Cheapest Car Insurance Quotes in Liverpool

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Liverpool Car Insurance

^$ 33

/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 Liverpool

The car insurance rate in Liverpool is $782 for a six-month policy, which is $247 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $420, making it a popular choice for budget-conscious drivers. Rates in Liverpool 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 Liverpool

$782

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Liverpool

1st place: Kemper

At $420 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 $556 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $560 for six months, making it the third cheapest auto insurance company in Liverpool.

Liverpool Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Liverpool, NY is Kemper, offering policies at just $420 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $556.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1169 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Liverpool drivers find the best deals.

Cheap Car Insurance Companies in Liverpool, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$420	$71
New York Central Mutual Fire	$556	$93
Progressive	$560	$94
American Family	$650	$109
NYCM	$682	$115
Erie	$817	$136
Nationwide	$822	$140
USAA	$826	$139
State Farm	$1024	$173
Travelers	$1079	$182
Allstate	$1169	$197

Key Takeaways

Way's key takeaways about car insurance in Liverpool

The auto insurance costs in Liverpool fall around $420 for six months.
The cheapest auto insurance company in Liverpool is New York Central Mutual Fire.
Teen drivers pay the highest rate in Liverpool at $596 per month.

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Cheapest Minimum Liability Car Insurance in Liverpool

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 Liverpool are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Liverpool. Their Average 6 Month Premium is $198. Preferred Mutual is the most expensive at $524 for the same period.

Cheapest Liability Coverage in Liverpool, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$198	$33
NYCM	$207	$35
Kemper	$244	$40
Progressive	$289	$49
American Family	$293	$49
USAA	$356	$60
Nationwide	$379	$63
Erie	$479	$81
State Farm	$556	$93
Travelers	$596	$100
Allstate	$623	$105
Utica National	$433	$74
Preferred Mutual	$524	$87

Cheapest Full Coverage Car Insurance in Liverpool

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 Liverpool is Kemper at $71 per month and $420 for six months.

Cheapest Full Coverage Car Insurance Quotes in Liverpool, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$420	$71
New York Central Mutual Fire	$556	$93
Progressive	$560	$94
American Family	$650	$109
NYCM	$682	$115
Erie	$817	$136
Nationwide	$822	$140
USAA	$826	$139
State Farm	$1024	$173
Travelers	$1079	$182
Allstate	$1169	$197

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Average Car Insurance in Liverpool 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 Liverpool, NY increasing?

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

Car Insurance Premiums by Age in Liverpool

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	$428
30s	National Grange Mutual	$305
40s	National Grange Mutual	$293
50s	National Grange Mutual	$298
60s	National Grange Mutual	$321
70s	National Grange Mutual	$440

Cheapest Car Insurance Rates for Teen Drivers in Liverpool,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Liverpool at $47 per month. At $3539 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$284	$47
American Family	$343	$58
NYCM	$573	$97
Progressive	$907	$153
New York Central Mutual Fire	$989	$165
USAA	$1815	$306
Nationwide	$2370	$395
Travelers	$2934	$494
Allstate	$3174	$534
State Farm	$3539	$596

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 Liverpool.

As young drivers face the highest rates in Liverpool, National Grange Mutual offers the cheapest auto insurance rates at $428 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 Liverpool, Chubb is the cheapest car insurance provider. At $610 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 Liverpool is Progressive, offering rates of around $3932 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$610	$102
Kemper	$637	$108
Nationwide	$822	$137
USAA	$1138	$194
NYCM	$1187	$198
Erie	$1287	$219
American Family	$1512	$252
Allstate	$1548	$261
State Farm	$1603	$270
Mercury	$1883	$320
Travelers	$1923	$324
Progressive	$3932	$662

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Car Insurance Rates with An Accident in Liverpool

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

Cheapest Car Insurance Companies after an At-Fault Accident in Liverpool

The cheapest car insurance companies after an at-fault accident in Liverpool include Kemper and American Family, offering $352 and $361, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $438.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$352	$59
American Family	$361	$61
NYCM	$438	$74
Erie	$479	$81
Chubb	$528	$88
Progressive	$578	$97
New York Central Mutual Fire	$668	$112
USAA	$717	$121
Nationwide	$1079	$180
Allstate	$1088	$183
State Farm	$1314	$221
Travelers	$1336	$225
Utica National	$433	$74
Preferred Mutual	$438	$73

Liverpool Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Liverpool NY. For example, the car insurance in Liverpool after a DUI increases to $542 for a six month policy. While the rate increases by $86 for a six-month policy in the case of a speeding ticket.

