Cheapest Car Insurance Quotes in Lime Lake

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Lime Lake Car Insurance

^$ 36

/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 Lime Lake

The car insurance rate in Lime Lake is $844 for a six-month policy, which is $185 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $453, making it a popular choice for budget-conscious drivers. Rates in Lime Lake 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 Lime Lake

$844

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Lime Lake

1st place: Kemper

At $453 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 $599 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $604 for six months, making it the third cheapest auto insurance company in Lime Lake.

Lime Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lime Lake, NY is Kemper, offering policies at just $453 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $599.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1261 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lime Lake drivers find the best deals.

Cheap Car Insurance Companies in Lime Lake, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$453	$77
New York Central Mutual Fire	$599	$100
Progressive	$604	$102
American Family	$701	$118
NYCM	$736	$124
Erie	$882	$147
Nationwide	$886	$151
USAA	$891	$150
State Farm	$1105	$186
Travelers	$1164	$196
Allstate	$1261	$212

Key Takeaways

Way's key takeaways about car insurance in Lime Lake

The auto insurance costs in Lime Lake fall around $453 for six months.
The cheapest auto insurance company in Lime Lake is New York Central Mutual Fire.
Teen drivers pay the highest rate in Lime Lake at $643 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 Lime Lake

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 Lime Lake are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Lime Lake. Their Average 6 Month Premium is $214. Preferred Mutual is the most expensive at $565 for the same period.

Cheapest Liability Coverage in Lime Lake, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$214	$36
NYCM	$224	$38
Kemper	$263	$43
Progressive	$312	$52
American Family	$317	$53
USAA	$385	$65
Nationwide	$409	$68
Erie	$517	$88
State Farm	$599	$101
Travelers	$643	$108
Allstate	$672	$113
Utica National	$467	$80
Preferred Mutual	$565	$94

Cheapest Full Coverage Car Insurance in Lime Lake

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 Lime Lake is Kemper at $77 per month and $453 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lime Lake, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$453	$77
New York Central Mutual Fire	$599	$100
Progressive	$604	$102
American Family	$701	$118
NYCM	$736	$124
Erie	$882	$147
Nationwide	$886	$151
USAA	$891	$150
State Farm	$1105	$186
Travelers	$1164	$196
Allstate	$1261	$212

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Average Car Insurance in Lime Lake 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 Lime Lake, NY increasing?

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

Car Insurance Premiums by Age in Lime Lake

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	$462
30s	National Grange Mutual	$329
40s	National Grange Mutual	$317
50s	National Grange Mutual	$321
60s	National Grange Mutual	$346
70s	National Grange Mutual	$475

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

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Lime Lake at $51 per month. At $3819 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$307	$51
American Family	$370	$62
NYCM	$618	$104
Progressive	$979	$165
New York Central Mutual Fire	$1067	$178
USAA	$1958	$330
Nationwide	$2558	$426
Travelers	$3166	$533
Allstate	$3424	$576
State Farm	$3819	$643

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 Lime Lake.

As young drivers face the highest rates in Lime Lake, National Grange Mutual offers the cheapest auto insurance rates at $462 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 Lime Lake, Chubb is the cheapest car insurance provider. At $658 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 Lime Lake is Progressive, offering rates of around $4243 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$658	$110
Kemper	$687	$116
Nationwide	$886	$148
USAA	$1228	$209
NYCM	$1281	$213
Erie	$1388	$236
American Family	$1632	$272
Allstate	$1670	$281
State Farm	$1729	$291
Mercury	$2031	$345
Travelers	$2075	$349
Progressive	$4243	$714

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

Car Insurance Rates with An Accident in Lime Lake

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

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

The cheapest car insurance companies after an at-fault accident in Lime Lake include Kemper and American Family, offering $380 and $390, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $472.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$380	$63
American Family	$390	$66
NYCM	$472	$80
Erie	$517	$88
Chubb	$570	$95
Progressive	$623	$105
New York Central Mutual Fire	$721	$121
USAA	$774	$130
Nationwide	$1164	$194
Allstate	$1174	$198
State Farm	$1418	$239
Travelers	$1442	$243
Utica National	$467	$80
Preferred Mutual	$472	$79

Lime Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lime Lake NY. For example, the car insurance in Lime Lake after a DUI increases to $585 for a six month policy. While the rate increases by $93 for a six-month policy in the case of a speeding ticket.

