Cheapest Car Insurance Quotes in Lake Mohegan

Finding the cheapest car insurance quotes in Lake Mohegan 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Lake Mohegan Car Insurance

^$ 49

/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 Mohegan

The car insurance rate in Lake Mohegan is $1152 for a six-month policy, which is $123 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $618, making it a popular choice for budget-conscious drivers. Rates in Lake Mohegan 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 Mohegan

$1152

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Lake Mohegan

1st place: Kemper

At $618 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 $819 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $825 for six months, making it the third cheapest auto insurance company in Lake Mohegan.

Lake Mohegan Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Mohegan, NY is Kemper, offering policies at just $618 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $819.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1723 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Mohegan drivers find the best deals.

Cheap Car Insurance Companies in Lake Mohegan, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$618	$105
New York Central Mutual Fire	$819	$137
Progressive	$825	$139
American Family	$958	$161
NYCM	$1005	$169
Erie	$1204	$200
Nationwide	$1211	$206
USAA	$1217	$205
State Farm	$1510	$254
Travelers	$1590	$268
Allstate	$1723	$290

Key Takeaways

Way's key takeaways about car insurance in Lake Mohegan

The auto insurance costs in Lake Mohegan fall around $618 for six months.
The cheapest auto insurance company in Lake Mohegan is New York Central Mutual Fire.
Teen drivers pay the highest rate in Lake Mohegan at $878 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 Lake Mohegan

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 Mohegan are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Lake Mohegan. Their Average 6 Month Premium is $292. Preferred Mutual is the most expensive at $772 for the same period.

Cheapest Liability Coverage in Lake Mohegan, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$292	$49
NYCM	$306	$52
Kemper	$360	$59
Progressive	$426	$72
American Family	$432	$73
USAA	$525	$88
Nationwide	$559	$93
Erie	$706	$120
State Farm	$819	$138
Travelers	$878	$148
Allstate	$918	$155
Utica National	$638	$109
Preferred Mutual	$772	$129

Cheapest Full Coverage Car Insurance in Lake Mohegan

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 Mohegan is Kemper at $105 per month and $618 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Mohegan, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$618	$105
New York Central Mutual Fire	$819	$137
Progressive	$825	$139
American Family	$958	$161
NYCM	$1005	$169
Erie	$1204	$200
Nationwide	$1211	$206
USAA	$1217	$205
State Farm	$1510	$254
Travelers	$1590	$268
Allstate	$1723	$290

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Lake Mohegan Instantly!

Average Car Insurance in Lake Mohegan 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 Mohegan, NY increasing?

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

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	$631
30s	National Grange Mutual	$449
40s	National Grange Mutual	$432
50s	National Grange Mutual	$439
60s	National Grange Mutual	$473
70s	National Grange Mutual	$648

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

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Lake Mohegan at $69 per month. At $5216 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$419	$69
American Family	$505	$85
NYCM	$844	$142
Progressive	$1337	$225
New York Central Mutual Fire	$1457	$243
USAA	$2675	$450
Nationwide	$3493	$582
Travelers	$4324	$728
Allstate	$4677	$787
State Farm	$5216	$878

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 Mohegan.

As young drivers face the highest rates in Lake Mohegan, National Grange Mutual offers the cheapest auto insurance rates at $631 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 Mohegan, Chubb is the cheapest car insurance provider. At $898 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 Mohegan is Progressive, offering rates of around $5795 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$898	$150
Kemper	$939	$159
Nationwide	$1211	$202
USAA	$1677	$286
NYCM	$1749	$291
Erie	$1896	$323
American Family	$2229	$372
Allstate	$2281	$384
State Farm	$2362	$398
Mercury	$2774	$472
Travelers	$2834	$477
Progressive	$5795	$976

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Lake Mohegan

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

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

The cheapest car insurance companies after an at-fault accident in Lake Mohegan include Kemper and American Family, offering $519 and $532, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $645.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$519	$86
American Family	$532	$90
NYCM	$645	$109
Erie	$706	$120
Chubb	$778	$130
Progressive	$851	$143
New York Central Mutual Fire	$984	$165
USAA	$1057	$178
Nationwide	$1590	$265
Allstate	$1604	$270
State Farm	$1936	$326
Travelers	$1969	$332
Utica National	$638	$109
Preferred Mutual	$645	$108

Lake Mohegan Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Mohegan NY. For example, the car insurance in Lake Mohegan after a DUI increases to $799 for a six month policy. While the rate increases by $127 for a six-month policy in the case of a speeding ticket.

