Cheapest Car Insurance Quotes in Merrick

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Merrick Car Insurance

^$ 71

/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 Merrick

The car insurance rate in Merrick is $1657 for a six-month policy, which is $628 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $889, making it a popular choice for budget-conscious drivers. Rates in Merrick 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 Merrick

$1657

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Merrick

1st place: Kemper

At $889 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 $1177 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1187 for six months, making it the third cheapest auto insurance company in Merrick.

Merrick Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Merrick, NY is Kemper, offering policies at just $889 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1177.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2476 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Merrick drivers find the best deals.

Cheap Car Insurance Companies in Merrick, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$889	$151
New York Central Mutual Fire	$1177	$196
Progressive	$1187	$200
American Family	$1377	$232
NYCM	$1444	$243
Erie	$1731	$288
Nationwide	$1740	$296
USAA	$1750	$295
State Farm	$2170	$365
Travelers	$2286	$385
Allstate	$2476	$417

Key Takeaways

Way's key takeaways about car insurance in Merrick

The auto insurance costs in Merrick fall around $889 for six months.
The cheapest auto insurance company in Merrick is New York Central Mutual Fire.
Teen drivers pay the highest rate in Merrick at $1262 per month.

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Cheapest Minimum Liability Car Insurance in Merrick

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 Merrick are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Merrick. Their Average 6 Month Premium is $420. Preferred Mutual is the most expensive at $1109 for the same period.

Cheapest Liability Coverage in Merrick, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$420	$71
NYCM	$440	$74
Kemper	$517	$85
Progressive	$612	$103
American Family	$621	$105
USAA	$755	$127
Nationwide	$803	$134
Erie	$1014	$172
State Farm	$1177	$198
Travelers	$1262	$213
Allstate	$1320	$222
Utica National	$918	$156
Preferred Mutual	$1109	$185

Cheapest Full Coverage Car Insurance in Merrick

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 Merrick is Kemper at $151 per month and $889 for six months.

Cheapest Full Coverage Car Insurance Quotes in Merrick, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$889	$151
New York Central Mutual Fire	$1177	$196
Progressive	$1187	$200
American Family	$1377	$232
NYCM	$1444	$243
Erie	$1731	$288
Nationwide	$1740	$296
USAA	$1750	$295
State Farm	$2170	$365
Travelers	$2286	$385
Allstate	$2476	$417

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Average Car Insurance in Merrick 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 Merrick, NY increasing?

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

Car Insurance Premiums by Age in Merrick

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	$906
30s	National Grange Mutual	$646
40s	National Grange Mutual	$621
50s	National Grange Mutual	$631
60s	National Grange Mutual	$679
70s	National Grange Mutual	$932

Cheapest Car Insurance Rates for Teen Drivers in Merrick,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Merrick at $100 per month. At $7498 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$602	$100
American Family	$726	$122
NYCM	$1214	$204
Progressive	$1922	$324
New York Central Mutual Fire	$2095	$349
USAA	$3845	$647
Nationwide	$5022	$837
Travelers	$6216	$1047
Allstate	$6723	$1132
State Farm	$7498	$1262

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 Merrick.

As young drivers face the highest rates in Merrick, National Grange Mutual offers the cheapest auto insurance rates at $906 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 Merrick, Chubb is the cheapest car insurance provider. At $1291 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 Merrick is Progressive, offering rates of around $8330 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1291	$216
Kemper	$1349	$229
Nationwide	$1740	$290
USAA	$2410	$411
NYCM	$2515	$419
Erie	$2726	$464
American Family	$3204	$535
Allstate	$3280	$552
State Farm	$3395	$572
Mercury	$3988	$678
Travelers	$4073	$686
Progressive	$8330	$1402

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Car Insurance Rates with An Accident in Merrick

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

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

The cheapest car insurance companies after an at-fault accident in Merrick include Kemper and American Family, offering $745 and $765, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $927.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$745	$124
American Family	$765	$129
NYCM	$927	$156
Erie	$1014	$172
Chubb	$1119	$187
Progressive	$1224	$206
New York Central Mutual Fire	$1415	$237
USAA	$1520	$256
Nationwide	$2286	$382
Allstate	$2306	$388
State Farm	$2784	$469
Travelers	$2830	$477
Utica National	$918	$156
Preferred Mutual	$927	$155

Merrick Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Merrick NY. For example, the car insurance in Merrick after a DUI increases to $1148 for a six month policy. While the rate increases by $182 for a six-month policy in the case of a speeding ticket.

