Cheapest Car Insurance Quotes in Mahopac

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Mahopac Car Insurance

^$ 52

/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 Mahopac

The car insurance rate in Mahopac is $1366 for a six-month policy, which is $208 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $651, making it a popular choice for budget-conscious drivers. Rates in Mahopac 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 Mahopac

$1366

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Mahopac

1st place: Kemper

At $651 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 $863 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $918 for six months, making it the third cheapest auto insurance company in Mahopac.

Mahopac Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mahopac, NY is Kemper, offering policies at just $651 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $863.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $2096 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mahopac drivers find the best deals.

Cheap Car Insurance Companies in Mahopac, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$651	$111
New York Central Mutual Fire	$863	$144
Progressive	$918	$155
American Family	$1009	$170
NYCM	$1220	$205
USAA	$1352	$228
Erie	$1381	$232
Nationwide	$1507	$251
Travelers	$1535	$258
State Farm	$1829	$308
Allstate	$2046	$345
Chubb	$2096	$349

Key Takeaways

Way's key takeaways about car insurance in Mahopac

The auto insurance costs in Mahopac fall around $651 for six months.
The cheapest auto insurance company in Mahopac is New York Central Mutual Fire.
Teen drivers pay the highest rate in Mahopac at $1054 per month.

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Cheapest Minimum Liability Car Insurance in Mahopac

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 Mahopac are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Mahopac. Their Average 6 Month Premium is $308. Preferred Mutual is the most expensive at $813 for the same period.

Cheapest Liability Coverage in Mahopac, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$308	$52
NYCM	$365	$60
Kemper	$379	$65
American Family	$455	$77
Progressive	$470	$79
USAA	$603	$101
Erie	$743	$126
Travelers	$799	$133
Allstate	$856	$145
State Farm	$911	$152
Nationwide	$589	$98
Utica National	$673	$114
Preferred Mutual	$813	$136

Cheapest Full Coverage Car Insurance in Mahopac

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 Mahopac is Kemper at $111 per month and $651 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mahopac, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$651	$111
New York Central Mutual Fire	$863	$144
Progressive	$918	$155
American Family	$1009	$170
NYCM	$1220	$205
USAA	$1352	$228
Erie	$1381	$232
Nationwide	$1507	$251
Travelers	$1535	$258
State Farm	$1829	$308
Allstate	$2046	$345
Chubb	$2096	$349

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Average Car Insurance in Mahopac 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 Mahopac, NY increasing?

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

Car Insurance Premiums by Age in Mahopac

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

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Cheapest Car Insurance Rates for Teen Drivers in Mahopac,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Mahopac at $76 per month. At $6259 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$441	$76
American Family	$532	$90
NYCM	$1178	$198
Progressive	$1451	$244
New York Central Mutual Fire	$1535	$261
Erie	$2951	$492
USAA	$3245	$546
Travelers	$4268	$719
Nationwide	$4444	$755
Chubb	$4654	$775
Allstate	$5355	$902
State Farm	$6259	$1054

Teen Car Insurance Rates in NY by Age

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 Mahopac, Kemper is the cheapest car insurance provider. At $989 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 Mahopac is Progressive, offering rates of around $5922 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$989	$165
Nationwide	$1507	$256
Chubb	$1788	$301
USAA	$2172	$369
Erie	$2313	$389
American Family	$2348	$399
NYCM	$2629	$438
Allstate	$2866	$483
Mercury	$2923	$487
State Farm	$3021	$509
Travelers	$3498	$589
Progressive	$5922	$997

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Car Insurance Rates with An Accident in Mahopac

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

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

The cheapest car insurance companies after an at-fault accident in Mahopac include Kemper and American Family, offering $546 and $561, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $680.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$546	$91
American Family	$561	$94
Progressive	$863	$145
NYCM	$877	$148
New York Central Mutual Fire	$1037	$173
USAA	$1178	$198
Erie	$1507	$254
Chubb	$1710	$288
Allstate	$1843	$310
Travelers	$1900	$320
Nationwide	$1991	$332
State Farm	$2327	$392
Utica National	$673	$114
Preferred Mutual	$680	$113

Mahopac Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mahopac NY. For example, the car insurance in Mahopac after a DUI increases to $841 for a six month policy. While the rate increases by $133 for a six-month policy in the case of a speeding ticket.

