Cheapest Car Insurance Quotes in Lido Beach

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Lido Beach Car Insurance

^$ 78

/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 Lido Beach

The car insurance rate in Lido Beach is $2050 for a six-month policy, which is $892 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $977, making it a popular choice for budget-conscious drivers. Rates in Lido 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 Lido Beach

$2050

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Lido Beach

1st place: Kemper

At $977 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 $1294 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1377 for six months, making it the third cheapest auto insurance company in Lido Beach.

Lido Beach Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lido Beach, NY is Kemper, offering policies at just $977 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1294.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $3144 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lido Beach drivers find the best deals.

Cheap Car Insurance Companies in Lido Beach, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$977	$166
New York Central Mutual Fire	$1294	$216
Progressive	$1377	$232
American Family	$1513	$255
NYCM	$1830	$308
USAA	$2028	$342
Erie	$2071	$349
Nationwide	$2260	$377
Travelers	$2303	$388
State Farm	$2744	$462
Allstate	$3069	$517
Chubb	$3144	$524

Key Takeaways

Way's key takeaways about car insurance in Lido Beach

The auto insurance costs in Lido Beach fall around $977 for six months.
The cheapest auto insurance company in Lido Beach is New York Central Mutual Fire.
Teen drivers pay the highest rate in Lido Beach at $1581 per month.

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

Cheapest Minimum Liability Car Insurance in Lido 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 Lido Beach are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Lido Beach. Their Average 6 Month Premium is $462. Preferred Mutual is the most expensive at $1220 for the same period.

Cheapest Liability Coverage in Lido Beach, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$462	$78
NYCM	$547	$90
Kemper	$568	$97
American Family	$683	$115
Progressive	$704	$119
USAA	$904	$152
Erie	$1115	$189
Travelers	$1198	$200
Allstate	$1283	$218
State Farm	$1366	$228
Nationwide	$883	$147
Utica National	$1009	$172
Preferred Mutual	$1220	$204

Cheapest Full Coverage Car Insurance in Lido 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 Lido Beach is Kemper at $166 per month and $977 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lido Beach, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$977	$166
New York Central Mutual Fire	$1294	$216
Progressive	$1377	$232
American Family	$1513	$255
NYCM	$1830	$308
USAA	$2028	$342
Erie	$2071	$349
Nationwide	$2260	$377
Travelers	$2303	$388
State Farm	$2744	$462
Allstate	$3069	$517
Chubb	$3144	$524

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Average Car Insurance in Lido 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 Lido Beach, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Lido 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, Lido 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 Lido 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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Cheapest Car Insurance Rates for Teen Drivers in Lido Beach,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Lido Beach at $113 per month. At $9388 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$662	$113
American Family	$798	$135
NYCM	$1766	$297
Progressive	$2177	$366
New York Central Mutual Fire	$2303	$391
Erie	$4427	$738
USAA	$4868	$820
Travelers	$6402	$1078
Nationwide	$6666	$1133
Chubb	$6981	$1163
Allstate	$8032	$1352
State Farm	$9388	$1581

Teen Car Insurance Rates in NY by Age

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 Lido Beach, Kemper is the cheapest car insurance provider. At $1483 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 Lido Beach is Progressive, offering rates of around $8884 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1483	$248
Nationwide	$2260	$384
Chubb	$2682	$451
USAA	$3259	$554
Erie	$3469	$584
American Family	$3522	$598
NYCM	$3944	$657
Allstate	$4299	$724
Mercury	$4384	$731
State Farm	$4531	$763
Travelers	$5246	$883
Progressive	$8884	$1496

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

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

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

The cheapest car insurance companies after an at-fault accident in Lido Beach include Kemper and American Family, offering $820 and $841, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $1020.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$820	$136
American Family	$841	$142
Progressive	$1294	$218
NYCM	$1315	$221
New York Central Mutual Fire	$1556	$260
USAA	$1766	$297
Erie	$2260	$381
Chubb	$2565	$432
Allstate	$2765	$466
Travelers	$2850	$480
Nationwide	$2986	$497
State Farm	$3490	$588
Utica National	$1009	$172
Preferred Mutual	$1020	$170

Lido Beach Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lido Beach NY. For example, the car insurance in Lido Beach after a DUI increases to $1262 for a six month policy. While the rate increases by $200 for a six-month policy in the case of a speeding ticket.

