Cheapest Car Insurance Quotes in Malverne

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Malverne Car Insurance

^$ 75

/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 Malverne

The car insurance rate in Malverne is $1760 for a six-month policy, which is $731 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $944, making it a popular choice for budget-conscious drivers. Rates in Malverne 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 Malverne

$1760

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Malverne

1st place: Kemper

At $944 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 $1250 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1260 for six months, making it the third cheapest auto insurance company in Malverne.

Malverne Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Malverne, NY is Kemper, offering policies at just $944 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1250.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2630 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Malverne drivers find the best deals.

Cheap Car Insurance Companies in Malverne, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$944	$161
New York Central Mutual Fire	$1250	$209
Progressive	$1260	$212
American Family	$1462	$246
NYCM	$1534	$258
Erie	$1838	$306
Nationwide	$1849	$315
USAA	$1859	$313
State Farm	$2305	$388
Travelers	$2428	$409
Allstate	$2630	$443

Key Takeaways

Way's key takeaways about car insurance in Malverne

The auto insurance costs in Malverne fall around $944 for six months.
The cheapest auto insurance company in Malverne is New York Central Mutual Fire.
Teen drivers pay the highest rate in Malverne at $1341 per month.

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Cheapest Minimum Liability Car Insurance in Malverne

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 Malverne are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Malverne. Their Average 6 Month Premium is $446. Preferred Mutual is the most expensive at $1178 for the same period.

Cheapest Liability Coverage in Malverne, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$446	$75
NYCM	$467	$79
Kemper	$549	$91
Progressive	$650	$109
American Family	$660	$111
USAA	$802	$135
Nationwide	$853	$142
Erie	$1077	$183
State Farm	$1250	$210
Travelers	$1341	$226
Allstate	$1402	$236
Utica National	$975	$166
Preferred Mutual	$1178	$197

Cheapest Full Coverage Car Insurance in Malverne

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 Malverne is Kemper at $161 per month and $944 for six months.

Cheapest Full Coverage Car Insurance Quotes in Malverne, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$944	$161
New York Central Mutual Fire	$1250	$209
Progressive	$1260	$212
American Family	$1462	$246
NYCM	$1534	$258
Erie	$1838	$306
Nationwide	$1849	$315
USAA	$1859	$313
State Farm	$2305	$388
Travelers	$2428	$409
Allstate	$2630	$443

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Average Car Insurance in Malverne 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 Malverne, NY increasing?

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

Car Insurance Premiums by Age in Malverne

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	$963
30s	National Grange Mutual	$686
40s	National Grange Mutual	$660
50s	National Grange Mutual	$670
60s	National Grange Mutual	$722
70s	National Grange Mutual	$990

Cheapest Car Insurance Rates for Teen Drivers in Malverne,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Malverne at $106 per month. At $7963 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$640	$106
American Family	$771	$130
NYCM	$1289	$217
Progressive	$2042	$344
New York Central Mutual Fire	$2225	$371
USAA	$4083	$687
Nationwide	$5333	$889
Travelers	$6602	$1112
Allstate	$7141	$1202
State Farm	$7963	$1341

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 Malverne.

As young drivers face the highest rates in Malverne, National Grange Mutual offers the cheapest auto insurance rates at $963 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 Malverne, Chubb is the cheapest car insurance provider. At $1371 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 Malverne is Progressive, offering rates of around $8848 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1371	$229
Kemper	$1433	$243
Nationwide	$1849	$308
USAA	$2560	$436
NYCM	$2671	$445
Erie	$2895	$492
American Family	$3403	$568
Allstate	$3483	$587
State Farm	$3606	$607
Mercury	$4236	$720
Travelers	$4326	$728
Progressive	$8848	$1489

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Car Insurance Rates with An Accident in Malverne

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

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

The cheapest car insurance companies after an at-fault accident in Malverne include Kemper and American Family, offering $792 and $812, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $985.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$792	$132
American Family	$812	$137
NYCM	$985	$166
Erie	$1077	$183
Chubb	$1188	$198
Progressive	$1300	$219
New York Central Mutual Fire	$1503	$251
USAA	$1614	$272
Nationwide	$2428	$405
Allstate	$2449	$412
State Farm	$2957	$498
Travelers	$3006	$506
Utica National	$975	$166
Preferred Mutual	$985	$164

Malverne Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Malverne NY. For example, the car insurance in Malverne after a DUI increases to $1219 for a six month policy. While the rate increases by $193 for a six-month policy in the case of a speeding ticket.

