Cheapest Car Insurance Quotes in Middle Island

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Middle Island Car Insurance

^$ 60

/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 Middle Island

The car insurance rate in Middle Island is $1410 for a six-month policy, which is $381 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $756, making it a popular choice for budget-conscious drivers. Rates in Middle Island 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 Middle Island

$1410

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Middle Island

1st place: Kemper

At $756 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 $1001 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1010 for six months, making it the third cheapest auto insurance company in Middle Island.

Middle Island Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Middle Island, NY is Kemper, offering policies at just $756 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1001.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2107 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Middle Island drivers find the best deals.

Cheap Car Insurance Companies in Middle Island, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$756	$129
New York Central Mutual Fire	$1001	$167
Progressive	$1010	$170
American Family	$1171	$197
NYCM	$1229	$207
Erie	$1473	$245
Nationwide	$1481	$252
USAA	$1489	$251
State Farm	$1847	$311
Travelers	$1945	$327
Allstate	$2107	$355

Key Takeaways

Way's key takeaways about car insurance in Middle Island

The auto insurance costs in Middle Island fall around $756 for six months.
The cheapest auto insurance company in Middle Island is New York Central Mutual Fire.
Teen drivers pay the highest rate in Middle Island at $1074 per month.

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Cheapest Minimum Liability Car Insurance in Middle Island

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 Middle Island are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Middle Island. Their Average 6 Month Premium is $358. Preferred Mutual is the most expensive at $944 for the same period.

Cheapest Liability Coverage in Middle Island, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$358	$60
NYCM	$374	$63
Kemper	$440	$73
Progressive	$521	$88
American Family	$529	$89
USAA	$643	$108
Nationwide	$684	$114
Erie	$863	$147
State Farm	$1001	$169
Travelers	$1074	$181
Allstate	$1123	$189
Utica National	$781	$133
Preferred Mutual	$944	$158

Cheapest Full Coverage Car Insurance in Middle Island

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 Middle Island is Kemper at $129 per month and $756 for six months.

Cheapest Full Coverage Car Insurance Quotes in Middle Island, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$756	$129
New York Central Mutual Fire	$1001	$167
Progressive	$1010	$170
American Family	$1171	$197
NYCM	$1229	$207
Erie	$1473	$245
Nationwide	$1481	$252
USAA	$1489	$251
State Farm	$1847	$311
Travelers	$1945	$327
Allstate	$2107	$355

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Average Car Insurance in Middle Island 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 Middle Island, NY increasing?

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

Car Insurance Premiums by Age in Middle Island

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	$771
30s	National Grange Mutual	$549
40s	National Grange Mutual	$529
50s	National Grange Mutual	$537
60s	National Grange Mutual	$578
70s	National Grange Mutual	$793

Cheapest Car Insurance Rates for Teen Drivers in Middle Island,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Middle Island at $85 per month. At $6380 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$512	$85
American Family	$618	$104
NYCM	$1033	$174
Progressive	$1636	$275
New York Central Mutual Fire	$1782	$297
USAA	$3272	$551
Nationwide	$4273	$712
Travelers	$5290	$891
Allstate	$5721	$963
State Farm	$6380	$1074

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 Middle Island.

As young drivers face the highest rates in Middle Island, National Grange Mutual offers the cheapest auto insurance rates at $771 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 Middle Island, Chubb is the cheapest car insurance provider. At $1099 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 Middle Island is Progressive, offering rates of around $7088 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1099	$184
Kemper	$1148	$195
Nationwide	$1481	$247
USAA	$2051	$349
NYCM	$2140	$356
Erie	$2319	$395
American Family	$2726	$455
Allstate	$2791	$470
State Farm	$2889	$486
Mercury	$3393	$577
Travelers	$3466	$584
Progressive	$7088	$1193

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Car Insurance Rates with An Accident in Middle Island

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

Cheapest Car Insurance Companies after an At-Fault Accident in Middle Island

The cheapest car insurance companies after an at-fault accident in Middle Island include Kemper and American Family, offering $634 and $651, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $789.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$634	$105
American Family	$651	$110
NYCM	$789	$133
Erie	$863	$147
Chubb	$952	$159
Progressive	$1041	$175
New York Central Mutual Fire	$1204	$201
USAA	$1293	$218
Nationwide	$1945	$325
Allstate	$1962	$330
State Farm	$2369	$399
Travelers	$2408	$406
Utica National	$781	$133
Preferred Mutual	$789	$132

Middle Island Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Middle Island NY. For example, the car insurance in Middle Island after a DUI increases to $976 for a six month policy. While the rate increases by $154 for a six-month policy in the case of a speeding ticket.

