Cheapest Car Insurance Quotes in Lyons Falls

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Lyons Falls Car Insurance

^$ 35

/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 Lyons Falls

The car insurance rate in Lyons Falls is $813 for a six-month policy, which is $216 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $436, making it a popular choice for budget-conscious drivers. Rates in Lyons Falls 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 Lyons Falls

$813

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Lyons Falls

1st place: Kemper

At $436 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 $577 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $582 for six months, making it the third cheapest auto insurance company in Lyons Falls.

Lyons Falls Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lyons Falls, NY is Kemper, offering policies at just $436 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $577.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1215 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lyons Falls drivers find the best deals.

Cheap Car Insurance Companies in Lyons Falls, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$436	$74
New York Central Mutual Fire	$577	$96
Progressive	$582	$98
American Family	$675	$114
NYCM	$709	$119
Erie	$849	$141
Nationwide	$854	$145
USAA	$859	$145
State Farm	$1065	$179
Travelers	$1122	$189
Allstate	$1215	$205

Key Takeaways

Way's key takeaways about car insurance in Lyons Falls

The auto insurance costs in Lyons Falls fall around $436 for six months.
The cheapest auto insurance company in Lyons Falls is New York Central Mutual Fire.
Teen drivers pay the highest rate in Lyons Falls at $619 per month.

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Cheapest Minimum Liability Car Insurance in Lyons Falls

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 Lyons Falls are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Lyons Falls. Their Average 6 Month Premium is $206. Preferred Mutual is the most expensive at $544 for the same period.

Cheapest Liability Coverage in Lyons Falls, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$206	$35
NYCM	$216	$36
Kemper	$254	$42
Progressive	$300	$51
American Family	$305	$51
USAA	$371	$62
Nationwide	$394	$66
Erie	$498	$85
State Farm	$577	$97
Travelers	$619	$104
Allstate	$648	$109
Utica National	$450	$77
Preferred Mutual	$544	$91

Cheapest Full Coverage Car Insurance in Lyons Falls

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 Lyons Falls is Kemper at $74 per month and $436 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lyons Falls, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$436	$74
New York Central Mutual Fire	$577	$96
Progressive	$582	$98
American Family	$675	$114
NYCM	$709	$119
Erie	$849	$141
Nationwide	$854	$145
USAA	$859	$145
State Farm	$1065	$179
Travelers	$1122	$189
Allstate	$1215	$205

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Average Car Insurance in Lyons Falls 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 Lyons Falls, NY increasing?

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

Car Insurance Premiums by Age in Lyons Falls

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	$445
30s	National Grange Mutual	$317
40s	National Grange Mutual	$305
50s	National Grange Mutual	$310
60s	National Grange Mutual	$333
70s	National Grange Mutual	$457

Cheapest Car Insurance Rates for Teen Drivers in Lyons Falls,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Lyons Falls at $49 per month. At $3679 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$295	$49
American Family	$356	$60
NYCM	$596	$100
Progressive	$943	$159
New York Central Mutual Fire	$1028	$171
USAA	$1887	$318
Nationwide	$2464	$411
Travelers	$3050	$514
Allstate	$3299	$555
State Farm	$3679	$619

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 Lyons Falls.

As young drivers face the highest rates in Lyons Falls, National Grange Mutual offers the cheapest auto insurance rates at $445 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 Lyons Falls, Chubb is the cheapest car insurance provider. At $634 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 Lyons Falls is Progressive, offering rates of around $4087 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$634	$106
Kemper	$662	$112
Nationwide	$854	$142
USAA	$1183	$201
NYCM	$1234	$205
Erie	$1337	$228
American Family	$1572	$262
Allstate	$1609	$271
State Farm	$1666	$280
Mercury	$1957	$333
Travelers	$1999	$337
Progressive	$4087	$688

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Car Insurance Rates with An Accident in Lyons Falls

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lyons Falls

The cheapest car insurance companies after an at-fault accident in Lyons Falls include Kemper and American Family, offering $366 and $375, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $455.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$366	$61
American Family	$375	$63
NYCM	$455	$77
Erie	$498	$85
Chubb	$549	$92
Progressive	$600	$101
New York Central Mutual Fire	$694	$116
USAA	$746	$126
Nationwide	$1122	$187
Allstate	$1131	$190
State Farm	$1366	$230
Travelers	$1389	$234
Utica National	$450	$77
Preferred Mutual	$455	$76

Lyons Falls Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lyons Falls NY. For example, the car insurance in Lyons Falls after a DUI increases to $563 for a six month policy. While the rate increases by $89 for a six-month policy in the case of a speeding ticket.

