November. This represents an decrease of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Lake Erie Beach?

The car insurance in Lake Erie Beach is $39 per month, which is lower than the national average.

What is the cheapest car insurance in Lake Erie Beach?

The cheapest car insurance in Lake Erie Beach is $83 per month for full coverage.

How much is car insurance in Lake Erie Beach for teenagers?

Car insurance for teenagers costs $329 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 Lake Erie Beach?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $152 per month to insure your car in Lake Erie Beach.

Is car insurance expensive in Lake Erie Beach?

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

Cheapest Car Insurance Quotes in Lake Erie Beach

Why you can trust Way?

How Much Is Car Insurance in Lake Erie Beach

Avg. Car Insurance in Lake Erie Beach

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Lake Erie Beach

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Lake Erie Beach Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Erie Beach, NY

Way's key takeaways about car insurance in Lake Erie Beach

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake Erie Beach

Cheapest Liability Coverage in Lake Erie Beach, NY

Cheapest Full Coverage Car Insurance in Lake Erie Beach

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

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake Erie Beach by Rating Factor

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

Car Insurance Premiums by Age in Lake Erie Beach

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lake Erie Beach,NY

If you are in your twenties National Grange Mutual is the best choice for car insurance in Lake Erie Beach.

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 Lake Erie Beach

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

Lake Erie Beach Car Insurance Rates by Violation

Lake Erie Beach auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake Erie Beach after a DUI

Lake Erie Beach car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake Erie Beach after Speeding ticket

Car Insurance Price Trends in Lake Erie Beach, New York

Average Car Insurance Cost in Lake Erie Beach by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake Erie Beach, NY

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

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