Merrick auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2017	$336
One Med/PIP claim	$2017	$343
One comp claim	$2037	$340
Two comp claims	$2056	$349
Two Med/PIP claims	$2056	$343
Not-at-fault accident	$2066	$351
Failure to show documents	$2095	$349
Failure to wear a seat belt	$2104	$357
Driving with expired registration	$2124	$354
At-fault accident - less than $1000	$2133	$362
Cell phone violation	$2133	$356
Child safety restraint	$2133	$362
Driving without lights	$2133	$356
Failure to stop at a red light	$2133	$362
Failure to yield	$2133	$356
Following too closely	$2133	$362
Illegal turn	$2133	$356
Improper passing	$2133	$362
Passing school bus	$2133	$356
Texting while driving	$2133	$362
Wrong way/wrong lane	$2133	$356
Driving too slowly	$2153	$365
Speeding in school zone	$2153	$359
At-fault accident - $1000-$2000	$2161	$367
Speeding 11 - 15 MPH over limit	$2199	$367
Speeding 6 - 10 MPH over limit	$2199	$374
Operating a vehicle without permission	$2238	$374
Open container	$2267	$385
In 65 MPH zone	$2362	$394
Speeding 16 - 20 MPH over limit	$2391	$407
Speeding 21 - 25 MPH over limit	$2476	$412
At-fault accident - greater than $2000	$2668	$454
Reckless driving	$2850	$475
Racing	$2964	$504
Driving with a suspended license	$3070	$512
Refusal to submit to a chemical test	$3136	$533
DUI	$3165	$528
Leaving scene of an accident/hit and run	$3214	$546

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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 Merrick 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 Merrick.

The cheapest car insurance premiums in Merrick are offered by American Family at $726 for a six-month policy. However, it can be as expensive as $3243 with companies like State Farm.

Merrick car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$726	$122
Kemper	$765	$130
Progressive	$927	$156
NYCM	$1167	$196
New York Central Mutual Fire	$1721	$287
USAA	$1835	$309
Allstate	$2726	$459
Travelers	$2801	$472
Nationwide	$2840	$473
State Farm	$3243	$546

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 Merrick are offered by American Family at $641. However, it can be as expensive as $3289 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Merrick after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$641	$109
Kemper	$641	$106
Progressive	$794	$134
NYCM	$1061	$177
USAA	$1444	$246
Nationwide	$1990	$332
State Farm	$2153	$365
Travelers	$3146	$525
Allstate	$3289	$559

Car Insurance Price Trends in Merrick, New York

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

The average cost of full coverage in the Merrick dipped by $398 in December compared to $399 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 Merrick dipped to $137 in December, compared to $142 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 Merrick?

The car insurance in Merrick is $71 per month, which is lower than the national average.

What is the cheapest car insurance in Merrick?

The cheapest car insurance in Merrick is $151 per month for full coverage.

How much is car insurance in Merrick for teenagers?

Car insurance for teenagers costs $602 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 Merrick?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $279 per month to insure your car in Merrick.

Is car insurance expensive in Merrick?

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

Cheapest Car Insurance Quotes in Merrick

Why you can trust Way?

How Much Is Car Insurance in Merrick

Avg. Car Insurance in Merrick

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Merrick

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Merrick Car Insurance Rates by Company

Cheap Car Insurance Companies in Merrick, NY

Way's key takeaways about car insurance in Merrick

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Merrick

Cheapest Liability Coverage in Merrick, NY

Cheapest Full Coverage Car Insurance in Merrick

Cheapest Full Coverage Car Insurance Quotes in Merrick, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Merrick by Rating Factor

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

Car Insurance Premiums by Age in Merrick

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Merrick,NY

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

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 Merrick

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

Merrick Car Insurance Rates by Violation

Merrick auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Merrick after a DUI

Merrick car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Merrick after Speeding ticket

Car Insurance Price Trends in Merrick, New York

Average Car Insurance Cost in Merrick by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Merrick, NY

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

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