Lyons Falls auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$990	$165
One Med/PIP claim	$990	$168
One comp claim	$999	$167
Two comp claims	$1009	$171
Two Med/PIP claims	$1009	$168
Not-at-fault accident	$1014	$172
Failure to show documents	$1028	$171
Failure to wear a seat belt	$1033	$175
Driving with expired registration	$1042	$174
At-fault accident - less than $1000	$1047	$178
Cell phone violation	$1047	$175
Child safety restraint	$1047	$178
Driving without lights	$1047	$175
Failure to stop at a red light	$1047	$178
Failure to yield	$1047	$175
Following too closely	$1047	$178
Illegal turn	$1047	$175
Improper passing	$1047	$178
Passing school bus	$1047	$175
Texting while driving	$1047	$178
Wrong way/wrong lane	$1047	$175
Driving too slowly	$1056	$179
Speeding in school zone	$1056	$176
At-fault accident - $1000-$2000	$1060	$180
Speeding 11 - 15 MPH over limit	$1079	$180
Speeding 6 - 10 MPH over limit	$1079	$183
Operating a vehicle without permission	$1098	$183
Open container	$1112	$189
In 65 MPH zone	$1159	$194
Speeding 16 - 20 MPH over limit	$1173	$200
Speeding 21 - 25 MPH over limit	$1215	$202
At-fault accident - greater than $2000	$1309	$223
Reckless driving	$1398	$233
Racing	$1454	$247
Driving with a suspended license	$1507	$251
Refusal to submit to a chemical test	$1539	$261
DUI	$1553	$259
Leaving scene of an accident/hit and run	$1577	$268

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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 Lyons Falls 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 Lyons Falls.

The cheapest car insurance premiums in Lyons Falls are offered by American Family at $356 for a six-month policy. However, it can be as expensive as $1591 with companies like State Farm.

Lyons Falls car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$356	$60
Kemper	$375	$64
Progressive	$455	$77
NYCM	$573	$96
New York Central Mutual Fire	$845	$141
USAA	$901	$152
Allstate	$1337	$225
Travelers	$1375	$231
Nationwide	$1394	$232
State Farm	$1591	$268

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 Lyons Falls are offered by American Family at $314. However, it can be as expensive as $1614 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lyons Falls after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$314	$54
Kemper	$314	$52
Progressive	$389	$66
NYCM	$521	$87
USAA	$709	$121
Nationwide	$976	$163
State Farm	$1056	$179
Travelers	$1544	$258
Allstate	$1614	$274

Car Insurance Price Trends in Lyons Falls, New York

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

The average cost of full coverage in the Lyons Falls dipped by $195 in December compared to $196 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 Lyons Falls dipped to $67 in December, compared to $70 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 Lyons Falls?

The car insurance in Lyons Falls is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Lyons Falls?

The cheapest car insurance in Lyons Falls is $74 per month for full coverage.

How much is car insurance in Lyons Falls for teenagers?

Car insurance for teenagers costs $295 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 Lyons Falls?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $137 per month to insure your car in Lyons Falls.

Is car insurance expensive in Lyons Falls?

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

Cheapest Car Insurance Quotes in Lyons Falls

Why you can trust Way?

How Much Is Car Insurance in Lyons Falls

Avg. Car Insurance in Lyons Falls

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Lyons Falls

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Lyons Falls Car Insurance Rates by Company

Cheap Car Insurance Companies in Lyons Falls, NY

Way's key takeaways about car insurance in Lyons Falls

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lyons Falls

Cheapest Liability Coverage in Lyons Falls, NY

Cheapest Full Coverage Car Insurance in Lyons Falls

Cheapest Full Coverage Car Insurance Quotes in Lyons Falls, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lyons Falls by Rating Factor

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

Car Insurance Premiums by Age in Lyons Falls

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lyons Falls,NY

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

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 Lyons Falls

Cheapest Car Insurance Companies after an At-Fault Accident in Lyons Falls

Lyons Falls Car Insurance Rates by Violation

Lyons Falls auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lyons Falls after a DUI

Lyons Falls car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lyons Falls after Speeding ticket

Car Insurance Price Trends in Lyons Falls, New York

Average Car Insurance Cost in Lyons Falls by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lyons Falls, NY

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

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