Liverpool auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$952	$159
One Med/PIP claim	$952	$162
One comp claim	$961	$160
Two comp claims	$971	$165
Two Med/PIP claims	$971	$162
Not-at-fault accident	$975	$166
Failure to show documents	$989	$165
Failure to wear a seat belt	$993	$169
Driving with expired registration	$1002	$167
At-fault accident - less than $1000	$1007	$171
Cell phone violation	$1007	$168
Child safety restraint	$1007	$171
Driving without lights	$1007	$168
Failure to stop at a red light	$1007	$171
Failure to yield	$1007	$168
Following too closely	$1007	$171
Illegal turn	$1007	$168
Improper passing	$1007	$171
Passing school bus	$1007	$168
Texting while driving	$1007	$171
Wrong way/wrong lane	$1007	$168
Driving too slowly	$1016	$173
Speeding in school zone	$1016	$169
At-fault accident - $1000-$2000	$1020	$173
Speeding 11 - 15 MPH over limit	$1038	$173
Speeding 6 - 10 MPH over limit	$1038	$176
Operating a vehicle without permission	$1056	$176
Open container	$1070	$182
In 65 MPH zone	$1115	$186
Speeding 16 - 20 MPH over limit	$1129	$192
Speeding 21 - 25 MPH over limit	$1169	$195
At-fault accident - greater than $2000	$1259	$214
Reckless driving	$1345	$224
Racing	$1399	$238
Driving with a suspended license	$1449	$242
Refusal to submit to a chemical test	$1480	$252
DUI	$1494	$249
Leaving scene of an accident/hit and run	$1517	$258

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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 Liverpool 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 Liverpool.

The cheapest car insurance premiums in Liverpool are offered by American Family at $343 for a six-month policy. However, it can be as expensive as $1531 with companies like State Farm.

Liverpool car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$343	$58
Kemper	$361	$62
Progressive	$438	$74
NYCM	$551	$93
New York Central Mutual Fire	$812	$135
USAA	$866	$146
Allstate	$1287	$217
Travelers	$1322	$223
Nationwide	$1341	$223
State Farm	$1531	$258

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 Liverpool are offered by American Family at $302. However, it can be as expensive as $1553 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Liverpool after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$302	$52
Kemper	$302	$50
Progressive	$375	$63
NYCM	$501	$84
USAA	$682	$116
Nationwide	$939	$157
State Farm	$1016	$173
Travelers	$1485	$248
Allstate	$1553	$264

Car Insurance Price Trends in Liverpool, New York

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

The average cost of full coverage in the Liverpool remained steady at $188 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Liverpool dipped to $65 in December, compared to $67 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 Liverpool?

The car insurance in Liverpool is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Liverpool?

The cheapest car insurance in Liverpool is $71 per month for full coverage.

How much is car insurance in Liverpool for teenagers?

Car insurance for teenagers costs $284 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 Liverpool?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $131 per month to insure your car in Liverpool.

Is car insurance expensive in Liverpool?

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

Cheapest Car Insurance Quotes in Liverpool

Why you can trust Way?

How Much Is Car Insurance in Liverpool

Avg. Car Insurance in Liverpool

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Liverpool

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Liverpool Car Insurance Rates by Company

Cheap Car Insurance Companies in Liverpool, NY

Way's key takeaways about car insurance in Liverpool

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Liverpool

Cheapest Liability Coverage in Liverpool, NY

Cheapest Full Coverage Car Insurance in Liverpool

Cheapest Full Coverage Car Insurance Quotes in Liverpool, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Liverpool by Rating Factor

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

Car Insurance Premiums by Age in Liverpool

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Liverpool,NY

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

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 Liverpool

Cheapest Car Insurance Companies after an At-Fault Accident in Liverpool

Liverpool Car Insurance Rates by Violation

Liverpool auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Liverpool after a DUI

Liverpool car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Liverpool after Speeding ticket

Car Insurance Price Trends in Liverpool, New York

Average Car Insurance Cost in Liverpool by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Liverpool, NY

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

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Data Sources