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 $1821 for a six-month policy, which is $792 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

$1821

Avg. Car Insurance in New York

$1029

National Average

$1140

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 $1304 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, Allstate is the most expensive, with rates reaching $2722 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	$1304	$219
American Family	$1513	$255
NYCM	$1588	$267
Erie	$1903	$317
Nationwide	$1913	$326
USAA	$1924	$324
State Farm	$2386	$402
Travelers	$2513	$423
Allstate	$2722	$458

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 $1388 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	$483	$81
Kemper	$568	$94
Progressive	$673	$113
American Family	$683	$115
USAA	$830	$140
Nationwide	$883	$147
Erie	$1115	$189
State Farm	$1294	$218
Travelers	$1388	$234
Allstate	$1451	$244
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	$1304	$219
American Family	$1513	$255
NYCM	$1588	$267
Erie	$1903	$317
Nationwide	$1913	$326
USAA	$1924	$324
State Farm	$2386	$402
Travelers	$2513	$423
Allstate	$2722	$458

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	National Grange Mutual	$997
30s	National Grange Mutual	$710
40s	National Grange Mutual	$683
50s	National Grange Mutual	$694
60s	National Grange Mutual	$747
70s	National Grange Mutual	$1025

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 $110 per month. At $8243 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	$110
American Family	$798	$135
NYCM	$1335	$225
Progressive	$2113	$356
New York Central Mutual Fire	$2303	$384
USAA	$4227	$712
Nationwide	$5521	$920
Travelers	$6834	$1151
Allstate	$7392	$1244
State Farm	$8243	$1388

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 Lido Beach.

As young drivers face the highest rates in Lido Beach, National Grange Mutual offers the cheapest auto insurance rates at $997 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 Lido Beach, Chubb is the cheapest car insurance provider. At $1420 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 $9158 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1420	$237
Kemper	$1483	$251
Nationwide	$1913	$319
USAA	$2650	$451
NYCM	$2765	$460
Erie	$2997	$510
American Family	$3522	$588
Allstate	$3605	$607
State Farm	$3733	$628
Mercury	$4384	$745
Travelers	$4478	$754
Progressive	$9158	$1542

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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
NYCM	$1020	$172
Erie	$1115	$189
Chubb	$1230	$205
Progressive	$1345	$227
New York Central Mutual Fire	$1556	$260
USAA	$1671	$281
Nationwide	$2513	$419
Allstate	$2535	$427
State Farm	$3060	$515
Travelers	$3112	$524
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 $3565 with companies like State Farm.

Lido Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$798	$135
Kemper	$841	$143
Progressive	$1020	$172
NYCM	$1283	$216
New York Central Mutual Fire	$1892	$315
USAA	$2018	$340
Allstate	$2997	$504
Travelers	$3080	$519
Nationwide	$3122	$520
State Farm	$3565	$600

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 $3616 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	$120
Kemper	$704	$117
Progressive	$873	$147
NYCM	$1166	$195
USAA	$1588	$271
Nationwide	$2188	$365
State Farm	$2366	$402
Travelers	$3459	$577
Allstate	$3616	$614

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 dipped by $437 in December compared to $439 of November. In other words, there has been an decrease by $2 when you compare December and November.

The average cost of liability insurance in the Lido Beach dipped to $150 in December, compared to $156 in November. This represents an decrease of $6 when comparing December and November.

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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 $1029 for a six-month policy. It will cost around $306 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 National Grange Mutual 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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