Cheapest Car Insurance Quotes in Lake Katrine

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Lake Katrine Car Insurance

^$ 44

/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 Katrine

The car insurance rate in Lake Katrine is $1029 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $552, making it a popular choice for budget-conscious drivers. Rates in Lake Katrine 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 Katrine

$1029

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Lake Katrine

1st place: Kemper

At $552 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 $731 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $737 for six months, making it the third cheapest auto insurance company in Lake Katrine.

Lake Katrine Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Katrine, NY is Kemper, offering policies at just $552 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $731.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1538 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Katrine drivers find the best deals.

Cheap Car Insurance Companies in Lake Katrine, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$552	$94
New York Central Mutual Fire	$731	$122
Progressive	$737	$124
American Family	$855	$144
NYCM	$897	$151
Erie	$1075	$179
Nationwide	$1081	$184
USAA	$1087	$183
State Farm	$1348	$227
Travelers	$1420	$239
Allstate	$1538	$259

Key Takeaways

Way's key takeaways about car insurance in Lake Katrine

The auto insurance costs in Lake Katrine fall around $552 for six months.
The cheapest auto insurance company in Lake Katrine is New York Central Mutual Fire.
Teen drivers pay the highest rate in Lake Katrine at $784 per month.

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

Cheapest Minimum Liability Car Insurance in Lake Katrine

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 Katrine are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Lake Katrine. Their Average 6 Month Premium is $261. Preferred Mutual is the most expensive at $689 for the same period.

Cheapest Liability Coverage in Lake Katrine, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$261	$44
NYCM	$273	$46
Kemper	$321	$53
Progressive	$380	$64
American Family	$386	$65
USAA	$469	$79
Nationwide	$499	$83
Erie	$630	$107
State Farm	$731	$123
Travelers	$784	$132
Allstate	$820	$138
Utica National	$570	$97
Preferred Mutual	$689	$115

Cheapest Full Coverage Car Insurance in Lake Katrine

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 Katrine is Kemper at $94 per month and $552 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Katrine, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$552	$94
New York Central Mutual Fire	$731	$122
Progressive	$737	$124
American Family	$855	$144
NYCM	$897	$151
Erie	$1075	$179
Nationwide	$1081	$184
USAA	$1087	$183
State Farm	$1348	$227
Travelers	$1420	$239
Allstate	$1538	$259

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Average Car Insurance in Lake Katrine 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 Katrine, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Lake Katrine, 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 Katrine'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 Katrine

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	$563
30s	National Grange Mutual	$401
40s	National Grange Mutual	$386
50s	National Grange Mutual	$392
60s	National Grange Mutual	$422
70s	National Grange Mutual	$579

Cheapest Car Insurance Rates for Teen Drivers in Lake Katrine,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Lake Katrine at $62 per month. At $4657 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$374	$62
American Family	$451	$76
NYCM	$754	$127
Progressive	$1194	$201
New York Central Mutual Fire	$1301	$217
USAA	$2388	$402
Nationwide	$3119	$520
Travelers	$3861	$650
Allstate	$4176	$703
State Farm	$4657	$784

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 Katrine.

As young drivers face the highest rates in Lake Katrine, National Grange Mutual offers the cheapest auto insurance rates at $563 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 Katrine, Chubb is the cheapest car insurance provider. At $802 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 Katrine is Progressive, offering rates of around $5174 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$802	$134
Kemper	$838	$142
Nationwide	$1081	$180
USAA	$1497	$255
NYCM	$1562	$260
Erie	$1693	$288
American Family	$1990	$332
Allstate	$2037	$343
State Farm	$2109	$355
Mercury	$2477	$421
Travelers	$2530	$426
Progressive	$5174	$871

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Lake Katrine

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

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

The cheapest car insurance companies after an at-fault accident in Lake Katrine include Kemper and American Family, offering $463 and $475, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $576.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$463	$77
American Family	$475	$80
NYCM	$576	$97
Erie	$630	$107
Chubb	$695	$116
Progressive	$760	$128
New York Central Mutual Fire	$879	$147
USAA	$944	$159
Nationwide	$1420	$237
Allstate	$1432	$241
State Farm	$1729	$291
Travelers	$1758	$296
Utica National	$570	$97
Preferred Mutual	$576	$96

Lake Katrine Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Katrine NY. For example, the car insurance in Lake Katrine after a DUI increases to $713 for a six month policy. While the rate increases by $113 for a six-month policy in the case of a speeding ticket.

