Cheapest Car Insurance Quotes in Margaretville

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Margaretville Car Insurance

^$ 40

/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 Margaretville

The car insurance rate in Margaretville is $936 for a six-month policy, which is $93 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $502, making it a popular choice for budget-conscious drivers. Rates in Margaretville 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 Margaretville

$936

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Margaretville

1st place: Kemper

At $502 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 $665 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $671 for six months, making it the third cheapest auto insurance company in Margaretville.

Margaretville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Margaretville, NY is Kemper, offering policies at just $502 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $665.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1400 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Margaretville drivers find the best deals.

Cheap Car Insurance Companies in Margaretville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$502	$86
New York Central Mutual Fire	$665	$111
Progressive	$671	$113
American Family	$778	$131
NYCM	$816	$137
Erie	$978	$163
Nationwide	$984	$167
USAA	$989	$167
State Farm	$1227	$207
Travelers	$1292	$217
Allstate	$1400	$236

Key Takeaways

Way's key takeaways about car insurance in Margaretville

The auto insurance costs in Margaretville fall around $502 for six months.
The cheapest auto insurance company in Margaretville is New York Central Mutual Fire.
Teen drivers pay the highest rate in Margaretville at $713 per month.

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Cheapest Minimum Liability Car Insurance in Margaretville

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 Margaretville are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Margaretville. Their Average 6 Month Premium is $238. Preferred Mutual is the most expensive at $627 for the same period.

Cheapest Liability Coverage in Margaretville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$238	$40
NYCM	$248	$42
Kemper	$292	$48
Progressive	$346	$58
American Family	$351	$59
USAA	$427	$72
Nationwide	$454	$76
Erie	$573	$97
State Farm	$665	$112
Travelers	$713	$120
Allstate	$746	$126
Utica National	$519	$88
Preferred Mutual	$627	$105

Cheapest Full Coverage Car Insurance in Margaretville

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 Margaretville is Kemper at $86 per month and $502 for six months.

Cheapest Full Coverage Car Insurance Quotes in Margaretville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$502	$86
New York Central Mutual Fire	$665	$111
Progressive	$671	$113
American Family	$778	$131
NYCM	$816	$137
Erie	$978	$163
Nationwide	$984	$167
USAA	$989	$167
State Farm	$1227	$207
Travelers	$1292	$217
Allstate	$1400	$236

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Average Car Insurance in Margaretville 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 Margaretville, NY increasing?

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

Car Insurance Premiums by Age in Margaretville

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	$512
30s	National Grange Mutual	$365
40s	National Grange Mutual	$351
50s	National Grange Mutual	$357
60s	National Grange Mutual	$384
70s	National Grange Mutual	$527

Cheapest Car Insurance Rates for Teen Drivers in Margaretville,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Margaretville at $56 per month. At $4238 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$340	$56
American Family	$410	$69
NYCM	$686	$116
Progressive	$1087	$183
New York Central Mutual Fire	$1184	$197
USAA	$2173	$366
Nationwide	$2838	$473
Travelers	$3514	$592
Allstate	$3800	$640
State Farm	$4238	$713

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 Margaretville.

As young drivers face the highest rates in Margaretville, National Grange Mutual offers the cheapest auto insurance rates at $512 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 Margaretville, Chubb is the cheapest car insurance provider. At $730 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 Margaretville is Progressive, offering rates of around $4708 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$730	$122
Kemper	$763	$129
Nationwide	$984	$164
USAA	$1362	$232
NYCM	$1421	$237
Erie	$1541	$262
American Family	$1811	$302
Allstate	$1854	$312
State Farm	$1919	$323
Mercury	$2254	$383
Travelers	$2302	$388
Progressive	$4708	$793

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Car Insurance Rates with An Accident in Margaretville

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

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

The cheapest car insurance companies after an at-fault accident in Margaretville include Kemper and American Family, offering $421 and $432, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $524.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$421	$70
American Family	$432	$73
NYCM	$524	$88
Erie	$573	$97
Chubb	$632	$106
Progressive	$692	$116
New York Central Mutual Fire	$800	$134
USAA	$859	$145
Nationwide	$1292	$216
Allstate	$1303	$219
State Farm	$1573	$265
Travelers	$1600	$269
Utica National	$519	$88
Preferred Mutual	$524	$87

Margaretville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Margaretville NY. For example, the car insurance in Margaretville after a DUI increases to $649 for a six month policy. While the rate increases by $103 for a six-month policy in the case of a speeding ticket.

