Cheapest Car Insurance Quotes in Locust Valley

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Locust Valley Car Insurance

^$ 66

/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 Locust Valley

The car insurance rate in Locust Valley is $1544 for a six-month policy, which is $515 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $828, making it a popular choice for budget-conscious drivers. Rates in Locust Valley 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 Locust Valley

$1544

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Locust Valley

1st place: Kemper

At $828 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 $1097 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1106 for six months, making it the third cheapest auto insurance company in Locust Valley.

Locust Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Locust Valley, NY is Kemper, offering policies at just $828 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1097.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2307 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Locust Valley drivers find the best deals.

Cheap Car Insurance Companies in Locust Valley, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$828	$141
New York Central Mutual Fire	$1097	$183
Progressive	$1106	$186
American Family	$1283	$216
NYCM	$1346	$227
Erie	$1613	$269
Nationwide	$1622	$276
USAA	$1631	$275
State Farm	$2022	$341
Travelers	$2130	$359
Allstate	$2307	$389

Key Takeaways

Way's key takeaways about car insurance in Locust Valley

The auto insurance costs in Locust Valley fall around $828 for six months.
The cheapest auto insurance company in Locust Valley is New York Central Mutual Fire.
Teen drivers pay the highest rate in Locust Valley at $1176 per month.

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Cheapest Minimum Liability Car Insurance in Locust Valley

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 Locust Valley are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Locust Valley. Their Average 6 Month Premium is $392. Preferred Mutual is the most expensive at $1034 for the same period.

Cheapest Liability Coverage in Locust Valley, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$392	$66
NYCM	$410	$69
Kemper	$482	$80
Progressive	$570	$96
American Family	$579	$98
USAA	$704	$119
Nationwide	$749	$125
Erie	$945	$161
State Farm	$1097	$185
Travelers	$1176	$198
Allstate	$1230	$207
Utica National	$855	$146
Preferred Mutual	$1034	$173

Cheapest Full Coverage Car Insurance in Locust Valley

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 Locust Valley is Kemper at $141 per month and $828 for six months.

Cheapest Full Coverage Car Insurance Quotes in Locust Valley, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$828	$141
New York Central Mutual Fire	$1097	$183
Progressive	$1106	$186
American Family	$1283	$216
NYCM	$1346	$227
Erie	$1613	$269
Nationwide	$1622	$276
USAA	$1631	$275
State Farm	$2022	$341
Travelers	$2130	$359
Allstate	$2307	$389

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Average Car Insurance in Locust Valley 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 Locust Valley, NY increasing?

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

Car Insurance Premiums by Age in Locust Valley

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	$845
30s	National Grange Mutual	$602
40s	National Grange Mutual	$579
50s	National Grange Mutual	$588
60s	National Grange Mutual	$633
70s	National Grange Mutual	$869

Cheapest Car Insurance Rates for Teen Drivers in Locust Valley,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Locust Valley at $93 per month. At $6986 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$561	$93
American Family	$677	$114
NYCM	$1131	$191
Progressive	$1791	$302
New York Central Mutual Fire	$1952	$326
USAA	$3582	$603
Nationwide	$4679	$780
Travelers	$5792	$975
Allstate	$6264	$1055
State Farm	$6986	$1176

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 Locust Valley.

As young drivers face the highest rates in Locust Valley, National Grange Mutual offers the cheapest auto insurance rates at $845 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 Locust Valley, Chubb is the cheapest car insurance provider. At $1203 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 Locust Valley is Progressive, offering rates of around $7761 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1203	$201
Kemper	$1257	$213
Nationwide	$1622	$270
USAA	$2246	$383
NYCM	$2343	$390
Erie	$2540	$432
American Family	$2985	$498
Allstate	$3056	$515
State Farm	$3164	$533
Mercury	$3716	$632
Travelers	$3795	$639
Progressive	$7761	$1307

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Save up to $971/yr on car insurance rates in Locust Valley.

Car Insurance Rates with An Accident in Locust Valley

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

Cheapest Car Insurance Companies after an At-Fault Accident in Locust Valley

The cheapest car insurance companies after an at-fault accident in Locust Valley include Kemper and American Family, offering $695 and $713, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $864.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$695	$116
American Family	$713	$120
NYCM	$864	$146
Erie	$945	$161
Chubb	$1043	$174
Progressive	$1140	$192
New York Central Mutual Fire	$1319	$221
USAA	$1416	$239
Nationwide	$2130	$356
Allstate	$2148	$362
State Farm	$2594	$437
Travelers	$2637	$444
Utica National	$855	$146
Preferred Mutual	$864	$144

Locust Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Locust Valley NY. For example, the car insurance in Locust Valley after a DUI increases to $1069 for a six month policy. While the rate increases by $169 for a six-month policy in the case of a speeding ticket.