Lake Katrine auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1253	$209
One Med/PIP claim	$1253	$213
One comp claim	$1265	$211
Two comp claims	$1277	$217
Two Med/PIP claims	$1277	$213
Not-at-fault accident	$1283	$218
Failure to show documents	$1301	$217
Failure to wear a seat belt	$1307	$222
Driving with expired registration	$1319	$220
At-fault accident - less than $1000	$1325	$225
Cell phone violation	$1325	$221
Child safety restraint	$1325	$225
Driving without lights	$1325	$221
Failure to stop at a red light	$1325	$225
Failure to yield	$1325	$221
Following too closely	$1325	$225
Illegal turn	$1325	$221
Improper passing	$1325	$225
Passing school bus	$1325	$221
Texting while driving	$1325	$225
Wrong way/wrong lane	$1325	$221
Driving too slowly	$1337	$227
Speeding in school zone	$1337	$223
At-fault accident - $1000-$2000	$1342	$228
Speeding 11 - 15 MPH over limit	$1366	$228
Speeding 6 - 10 MPH over limit	$1366	$232
Operating a vehicle without permission	$1390	$232
Open container	$1408	$239
In 65 MPH zone	$1467	$245
Speeding 16 - 20 MPH over limit	$1485	$253
Speeding 21 - 25 MPH over limit	$1538	$256
At-fault accident - greater than $2000	$1657	$282
Reckless driving	$1770	$295
Racing	$1841	$313
Driving with a suspended license	$1907	$318
Refusal to submit to a chemical test	$1948	$331
DUI	$1966	$328
Leaving scene of an accident/hit and run	$1996	$339

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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 Katrine 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 Katrine.

The cheapest car insurance premiums in Lake Katrine are offered by American Family at $451 for a six-month policy. However, it can be as expensive as $2014 with companies like State Farm.

Lake Katrine car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$451	$76
Kemper	$475	$81
Progressive	$576	$97
NYCM	$725	$122
New York Central Mutual Fire	$1069	$178
USAA	$1140	$192
Allstate	$1693	$285
Travelers	$1740	$293
Nationwide	$1764	$294
State Farm	$2014	$339

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 Katrine are offered by American Family at $398. However, it can be as expensive as $2043 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lake Katrine after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$398	$68
Kemper	$398	$66
Progressive	$493	$83
NYCM	$659	$110
USAA	$897	$153
Nationwide	$1236	$206
State Farm	$1337	$227
Travelers	$1954	$326
Allstate	$2043	$347

Car Insurance Price Trends in Lake Katrine, New York

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

The average cost of full coverage in the Lake Katrine dipped by $247 in December compared to $248 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 Katrine dipped to $85 in December, compared to $88 in November. This represents an decrease of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Lake Katrine?

The car insurance in Lake Katrine is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Lake Katrine?

The cheapest car insurance in Lake Katrine is $94 per month for full coverage.

How much is car insurance in Lake Katrine for teenagers?

Car insurance for teenagers costs $374 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 Katrine?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $173 per month to insure your car in Lake Katrine.

Is car insurance expensive in Lake Katrine?

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

Cheapest Car Insurance Quotes in Lake Katrine

Why you can trust Way?

How Much Is Car Insurance in Lake Katrine

Avg. Car Insurance in Lake Katrine

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Lake Katrine

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Lake Katrine Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Katrine, NY

Way's key takeaways about car insurance in Lake Katrine

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake Katrine

Cheapest Liability Coverage in Lake Katrine, NY

Cheapest Full Coverage Car Insurance in Lake Katrine

Cheapest Full Coverage Car Insurance Quotes in Lake Katrine, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake Katrine by Rating Factor

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

Car Insurance Premiums by Age in Lake Katrine

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lake Katrine,NY

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

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 Katrine

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

Lake Katrine Car Insurance Rates by Violation

Lake Katrine auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake Katrine after a DUI

Lake Katrine car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake Katrine after Speeding ticket

Car Insurance Price Trends in Lake Katrine, New York

Average Car Insurance Cost in Lake Katrine by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake Katrine, NY

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

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