Cheapest Car Insurance Quotes in Lyndonville

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Lyndonville Car Insurance

^$ 37

/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 Lyndonville

The car insurance rate in Lyndonville is $864 for a six-month policy, which is $165 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $464, making it a popular choice for budget-conscious drivers. Rates in Lyndonville 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 Lyndonville

$864

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Lyndonville

1st place: Kemper

At $464 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 $614 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $619 for six months, making it the third cheapest auto insurance company in Lyndonville.

Lyndonville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lyndonville, NY is Kemper, offering policies at just $464 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $614.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1292 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lyndonville drivers find the best deals.

Cheap Car Insurance Companies in Lyndonville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$464	$79
New York Central Mutual Fire	$614	$102
Progressive	$619	$104
American Family	$718	$121
NYCM	$753	$127
Erie	$903	$150
Nationwide	$908	$155
USAA	$913	$154
State Farm	$1132	$191
Travelers	$1193	$201
Allstate	$1292	$218

Key Takeaways

Way's key takeaways about car insurance in Lyndonville

The auto insurance costs in Lyndonville fall around $464 for six months.
The cheapest auto insurance company in Lyndonville is New York Central Mutual Fire.
Teen drivers pay the highest rate in Lyndonville at $659 per month.

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Cheapest Minimum Liability Car Insurance in Lyndonville

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 Lyndonville are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Lyndonville. Their Average 6 Month Premium is $219. Preferred Mutual is the most expensive at $579 for the same period.

Cheapest Liability Coverage in Lyndonville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$219	$37
NYCM	$229	$39
Kemper	$270	$45
Progressive	$319	$54
American Family	$324	$55
USAA	$394	$66
Nationwide	$419	$70
Erie	$529	$90
State Farm	$614	$103
Travelers	$659	$111
Allstate	$689	$116
Utica National	$479	$81
Preferred Mutual	$579	$97

Cheapest Full Coverage Car Insurance in Lyndonville

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 Lyndonville is Kemper at $79 per month and $464 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lyndonville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$464	$79
New York Central Mutual Fire	$614	$102
Progressive	$619	$104
American Family	$718	$121
NYCM	$753	$127
Erie	$903	$150
Nationwide	$908	$155
USAA	$913	$154
State Farm	$1132	$191
Travelers	$1193	$201
Allstate	$1292	$218

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Average Car Insurance in Lyndonville 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 Lyndonville, NY increasing?

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

Car Insurance Premiums by Age in Lyndonville

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	$473
30s	National Grange Mutual	$337
40s	National Grange Mutual	$324
50s	National Grange Mutual	$329
60s	National Grange Mutual	$354
70s	National Grange Mutual	$486

Cheapest Car Insurance Rates for Teen Drivers in Lyndonville,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Lyndonville at $52 per month. At $3912 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$314	$52
American Family	$379	$64
NYCM	$633	$107
Progressive	$1003	$169
New York Central Mutual Fire	$1093	$182
USAA	$2006	$338
Nationwide	$2620	$437
Travelers	$3243	$546
Allstate	$3508	$591
State Farm	$3912	$659

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 Lyndonville.

As young drivers face the highest rates in Lyndonville, National Grange Mutual offers the cheapest auto insurance rates at $473 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 Lyndonville, Chubb is the cheapest car insurance provider. At $674 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 Lyndonville is Progressive, offering rates of around $4346 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$674	$113
Kemper	$704	$119
Nationwide	$908	$151
USAA	$1257	$214
NYCM	$1312	$218
Erie	$1422	$242
American Family	$1672	$279
Allstate	$1711	$288
State Farm	$1772	$298
Mercury	$2081	$354
Travelers	$2125	$358
Progressive	$4346	$732

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

Car Insurance Rates with An Accident in Lyndonville

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

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

The cheapest car insurance companies after an at-fault accident in Lyndonville include Kemper and American Family, offering $389 and $399, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $484.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$389	$65
American Family	$399	$67
NYCM	$484	$81
Erie	$529	$90
Chubb	$584	$97
Progressive	$638	$108
New York Central Mutual Fire	$738	$123
USAA	$793	$134
Nationwide	$1193	$199
Allstate	$1203	$202
State Farm	$1452	$244
Travelers	$1477	$249
Utica National	$479	$81
Preferred Mutual	$484	$81

Lyndonville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lyndonville NY. For example, the car insurance in Lyndonville after a DUI increases to $598 for a six month policy. While the rate increases by $94 for a six-month policy in the case of a speeding ticket.

