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Finding the cheapest car insurance quotes in Maspeth shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Maspeth
The car insurance rate in Maspeth is $1965 for a six-month policy, which is $936 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1054, making it a popular choice for budget-conscious drivers. Rates in Maspeth 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.
At $1054 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 $1396 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $1408
for six months, making it
the third cheapest auto insurance company in Maspeth.
Maspeth Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Maspeth, NY is Kemper, offering policies at just $1054 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1396.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2938 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Maspeth drivers find the best deals.
Way's key takeaways about car insurance in Maspeth
The auto insurance costs in Maspeth fall around $1054 for six
months.
The cheapest auto insurance company in Maspeth is New York Central Mutual Fire.
Teen drivers pay the highest rate in Maspeth at $1497 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Maspeth
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 Maspeth are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in Maspeth. Their Average 6 Month Premium is $499.
Preferred Mutual is the most
expensive at $1316 for the same
period.
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 Maspeth is Kemper
at $180 per month and $1054
for six months.
Cheapest Full Coverage Car Insurance Quotes in Maspeth,
NY
Get Your Car Insurance Quote in Maspeth
Instantly!
Average Car Insurance in Maspeth 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 Maspeth, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Maspeth, 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, Maspeth's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Maspeth
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
$1075
30s
National Grange Mutual
$766
40s
National Grange Mutual
$737
50s
National Grange Mutual
$749
60s
National Grange Mutual
$806
70s
National Grange Mutual
$1106
Cheapest Car Insurance Rates for Teen Drivers in
Maspeth,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Maspeth at $118
per
month. At $8895 for a six-month premium,
State Farm offers the most expensive rate for
teen drivers.
If you are in your twenties National Grange Mutual is
the best choice for car
insurance in Maspeth.
As young drivers face the highest rates in Maspeth, National Grange Mutual
offers the cheapest auto insurance rates at $1075 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 Maspeth,
Chubb is
the cheapest car insurance provider. At $1532 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
Maspeth is Progressive, offering
rates of around $9882 for six
months.
Save up to $971/yr on car insurance rates in Maspeth.
Car Insurance Rates with An Accident in Maspeth
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 Maspeth, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Maspeth
The cheapest car insurance companies after an at-fault accident in
Maspeth include Kemper
and American Family, offering $884
and $907,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$1100.
Here is a list of driving violations that can increase your car
insurance rates in Maspeth NY. For example, the car
insurance in Maspeth
after a DUI increases to $1362 for a six
month policy. While the rate increases by $216 for a six-month policy in the case of
a speeding ticket.
Maspeth auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$2393
$399
One Med/PIP claim
$2393
$407
One comp claim
$2416
$403
Two comp claims
$2439
$414
Two Med/PIP claims
$2439
$407
Not-at-fault accident
$2451
$416
Failure to show documents
$2485
$414
Failure to wear a seat belt
$2496
$424
Driving with expired registration
$2519
$420
At-fault accident - less than $1000
$2531
$430
Cell phone violation
$2531
$422
Child safety restraint
$2531
$430
Driving without lights
$2531
$422
Failure to stop at a red light
$2531
$430
Failure to yield
$2531
$422
Following too closely
$2531
$430
Illegal turn
$2531
$422
Improper passing
$2531
$430
Passing school bus
$2531
$422
Texting while driving
$2531
$430
Wrong way/wrong lane
$2531
$422
Driving too slowly
$2554
$434
Speeding in school zone
$2554
$426
At-fault accident - $1000-$2000
$2563
$435
Speeding 11 - 15 MPH over limit
$2609
$435
Speeding 6 - 10 MPH over limit
$2609
$443
Operating a vehicle without permission
$2655
$443
Open container
$2689
$456
In 65 MPH zone
$2802
$468
Speeding 16 - 20 MPH over limit
$2836
$483
Speeding 21 - 25 MPH over limit
$2938
$489
At-fault accident - greater than $2000
$3165
$539
Reckless driving
$3381
$563
Racing
$3516
$598
Driving with a suspended license
$3642
$607
Refusal to submit to a chemical test
$3721
$632
DUI
$3755
$626
Leaving scene of an accident/hit and run
$3812
$647
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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 Maspeth 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 Maspeth.
The cheapest car insurance premiums in
Maspeth are
offered by American Family at $861 for a six-month policy.
However, it can be as
expensive as $3847 with companies
like State Farm.
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 Maspeth are offered by American Family
at $760. However,
it can be as expensive as $3902
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Maspeth after Speeding ticket
Car insurance rates in Maspeth have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Maspeth dipped by
$472 in December
compared to $474 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 Maspeth dipped to $162 in December,
compared to $168 in November.
This represents an decrease of $6
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Maspeth. At $3930 for a
six-month policy, insuring
your car at 11378 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Maspeth?
The car insurance in Maspeth is $84 per month, which is lower than the national average.
What is the cheapest car insurance in Maspeth?
The cheapest car insurance in Maspeth
is $180 per month
for full coverage.
How much is car insurance in Maspeth for teenagers?
Car insurance for teenagers costs $714 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
Maspeth?
The average cost of car insurance is $1029 for a six-month
policy. It will cost around $330 per month to insure your
car in Maspeth.
Is car insurance expensive in Maspeth?
Car insurance can be expensive in Maspeth if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Maspeth can be
affordable.
What is the best car insurance in Maspeth,
NY?
The best car insurance company in Maspeth
NY is
Kemper, offering $1054 for a
six-month policy.
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Maspeth Car Insurance