Mahopac auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1479	$247
One Med/PIP claim	$1479	$251
One comp claim	$1493	$249
Two comp claims	$1507	$256
Two Med/PIP claims	$1507	$251
Not-at-fault accident	$1514	$257
Failure to show documents	$1535	$256
Failure to wear a seat belt	$1542	$262
Driving with expired registration	$1556	$260
At-fault accident - less than $1000	$1564	$266
Cell phone violation	$1564	$261
Child safety restraint	$1564	$266
Driving without lights	$1564	$261
Failure to stop at a red light	$1564	$266
Failure to yield	$1564	$261
Following too closely	$1564	$266
Illegal turn	$1564	$261
Improper passing	$1564	$266
Passing school bus	$1564	$261
Texting while driving	$1564	$266
Wrong way/wrong lane	$1564	$261
Driving too slowly	$1578	$268
Speeding in school zone	$1578	$263
At-fault accident - $1000-$2000	$1584	$269
Speeding 11 - 15 MPH over limit	$1612	$269
Speeding 6 - 10 MPH over limit	$1612	$274
Operating a vehicle without permission	$1640	$274
Open container	$1661	$282
In 65 MPH zone	$1731	$289
Speeding 16 - 20 MPH over limit	$1752	$299
Speeding 21 - 25 MPH over limit	$1815	$302
At-fault accident - greater than $2000	$1955	$333
Reckless driving	$2089	$348
Racing	$2172	$369
Driving with a suspended license	$2250	$375
Refusal to submit to a chemical test	$2299	$391
DUI	$2320	$387
Leaving scene of an accident/hit and run	$2355	$400

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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 Mahopac 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 Mahopac.

The cheapest car insurance premiums in Mahopac are offered by American Family at $532 for a six-month policy. However, it can be as expensive as $2629 with companies like Chubb.

Mahopac car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$532	$90
Kemper	$561	$96
Progressive	$722	$122
NYCM	$1094	$184
New York Central Mutual Fire	$1261	$210
USAA	$1437	$242
Travelers	$1879	$316
Allstate	$2222	$374
Erie	$2292	$382
Nationwide	$2489	$424
State Farm	$2615	$440
Chubb	$2629	$447

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 Mahopac are offered by American Family at $470. However, it can be as expensive as $2992 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Mahopac after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$470	$78
Kemper	$470	$80
Progressive	$680	$114
NYCM	$1101	$188
USAA	$1276	$212
Erie	$1493	$254
Nationwide	$1507	$251
Travelers	$1738	$295
State Farm	$2103	$350
Chubb	$2489	$424
Allstate	$2992	$499

Car Insurance Price Trends in Mahopac, New York

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

The average cost of full coverage in the Mahopac rose by $325 in January compared to $291 of December. In other words, there has been an increase by $34 when you compare January and December.

The average cost of liability insurance in the Mahopac dipped to $94 in January, compared to $100 in December. This represents an decrease of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Mahopac?

The car insurance in Mahopac is $52 per month, which is lower than the national average.

What is the cheapest car insurance in Mahopac?

The cheapest car insurance in Mahopac is $111 per month for full coverage.

How much is car insurance in Mahopac for teenagers?

Car insurance for teenagers costs $441 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 Mahopac?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $229 per month to insure your car in Mahopac.

Is car insurance expensive in Mahopac?

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

Cheapest Car Insurance Quotes in Mahopac

Why you can trust Way?

How Much Is Car Insurance in Mahopac

Avg. Car Insurance in Mahopac

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Mahopac

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Mahopac Car Insurance Rates by Company

Cheap Car Insurance Companies in Mahopac, NY

Way's key takeaways about car insurance in Mahopac

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mahopac

Cheapest Liability Coverage in Mahopac, NY

Cheapest Full Coverage Car Insurance in Mahopac

Cheapest Full Coverage Car Insurance Quotes in Mahopac, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mahopac by Rating Factor

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

Car Insurance Premiums by Age in Mahopac

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mahopac,NY

If you are in your twenties N/A is the best choice for car insurance in Mahopac.

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 Mahopac

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

Mahopac Car Insurance Rates by Violation

Mahopac auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mahopac after a DUI

Mahopac car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mahopac after Speeding ticket

Car Insurance Price Trends in Mahopac, New York

Average Car Insurance Cost in Mahopac by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mahopac, NY

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

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