Malverne auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2143	$357
One Med/PIP claim	$2143	$364
One comp claim	$2163	$361
Two comp claims	$2184	$371
Two Med/PIP claims	$2184	$364
Not-at-fault accident	$2194	$373
Failure to show documents	$2225	$371
Failure to wear a seat belt	$2235	$380
Driving with expired registration	$2255	$376
At-fault accident - less than $1000	$2266	$385
Cell phone violation	$2266	$378
Child safety restraint	$2266	$385
Driving without lights	$2266	$378
Failure to stop at a red light	$2266	$385
Failure to yield	$2266	$378
Following too closely	$2266	$385
Illegal turn	$2266	$378
Improper passing	$2266	$385
Passing school bus	$2266	$378
Texting while driving	$2266	$385
Wrong way/wrong lane	$2266	$378
Driving too slowly	$2286	$388
Speeding in school zone	$2286	$381
At-fault accident - $1000-$2000	$2295	$390
Speeding 11 - 15 MPH over limit	$2336	$390
Speeding 6 - 10 MPH over limit	$2336	$397
Operating a vehicle without permission	$2377	$397
Open container	$2408	$409
In 65 MPH zone	$2509	$419
Speeding 16 - 20 MPH over limit	$2539	$433
Speeding 21 - 25 MPH over limit	$2630	$438
At-fault accident - greater than $2000	$2833	$482
Reckless driving	$3027	$504
Racing	$3148	$535
Driving with a suspended license	$3261	$544
Refusal to submit to a chemical test	$3331	$566
DUI	$3362	$561
Leaving scene of an accident/hit and run	$3413	$580

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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 Malverne 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 Malverne.

The cheapest car insurance premiums in Malverne are offered by American Family at $771 for a six-month policy. However, it can be as expensive as $3444 with companies like State Farm.

Malverne car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$771	$130
Kemper	$812	$139
Progressive	$985	$166
NYCM	$1240	$209
New York Central Mutual Fire	$1828	$304
USAA	$1949	$328
Allstate	$2895	$487
Travelers	$2975	$501
Nationwide	$3016	$503
State Farm	$3444	$580

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 Malverne are offered by American Family at $681. However, it can be as expensive as $3494 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Malverne after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$681	$116
Kemper	$681	$113
Progressive	$843	$142
NYCM	$1127	$188
USAA	$1534	$262
Nationwide	$2114	$352
State Farm	$2286	$388
Travelers	$3341	$557
Allstate	$3494	$593

Car Insurance Price Trends in Malverne, New York

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

The average cost of full coverage in the Malverne dipped by $422 in December compared to $424 of November. In other words, there has been an decrease by $2 when you compare December and November.

The average cost of liability insurance in the Malverne dipped to $145 in December, compared to $150 in November. This represents an decrease of $5 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Malverne?

The car insurance in Malverne is $75 per month, which is lower than the national average.

What is the cheapest car insurance in Malverne?

The cheapest car insurance in Malverne is $161 per month for full coverage.

How much is car insurance in Malverne for teenagers?

Car insurance for teenagers costs $640 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 Malverne?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $296 per month to insure your car in Malverne.

Is car insurance expensive in Malverne?

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

Cheapest Car Insurance Quotes in Malverne

Why you can trust Way?

How Much Is Car Insurance in Malverne

Avg. Car Insurance in Malverne

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Malverne

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Malverne Car Insurance Rates by Company

Cheap Car Insurance Companies in Malverne, NY

Way's key takeaways about car insurance in Malverne

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Malverne

Cheapest Liability Coverage in Malverne, NY

Cheapest Full Coverage Car Insurance in Malverne

Cheapest Full Coverage Car Insurance Quotes in Malverne, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Malverne by Rating Factor

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

Car Insurance Premiums by Age in Malverne

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Malverne,NY

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

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 Malverne

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

Malverne Car Insurance Rates by Violation

Malverne auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Malverne after a DUI

Malverne car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Malverne after Speeding ticket

Car Insurance Price Trends in Malverne, New York

Average Car Insurance Cost in Malverne by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Malverne, NY

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

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