Lyndonville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1053	$176
One Med/PIP claim	$1053	$179
One comp claim	$1063	$177
Two comp claims	$1073	$182
Two Med/PIP claims	$1073	$179
Not-at-fault accident	$1078	$183
Failure to show documents	$1093	$182
Failure to wear a seat belt	$1098	$186
Driving with expired registration	$1108	$185
At-fault accident - less than $1000	$1113	$189
Cell phone violation	$1113	$186
Child safety restraint	$1113	$189
Driving without lights	$1113	$186
Failure to stop at a red light	$1113	$189
Failure to yield	$1113	$186
Following too closely	$1113	$189
Illegal turn	$1113	$186
Improper passing	$1113	$189
Passing school bus	$1113	$186
Texting while driving	$1113	$189
Wrong way/wrong lane	$1113	$186
Driving too slowly	$1123	$191
Speeding in school zone	$1123	$187
At-fault accident - $1000-$2000	$1127	$192
Speeding 11 - 15 MPH over limit	$1147	$192
Speeding 6 - 10 MPH over limit	$1147	$195
Operating a vehicle without permission	$1168	$195
Open container	$1183	$201
In 65 MPH zone	$1232	$206
Speeding 16 - 20 MPH over limit	$1247	$213
Speeding 21 - 25 MPH over limit	$1292	$215
At-fault accident - greater than $2000	$1392	$237
Reckless driving	$1487	$248
Racing	$1546	$263
Driving with a suspended license	$1602	$267
Refusal to submit to a chemical test	$1636	$278
DUI	$1651	$276
Leaving scene of an accident/hit and run	$1677	$285

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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 Lyndonville 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 Lyndonville.

The cheapest car insurance premiums in Lyndonville are offered by American Family at $379 for a six-month policy. However, it can be as expensive as $1692 with companies like State Farm.

Lyndonville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$379	$64
Kemper	$399	$68
Progressive	$484	$81
NYCM	$609	$102
New York Central Mutual Fire	$898	$150
USAA	$958	$161
Allstate	$1422	$239
Travelers	$1462	$246
Nationwide	$1482	$247
State Farm	$1692	$285

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 Lyndonville are offered by American Family at $334. However, it can be as expensive as $1716 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lyndonville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$334	$57
Kemper	$334	$55
Progressive	$414	$70
NYCM	$554	$92
USAA	$753	$129
Nationwide	$1038	$173
State Farm	$1123	$191
Travelers	$1641	$274
Allstate	$1716	$291

Car Insurance Price Trends in Lyndonville, New York

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

The average cost of full coverage in the Lyndonville dipped by $207 in December compared to $208 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 Lyndonville dipped to $71 in December, compared to $74 in November. This represents an decrease of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Lyndonville?

The car insurance in Lyndonville is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Lyndonville?

The cheapest car insurance in Lyndonville is $79 per month for full coverage.

How much is car insurance in Lyndonville for teenagers?

Car insurance for teenagers costs $314 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 Lyndonville?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $145 per month to insure your car in Lyndonville.

Is car insurance expensive in Lyndonville?

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

Cheapest Car Insurance Quotes in Lyndonville

Why you can trust Way?

How Much Is Car Insurance in Lyndonville

Avg. Car Insurance in Lyndonville

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Lyndonville

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Lyndonville Car Insurance Rates by Company

Cheap Car Insurance Companies in Lyndonville, NY

Way's key takeaways about car insurance in Lyndonville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lyndonville

Cheapest Liability Coverage in Lyndonville, NY

Cheapest Full Coverage Car Insurance in Lyndonville

Cheapest Full Coverage Car Insurance Quotes in Lyndonville, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lyndonville by Rating Factor

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

Car Insurance Premiums by Age in Lyndonville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lyndonville,NY

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

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 Lyndonville

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

Lyndonville Car Insurance Rates by Violation

Lyndonville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lyndonville after a DUI

Lyndonville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lyndonville after Speeding ticket

Car Insurance Price Trends in Lyndonville, New York

Average Car Insurance Cost in Lyndonville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lyndonville, NY

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

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