Lake Mohegan auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1403	$234
One Med/PIP claim	$1403	$239
One comp claim	$1417	$236
Two comp claims	$1430	$243
Two Med/PIP claims	$1430	$239
Not-at-fault accident	$1437	$244
Failure to show documents	$1457	$243
Failure to wear a seat belt	$1464	$249
Driving with expired registration	$1477	$246
At-fault accident - less than $1000	$1484	$252
Cell phone violation	$1484	$248
Child safety restraint	$1484	$252
Driving without lights	$1484	$248
Failure to stop at a red light	$1484	$252
Failure to yield	$1484	$248
Following too closely	$1484	$252
Illegal turn	$1484	$248
Improper passing	$1484	$252
Passing school bus	$1484	$248
Texting while driving	$1484	$252
Wrong way/wrong lane	$1484	$248
Driving too slowly	$1497	$254
Speeding in school zone	$1497	$250
At-fault accident - $1000-$2000	$1503	$255
Speeding 11 - 15 MPH over limit	$1530	$255
Speeding 6 - 10 MPH over limit	$1530	$260
Operating a vehicle without permission	$1557	$260
Open container	$1577	$268
In 65 MPH zone	$1643	$274
Speeding 16 - 20 MPH over limit	$1663	$283
Speeding 21 - 25 MPH over limit	$1723	$287
At-fault accident - greater than $2000	$1856	$316
Reckless driving	$1982	$330
Racing	$2062	$351
Driving with a suspended license	$2136	$356
Refusal to submit to a chemical test	$2182	$371
DUI	$2202	$367
Leaving scene of an accident/hit and run	$2236	$380

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Mohegan 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 Mohegan.

The cheapest car insurance premiums in Lake Mohegan are offered by American Family at $505 for a six-month policy. However, it can be as expensive as $2256 with companies like State Farm.

Lake Mohegan car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$505	$85
Kemper	$532	$91
Progressive	$645	$109
NYCM	$812	$137
New York Central Mutual Fire	$1197	$199
USAA	$1277	$215
Allstate	$1896	$319
Travelers	$1949	$328
Nationwide	$1976	$329
State Farm	$2256	$380

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 Mohegan are offered by American Family at $446. However, it can be as expensive as $2288 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lake Mohegan after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$446	$76
Kemper	$446	$74
Progressive	$552	$93
NYCM	$738	$123
USAA	$1005	$171
Nationwide	$1384	$231
State Farm	$1497	$254
Travelers	$2188	$365
Allstate	$2288	$389

Car Insurance Price Trends in Lake Mohegan, New York

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

The average cost of full coverage in the Lake Mohegan dipped by $277 in December compared to $278 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 Mohegan dipped to $95 in December, compared to $99 in November. This represents an decrease of $4 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Lake Mohegan?

The car insurance in Lake Mohegan is $49 per month, which is lower than the national average.

What is the cheapest car insurance in Lake Mohegan?

The cheapest car insurance in Lake Mohegan is $105 per month for full coverage.

How much is car insurance in Lake Mohegan for teenagers?

Car insurance for teenagers costs $419 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 Mohegan?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $194 per month to insure your car in Lake Mohegan.

Is car insurance expensive in Lake Mohegan?

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

Cheapest Car Insurance Quotes in Lake Mohegan

Why you can trust Way?

How Much Is Car Insurance in Lake Mohegan

Avg. Car Insurance in Lake Mohegan

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Lake Mohegan

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Lake Mohegan Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Mohegan, NY

Way's key takeaways about car insurance in Lake Mohegan

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake Mohegan

Cheapest Liability Coverage in Lake Mohegan, NY

Cheapest Full Coverage Car Insurance in Lake Mohegan

Cheapest Full Coverage Car Insurance Quotes in Lake Mohegan, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake Mohegan by Rating Factor

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

Car Insurance Premiums by Age in Lake Mohegan

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Mohegan

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

Lake Mohegan Car Insurance Rates by Violation

Lake Mohegan auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake Mohegan after a DUI

Lake Mohegan car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake Mohegan after Speeding ticket

Car Insurance Price Trends in Lake Mohegan, New York

Average Car Insurance Cost in Lake Mohegan by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake Mohegan, NY

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

Featured Blogs

Data Sources