Lido Beach auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2218	$370
One Med/PIP claim	$2218	$377
One comp claim	$2239	$373
Two comp claims	$2260	$384
Two Med/PIP claims	$2260	$377
Not-at-fault accident	$2271	$386
Failure to show documents	$2303	$384
Failure to wear a seat belt	$2313	$393
Driving with expired registration	$2335	$389
At-fault accident - less than $1000	$2345	$398
Cell phone violation	$2345	$391
Child safety restraint	$2345	$398
Driving without lights	$2345	$391
Failure to stop at a red light	$2345	$398
Failure to yield	$2345	$391
Following too closely	$2345	$398
Illegal turn	$2345	$391
Improper passing	$2345	$398
Passing school bus	$2345	$391
Texting while driving	$2345	$398
Wrong way/wrong lane	$2345	$391
Driving too slowly	$2366	$402
Speeding in school zone	$2366	$395
At-fault accident - $1000-$2000	$2375	$404
Speeding 11 - 15 MPH over limit	$2418	$404
Speeding 6 - 10 MPH over limit	$2418	$411
Operating a vehicle without permission	$2460	$411
Open container	$2492	$423
In 65 MPH zone	$2597	$434
Speeding 16 - 20 MPH over limit	$2628	$448
Speeding 21 - 25 MPH over limit	$2722	$453
At-fault accident - greater than $2000	$2933	$499
Reckless driving	$3133	$522
Racing	$3259	$554
Driving with a suspended license	$3375	$563
Refusal to submit to a chemical test	$3448	$586
DUI	$3480	$581
Leaving scene of an accident/hit and run	$3533	$600

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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 Lido 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 Lido Beach.

The cheapest car insurance premiums in Lido Beach are offered by American Family at $798 for a six-month policy. However, it can be as expensive as $3944 with companies like Chubb.

Lido Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$798	$135
Kemper	$841	$143
Progressive	$1083	$182
NYCM	$1641	$276
New York Central Mutual Fire	$1892	$315
USAA	$2156	$363
Travelers	$2818	$474
Allstate	$3333	$561
Erie	$3437	$573
Nationwide	$3733	$635
State Farm	$3922	$660
Chubb	$3944	$671

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 Lido Beach are offered by American Family at $704. However, it can be as expensive as $4489 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lido Beach after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$704	$117
Kemper	$704	$120
Progressive	$1020	$172
NYCM	$1651	$281
USAA	$1913	$319
Erie	$2239	$381
Nationwide	$2260	$377
Travelers	$2607	$443
State Farm	$3154	$526
Chubb	$3733	$635
Allstate	$4489	$749

Car Insurance Price Trends in Lido Beach, New York

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

The average cost of full coverage in the Lido Beach rose by $487 in January compared to $437 of December. In other words, there has been an increase by $50 when you compare January and December.

The average cost of liability insurance in the Lido Beach dipped to $142 in January, compared to $150 in December. This represents an decrease of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Lido Beach?

The car insurance in Lido Beach is $78 per month, which is lower than the national average.

What is the cheapest car insurance in Lido Beach?

The cheapest car insurance in Lido Beach is $166 per month for full coverage.

How much is car insurance in Lido Beach for teenagers?

Car insurance for teenagers costs $662 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 Lido Beach?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $343 per month to insure your car in Lido Beach.

Is car insurance expensive in Lido Beach?

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

Cheapest Car Insurance Quotes in Lido Beach

Why you can trust Way?

How Much Is Car Insurance in Lido Beach

Avg. Car Insurance in Lido Beach

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Lido Beach

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Lido Beach Car Insurance Rates by Company

Cheap Car Insurance Companies in Lido Beach, NY

Way's key takeaways about car insurance in Lido Beach

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lido Beach

Cheapest Liability Coverage in Lido Beach, NY

Cheapest Full Coverage Car Insurance in Lido Beach

Cheapest Full Coverage Car Insurance Quotes in Lido Beach, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lido Beach by Rating Factor

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

Car Insurance Premiums by Age in Lido Beach

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lido Beach,NY

If you are in your twenties N/A is the best choice for car insurance in Lido 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 Lido Beach

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

Lido Beach Car Insurance Rates by Violation

Lido Beach auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lido Beach after a DUI

Lido Beach car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lido Beach after Speeding ticket

Car Insurance Price Trends in Lido Beach, New York

Average Car Insurance Cost in Lido Beach by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lido Beach, NY

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

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