Cheapest Car Insurance Quotes in Livingston Manor

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Livingston Manor 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 Livingston Manor

The car insurance rate in Livingston Manor 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 Livingston Manor 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 Livingston Manor

$1152

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Livingston Manor

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 Livingston Manor.

Livingston Manor Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Livingston Manor, 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 Livingston Manor drivers find the best deals.

Cheap Car Insurance Companies in Livingston Manor, 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 Livingston Manor

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

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Cheapest Minimum Liability Car Insurance in Livingston Manor

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 Livingston Manor are given below.

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

Cheapest Liability Coverage in Livingston Manor, 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 Livingston Manor

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

Cheapest Full Coverage Car Insurance Quotes in Livingston Manor, 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

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Average Car Insurance in Livingston Manor 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 Livingston Manor, NY increasing?

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

Car Insurance Premiums by Age in Livingston Manor

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 Livingston Manor,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Livingston Manor 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 Livingston Manor.

As young drivers face the highest rates in Livingston Manor, 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 Livingston Manor, 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 Livingston Manor 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

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Save up to $971/yr on car insurance rates in Livingston Manor.

Car Insurance Rates with An Accident in Livingston Manor

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

Cheapest Car Insurance Companies after an At-Fault Accident in Livingston Manor

The cheapest car insurance companies after an at-fault accident in Livingston Manor 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

Livingston Manor Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Livingston Manor NY. For example, the car insurance in Livingston Manor 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.

Livingston Manor 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

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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 Livingston Manor 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 Livingston Manor.

The cheapest car insurance premiums in Livingston Manor 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.

Livingston Manor 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 Livingston Manor 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 Livingston Manor 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 Livingston Manor, New York

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

The average cost of full coverage in the Livingston Manor 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 Livingston Manor dipped to $95 in December, compared to $99 in November. This represents an decrease of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Livingston Manor?

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

What is the cheapest car insurance in Livingston Manor?

The cheapest car insurance in Livingston Manor is $105 per month for full coverage.

How much is car insurance in Livingston Manor 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 Livingston Manor?

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 Livingston Manor.

Is car insurance expensive in Livingston Manor?

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

Cheapest Car Insurance Quotes in Livingston Manor

Why you can trust Way?

How Much Is Car Insurance in Livingston Manor

Avg. Car Insurance in Livingston Manor

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Livingston Manor

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Livingston Manor Car Insurance Rates by Company

Cheap Car Insurance Companies in Livingston Manor, NY

Way's key takeaways about car insurance in Livingston Manor

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Livingston Manor

Cheapest Liability Coverage in Livingston Manor, NY

Cheapest Full Coverage Car Insurance in Livingston Manor

Cheapest Full Coverage Car Insurance Quotes in Livingston Manor, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Livingston Manor by Rating Factor

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

Car Insurance Premiums by Age in Livingston Manor

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Livingston Manor,NY

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

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 Livingston Manor

Cheapest Car Insurance Companies after an At-Fault Accident in Livingston Manor

Livingston Manor Car Insurance Rates by Violation

Livingston Manor auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Livingston Manor after a DUI

Livingston Manor car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Livingston Manor after Speeding ticket

Car Insurance Price Trends in Livingston Manor, New York

Average Car Insurance Cost in Livingston Manor by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Livingston Manor, NY

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

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