Lime Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1027	$171
One Med/PIP claim	$1027	$175
One comp claim	$1037	$173
Two comp claims	$1047	$178
Two Med/PIP claims	$1047	$175
Not-at-fault accident	$1052	$179
Failure to show documents	$1067	$178
Failure to wear a seat belt	$1072	$182
Driving with expired registration	$1082	$180
At-fault accident - less than $1000	$1087	$185
Cell phone violation	$1087	$181
Child safety restraint	$1087	$185
Driving without lights	$1087	$181
Failure to stop at a red light	$1087	$185
Failure to yield	$1087	$181
Following too closely	$1087	$185
Illegal turn	$1087	$181
Improper passing	$1087	$185
Passing school bus	$1087	$181
Texting while driving	$1087	$185
Wrong way/wrong lane	$1087	$181
Driving too slowly	$1096	$186
Speeding in school zone	$1096	$183
At-fault accident - $1000-$2000	$1100	$187
Speeding 11 - 15 MPH over limit	$1120	$187
Speeding 6 - 10 MPH over limit	$1120	$190
Operating a vehicle without permission	$1140	$190
Open container	$1155	$196
In 65 MPH zone	$1203	$201
Speeding 16 - 20 MPH over limit	$1218	$207
Speeding 21 - 25 MPH over limit	$1261	$210
At-fault accident - greater than $2000	$1359	$231
Reckless driving	$1451	$242
Racing	$1510	$257
Driving with a suspended license	$1564	$261
Refusal to submit to a chemical test	$1597	$271
DUI	$1612	$269
Leaving scene of an accident/hit and run	$1637	$278

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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 Lime Lake 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 Lime Lake.

The cheapest car insurance premiums in Lime Lake are offered by American Family at $370 for a six-month policy. However, it can be as expensive as $1651 with companies like State Farm.

Lime Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$370	$62
Kemper	$390	$66
Progressive	$472	$80
NYCM	$595	$100
New York Central Mutual Fire	$877	$146
USAA	$935	$157
Allstate	$1388	$234
Travelers	$1427	$240
Nationwide	$1446	$241
State Farm	$1651	$278

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 Lime Lake are offered by American Family at $326. However, it can be as expensive as $1675 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lime Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$326	$56
Kemper	$326	$54
Progressive	$404	$68
NYCM	$540	$90
USAA	$736	$125
Nationwide	$1014	$169
State Farm	$1096	$186
Travelers	$1602	$267
Allstate	$1675	$285

Car Insurance Price Trends in Lime Lake, New York

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

The average cost of full coverage in the Lime Lake remained steady at $203 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Lime Lake dipped to $70 in December, compared to $72 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 Lime Lake?

The car insurance in Lime Lake is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Lime Lake?

The cheapest car insurance in Lime Lake is $77 per month for full coverage.

How much is car insurance in Lime Lake for teenagers?

Car insurance for teenagers costs $307 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 Lime Lake?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $142 per month to insure your car in Lime Lake.

Is car insurance expensive in Lime Lake?

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

Cheapest Car Insurance Quotes in Lime Lake

Why you can trust Way?

How Much Is Car Insurance in Lime Lake

Avg. Car Insurance in Lime Lake

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Lime Lake

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Lime Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Lime Lake, NY

Way's key takeaways about car insurance in Lime Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lime Lake

Cheapest Liability Coverage in Lime Lake, NY

Cheapest Full Coverage Car Insurance in Lime Lake

Cheapest Full Coverage Car Insurance Quotes in Lime Lake, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lime Lake by Rating Factor

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

Car Insurance Premiums by Age in Lime Lake

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Lime Lake

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

Lime Lake Car Insurance Rates by Violation

Lime Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lime Lake after a DUI

Lime Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lime Lake after Speeding ticket

Car Insurance Price Trends in Lime Lake, New York

Average Car Insurance Cost in Lime Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lime Lake, NY

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

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