Cheapest Car Insurance Quotes in Melville

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Melville Car Insurance

^$ 64

/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 Melville

The car insurance rate in Melville is $1502 for a six-month policy, which is $473 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $806, making it a popular choice for budget-conscious drivers. Rates in Melville 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 Melville

$1502

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Melville

1st place: Kemper

At $806 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 $1067 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1076 for six months, making it the third cheapest auto insurance company in Melville.

Melville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Melville, NY is Kemper, offering policies at just $806 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1067.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2245 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Melville drivers find the best deals.

Cheap Car Insurance Companies in Melville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$806	$137
New York Central Mutual Fire	$1067	$178
Progressive	$1076	$181
American Family	$1248	$210
NYCM	$1310	$220
Erie	$1570	$261
Nationwide	$1578	$269
USAA	$1587	$267
State Farm	$1968	$331
Travelers	$2073	$349
Allstate	$2245	$378

Key Takeaways

Way's key takeaways about car insurance in Melville

The auto insurance costs in Melville fall around $806 for six months.
The cheapest auto insurance company in Melville is New York Central Mutual Fire.
Teen drivers pay the highest rate in Melville at $1145 per month.

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Cheapest Minimum Liability Car Insurance in Melville

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 Melville are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Melville. Their Average 6 Month Premium is $381. Preferred Mutual is the most expensive at $1006 for the same period.

Cheapest Liability Coverage in Melville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$381	$64
NYCM	$399	$67
Kemper	$469	$77
Progressive	$555	$93
American Family	$564	$95
USAA	$685	$115
Nationwide	$729	$121
Erie	$920	$156
State Farm	$1067	$180
Travelers	$1145	$193
Allstate	$1197	$201
Utica National	$832	$142
Preferred Mutual	$1006	$168

Cheapest Full Coverage Car Insurance in Melville

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 Melville is Kemper at $137 per month and $806 for six months.

Cheapest Full Coverage Car Insurance Quotes in Melville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$806	$137
New York Central Mutual Fire	$1067	$178
Progressive	$1076	$181
American Family	$1248	$210
NYCM	$1310	$220
Erie	$1570	$261
Nationwide	$1578	$269
USAA	$1587	$267
State Farm	$1968	$331
Travelers	$2073	$349
Allstate	$2245	$378

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Average Car Insurance in Melville 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 Melville, NY increasing?

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

Car Insurance Premiums by Age in Melville

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	$822
30s	National Grange Mutual	$585
40s	National Grange Mutual	$564
50s	National Grange Mutual	$572
60s	National Grange Mutual	$616
70s	National Grange Mutual	$845

Cheapest Car Insurance Rates for Teen Drivers in Melville,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Melville at $91 per month. At $6799 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$546	$91
American Family	$658	$111
NYCM	$1101	$185
Progressive	$1743	$293
New York Central Mutual Fire	$1899	$317
USAA	$3486	$587
Nationwide	$4554	$759
Travelers	$5637	$949
Allstate	$6097	$1026
State Farm	$6799	$1145

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 Melville.

As young drivers face the highest rates in Melville, National Grange Mutual offers the cheapest auto insurance rates at $822 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 Melville, Chubb is the cheapest car insurance provider. At $1171 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 Melville is Progressive, offering rates of around $7554 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1171	$196
Kemper	$1223	$207
Nationwide	$1578	$263
USAA	$2186	$372
NYCM	$2281	$380
Erie	$2472	$420
American Family	$2905	$485
Allstate	$2974	$501
State Farm	$3079	$518
Mercury	$3616	$615
Travelers	$3694	$622
Progressive	$7554	$1272

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Car Insurance Rates with An Accident in Melville

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

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

The cheapest car insurance companies after an at-fault accident in Melville include Kemper and American Family, offering $676 and $694, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $841.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$676	$112
American Family	$694	$117
NYCM	$841	$142
Erie	$920	$156
Chubb	$1015	$169
Progressive	$1110	$187
New York Central Mutual Fire	$1283	$215
USAA	$1378	$232
Nationwide	$2073	$346
Allstate	$2091	$352
State Farm	$2524	$425
Travelers	$2567	$432
Utica National	$832	$142
Preferred Mutual	$841	$140

Melville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Melville NY. For example, the car insurance in Melville after a DUI increases to $1041 for a six month policy. While the rate increases by $165 for a six-month policy in the case of a speeding ticket.