Margaretville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1140	$190
One Med/PIP claim	$1140	$194
One comp claim	$1151	$192
Two comp claims	$1162	$197
Two Med/PIP claims	$1162	$194
Not-at-fault accident	$1168	$198
Failure to show documents	$1184	$197
Failure to wear a seat belt	$1189	$202
Driving with expired registration	$1200	$200
At-fault accident - less than $1000	$1206	$205
Cell phone violation	$1206	$201
Child safety restraint	$1206	$205
Driving without lights	$1206	$201
Failure to stop at a red light	$1206	$205
Failure to yield	$1206	$201
Following too closely	$1206	$205
Illegal turn	$1206	$201
Improper passing	$1206	$205
Passing school bus	$1206	$201
Texting while driving	$1206	$205
Wrong way/wrong lane	$1206	$201
Driving too slowly	$1217	$207
Speeding in school zone	$1217	$203
At-fault accident - $1000-$2000	$1221	$207
Speeding 11 - 15 MPH over limit	$1243	$207
Speeding 6 - 10 MPH over limit	$1243	$211
Operating a vehicle without permission	$1265	$211
Open container	$1281	$217
In 65 MPH zone	$1335	$223
Speeding 16 - 20 MPH over limit	$1351	$230
Speeding 21 - 25 MPH over limit	$1400	$233
At-fault accident - greater than $2000	$1508	$257
Reckless driving	$1611	$268
Racing	$1675	$285
Driving with a suspended license	$1735	$289
Refusal to submit to a chemical test	$1773	$301
DUI	$1789	$298
Leaving scene of an accident/hit and run	$1816	$308

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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 Margaretville 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 Margaretville.

The cheapest car insurance premiums in Margaretville are offered by American Family at $410 for a six-month policy. However, it can be as expensive as $1833 with companies like State Farm.

Margaretville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$410	$69
Kemper	$432	$74
Progressive	$524	$88
NYCM	$660	$111
New York Central Mutual Fire	$973	$162
USAA	$1037	$175
Allstate	$1541	$259
Travelers	$1583	$267
Nationwide	$1605	$268
State Farm	$1833	$308

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 Margaretville are offered by American Family at $362. However, it can be as expensive as $1859 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Margaretville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$362	$62
Kemper	$362	$60
Progressive	$449	$76
NYCM	$600	$100
USAA	$816	$139
Nationwide	$1125	$187
State Farm	$1217	$207
Travelers	$1778	$297
Allstate	$1859	$316

Car Insurance Price Trends in Margaretville, New York

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

The average cost of full coverage in the Margaretville dipped by $225 in December compared to $226 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 Margaretville dipped to $77 in December, compared to $80 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 Margaretville?

The car insurance in Margaretville is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Margaretville?

The cheapest car insurance in Margaretville is $86 per month for full coverage.

How much is car insurance in Margaretville for teenagers?

Car insurance for teenagers costs $340 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 Margaretville?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $157 per month to insure your car in Margaretville.

Is car insurance expensive in Margaretville?

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

Cheapest Car Insurance Quotes in Margaretville

Why you can trust Way?

How Much Is Car Insurance in Margaretville

Avg. Car Insurance in Margaretville

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Margaretville

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Margaretville Car Insurance Rates by Company

Cheap Car Insurance Companies in Margaretville, NY

Way's key takeaways about car insurance in Margaretville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Margaretville

Cheapest Liability Coverage in Margaretville, NY

Cheapest Full Coverage Car Insurance in Margaretville

Cheapest Full Coverage Car Insurance Quotes in Margaretville, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Margaretville by Rating Factor

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

Car Insurance Premiums by Age in Margaretville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Margaretville,NY

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

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 Margaretville

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

Margaretville Car Insurance Rates by Violation

Margaretville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Margaretville after a DUI

Margaretville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Margaretville after Speeding ticket

Car Insurance Price Trends in Margaretville, New York

Average Car Insurance Cost in Margaretville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Margaretville, NY

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

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