Locust Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1880	$314
One Med/PIP claim	$1880	$320
One comp claim	$1898	$317
Two comp claims	$1916	$326
Two Med/PIP claims	$1916	$320
Not-at-fault accident	$1925	$327
Failure to show documents	$1952	$326
Failure to wear a seat belt	$1961	$333
Driving with expired registration	$1979	$330
At-fault accident - less than $1000	$1988	$338
Cell phone violation	$1988	$332
Child safety restraint	$1988	$338
Driving without lights	$1988	$332
Failure to stop at a red light	$1988	$338
Failure to yield	$1988	$332
Following too closely	$1988	$338
Illegal turn	$1988	$332
Improper passing	$1988	$338
Passing school bus	$1988	$332
Texting while driving	$1988	$338
Wrong way/wrong lane	$1988	$332
Driving too slowly	$2006	$341
Speeding in school zone	$2006	$335
At-fault accident - $1000-$2000	$2013	$342
Speeding 11 - 15 MPH over limit	$2049	$342
Speeding 6 - 10 MPH over limit	$2049	$348
Operating a vehicle without permission	$2085	$348
Open container	$2112	$359
In 65 MPH zone	$2201	$368
Speeding 16 - 20 MPH over limit	$2228	$380
Speeding 21 - 25 MPH over limit	$2307	$384
At-fault accident - greater than $2000	$2486	$423
Reckless driving	$2655	$443
Racing	$2762	$470
Driving with a suspended license	$2861	$477
Refusal to submit to a chemical test	$2922	$497
DUI	$2949	$492
Leaving scene of an accident/hit and run	$2994	$509

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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 Locust Valley 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 Locust Valley.

The cheapest car insurance premiums in Locust Valley are offered by American Family at $677 for a six-month policy. However, it can be as expensive as $3021 with companies like State Farm.

Locust Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$677	$114
Kemper	$713	$122
Progressive	$864	$146
NYCM	$1088	$183
New York Central Mutual Fire	$1604	$267
USAA	$1710	$288
Allstate	$2540	$428
Travelers	$2610	$440
Nationwide	$2646	$441
State Farm	$3021	$509

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 Locust Valley are offered by American Family at $597. However, it can be as expensive as $3065 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Locust Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$597	$102
Kemper	$597	$99
Progressive	$740	$125
NYCM	$989	$165
USAA	$1346	$230
Nationwide	$1854	$309
State Farm	$2006	$341
Travelers	$2931	$489
Allstate	$3065	$521

Car Insurance Price Trends in Locust Valley, New York

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

The average cost of full coverage in the Locust Valley dipped by $371 in December compared to $372 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 Locust Valley dipped to $128 in December, compared to $132 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 Locust Valley?

The car insurance in Locust Valley is $66 per month, which is lower than the national average.

What is the cheapest car insurance in Locust Valley?

The cheapest car insurance in Locust Valley is $141 per month for full coverage.

How much is car insurance in Locust Valley for teenagers?

Car insurance for teenagers costs $561 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 Locust Valley?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $260 per month to insure your car in Locust Valley.

Is car insurance expensive in Locust Valley?

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

Cheapest Car Insurance Quotes in Locust Valley

Why you can trust Way?

How Much Is Car Insurance in Locust Valley

Avg. Car Insurance in Locust Valley

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Locust Valley

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Locust Valley Car Insurance Rates by Company

Cheap Car Insurance Companies in Locust Valley, NY

Way's key takeaways about car insurance in Locust Valley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Locust Valley

Cheapest Liability Coverage in Locust Valley, NY

Cheapest Full Coverage Car Insurance in Locust Valley

Cheapest Full Coverage Car Insurance Quotes in Locust Valley, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Locust Valley by Rating Factor

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

Car Insurance Premiums by Age in Locust Valley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Locust Valley,NY

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

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 Locust Valley

Cheapest Car Insurance Companies after an At-Fault Accident in Locust Valley

Locust Valley Car Insurance Rates by Violation

Locust Valley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Locust Valley after a DUI

Locust Valley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Locust Valley after Speeding ticket

Car Insurance Price Trends in Locust Valley, New York

Average Car Insurance Cost in Locust Valley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Locust Valley, NY

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

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