Melville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1829	$305
One Med/PIP claim	$1829	$311
One comp claim	$1847	$308
Two comp claims	$1864	$317
Two Med/PIP claims	$1864	$311
Not-at-fault accident	$1873	$318
Failure to show documents	$1899	$317
Failure to wear a seat belt	$1908	$324
Driving with expired registration	$1926	$321
At-fault accident - less than $1000	$1935	$329
Cell phone violation	$1935	$323
Child safety restraint	$1935	$329
Driving without lights	$1935	$323
Failure to stop at a red light	$1935	$329
Failure to yield	$1935	$323
Following too closely	$1935	$329
Illegal turn	$1935	$323
Improper passing	$1935	$329
Passing school bus	$1935	$323
Texting while driving	$1935	$329
Wrong way/wrong lane	$1935	$323
Driving too slowly	$1952	$331
Speeding in school zone	$1952	$326
At-fault accident - $1000-$2000	$1959	$333
Speeding 11 - 15 MPH over limit	$1994	$333
Speeding 6 - 10 MPH over limit	$1994	$339
Operating a vehicle without permission	$2029	$339
Open container	$2056	$349
In 65 MPH zone	$2142	$358
Speeding 16 - 20 MPH over limit	$2168	$369
Speeding 21 - 25 MPH over limit	$2245	$374
At-fault accident - greater than $2000	$2419	$412
Reckless driving	$2584	$431
Racing	$2688	$457
Driving with a suspended license	$2784	$464
Refusal to submit to a chemical test	$2844	$483
DUI	$2870	$479
Leaving scene of an accident/hit and run	$2914	$495

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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 Melville 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 Melville.

The cheapest car insurance premiums in Melville are offered by American Family at $658 for a six-month policy. However, it can be as expensive as $2940 with companies like State Farm.

Melville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$658	$111
Kemper	$694	$118
Progressive	$841	$142
NYCM	$1059	$178
New York Central Mutual Fire	$1561	$260
USAA	$1664	$280
Allstate	$2472	$416
Travelers	$2540	$428
Nationwide	$2575	$429
State Farm	$2940	$495

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 Melville are offered by American Family at $581. However, it can be as expensive as $2983 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Melville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$581	$99
Kemper	$581	$96
Progressive	$720	$121
NYCM	$962	$161
USAA	$1310	$223
Nationwide	$1805	$301
State Farm	$1952	$331
Travelers	$2853	$476
Allstate	$2983	$507

Car Insurance Price Trends in Melville, New York

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

The average cost of full coverage in the Melville dipped by $361 in December compared to $362 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 Melville dipped to $124 in December, compared to $128 in November. This represents an decrease of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Melville?

The car insurance in Melville is $64 per month, which is lower than the national average.

What is the cheapest car insurance in Melville?

The cheapest car insurance in Melville is $137 per month for full coverage.

How much is car insurance in Melville for teenagers?

Car insurance for teenagers costs $546 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 Melville?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $253 per month to insure your car in Melville.

Is car insurance expensive in Melville?

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

Cheapest Car Insurance Quotes in Melville

Why you can trust Way?

How Much Is Car Insurance in Melville

Avg. Car Insurance in Melville

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Melville

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Melville Car Insurance Rates by Company

Cheap Car Insurance Companies in Melville, NY

Way's key takeaways about car insurance in Melville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Melville

Cheapest Liability Coverage in Melville, NY

Cheapest Full Coverage Car Insurance in Melville

Cheapest Full Coverage Car Insurance Quotes in Melville, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Melville by Rating Factor

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

Car Insurance Premiums by Age in Melville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Melville,NY

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

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 Melville

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

Melville Car Insurance Rates by Violation

Melville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Melville after a DUI

Melville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Melville after Speeding ticket

Car Insurance Price Trends in Melville, New York

Average Car Insurance Cost in Melville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Melville, NY

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

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