Middle Island auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1717	$286
One Med/PIP claim	$1717	$292
One comp claim	$1733	$289
Two comp claims	$1749	$297
Two Med/PIP claims	$1749	$292
Not-at-fault accident	$1758	$299
Failure to show documents	$1782	$297
Failure to wear a seat belt	$1791	$304
Driving with expired registration	$1807	$301
At-fault accident - less than $1000	$1815	$308
Cell phone violation	$1815	$303
Child safety restraint	$1815	$308
Driving without lights	$1815	$303
Failure to stop at a red light	$1815	$308
Failure to yield	$1815	$303
Following too closely	$1815	$308
Illegal turn	$1815	$303
Improper passing	$1815	$308
Passing school bus	$1815	$303
Texting while driving	$1815	$308
Wrong way/wrong lane	$1815	$303
Driving too slowly	$1832	$311
Speeding in school zone	$1832	$306
At-fault accident - $1000-$2000	$1839	$312
Speeding 11 - 15 MPH over limit	$1871	$312
Speeding 6 - 10 MPH over limit	$1871	$318
Operating a vehicle without permission	$1904	$318
Open container	$1929	$327
In 65 MPH zone	$2010	$336
Speeding 16 - 20 MPH over limit	$2034	$347
Speeding 21 - 25 MPH over limit	$2107	$351
At-fault accident - greater than $2000	$2270	$386
Reckless driving	$2425	$404
Racing	$2522	$429
Driving with a suspended license	$2613	$436
Refusal to submit to a chemical test	$2669	$453
DUI	$2693	$449
Leaving scene of an accident/hit and run	$2735	$464

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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 Middle Island 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 Middle Island.

The cheapest car insurance premiums in Middle Island are offered by American Family at $618 for a six-month policy. However, it can be as expensive as $2759 with companies like State Farm.

Middle Island car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$618	$104
Kemper	$651	$111
Progressive	$789	$133
NYCM	$993	$167
New York Central Mutual Fire	$1465	$244
USAA	$1562	$263
Allstate	$2319	$390
Travelers	$2384	$401
Nationwide	$2417	$403
State Farm	$2759	$464

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 Middle Island are offered by American Family at $545. However, it can be as expensive as $2799 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Middle Island after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$545	$93
Kemper	$545	$90
Progressive	$675	$114
NYCM	$903	$151
USAA	$1229	$210
Nationwide	$1693	$282
State Farm	$1832	$311
Travelers	$2677	$447
Allstate	$2799	$475

Car Insurance Price Trends in Middle Island, New York

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

The average cost of full coverage in the Middle Island dipped by $338 in December compared to $340 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 Middle Island dipped to $116 in December, compared to $121 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 Middle Island?

The car insurance in Middle Island is $60 per month, which is lower than the national average.

What is the cheapest car insurance in Middle Island?

The cheapest car insurance in Middle Island is $129 per month for full coverage.

How much is car insurance in Middle Island for teenagers?

Car insurance for teenagers costs $512 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 Middle Island?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $237 per month to insure your car in Middle Island.

Is car insurance expensive in Middle Island?

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

Cheapest Car Insurance Quotes in Middle Island

Why you can trust Way?

How Much Is Car Insurance in Middle Island

Avg. Car Insurance in Middle Island

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Middle Island

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Middle Island Car Insurance Rates by Company

Cheap Car Insurance Companies in Middle Island, NY

Way's key takeaways about car insurance in Middle Island

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Middle Island

Cheapest Liability Coverage in Middle Island, NY

Cheapest Full Coverage Car Insurance in Middle Island

Cheapest Full Coverage Car Insurance Quotes in Middle Island, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Middle Island by Rating Factor

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

Car Insurance Premiums by Age in Middle Island

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Middle Island,NY

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

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 Middle Island

Cheapest Car Insurance Companies after an At-Fault Accident in Middle Island

Middle Island Car Insurance Rates by Violation

Middle Island auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Middle Island after a DUI

Middle Island car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Middle Island after Speeding ticket

Car Insurance Price Trends in Middle Island, New York

Average Car Insurance Cost in Middle Island by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Middle Island, NY

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

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