Cheapest Car Insurance Quotes in Mill Neck

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Mill Neck Car Insurance

^$ 66

/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 Mill Neck

The car insurance rate in Mill Neck is $1533 for a six-month policy, which is $504 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $822, making it a popular choice for budget-conscious drivers. Rates in Mill Neck 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 Mill Neck

$1533

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Mill Neck

1st place: Kemper

At $822 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 $1089 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1098 for six months, making it the third cheapest auto insurance company in Mill Neck.

Mill Neck Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mill Neck, NY is Kemper, offering policies at just $822 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1089.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2292 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mill Neck drivers find the best deals.

Cheap Car Insurance Companies in Mill Neck, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$822	$140
New York Central Mutual Fire	$1089	$182
Progressive	$1098	$185
American Family	$1274	$215
NYCM	$1337	$225
Erie	$1602	$267
Nationwide	$1611	$274
USAA	$1620	$273
State Farm	$2009	$338
Travelers	$2116	$356
Allstate	$2292	$386

Key Takeaways

Way's key takeaways about car insurance in Mill Neck

The auto insurance costs in Mill Neck fall around $822 for six months.
The cheapest auto insurance company in Mill Neck is New York Central Mutual Fire.
Teen drivers pay the highest rate in Mill Neck at $1168 per month.

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Cheapest Minimum Liability Car Insurance in Mill Neck

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 Mill Neck are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Mill Neck. Their Average 6 Month Premium is $389. Preferred Mutual is the most expensive at $1027 for the same period.

Cheapest Liability Coverage in Mill Neck, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$389	$66
NYCM	$407	$69
Kemper	$478	$79
Progressive	$566	$95
American Family	$575	$97
USAA	$699	$118
Nationwide	$744	$124
Erie	$939	$159
State Farm	$1089	$183
Travelers	$1168	$197
Allstate	$1222	$206
Utica National	$849	$145
Preferred Mutual	$1027	$171

Cheapest Full Coverage Car Insurance in Mill Neck

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 Mill Neck is Kemper at $140 per month and $822 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mill Neck, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$822	$140
New York Central Mutual Fire	$1089	$182
Progressive	$1098	$185
American Family	$1274	$215
NYCM	$1337	$225
Erie	$1602	$267
Nationwide	$1611	$274
USAA	$1620	$273
State Farm	$2009	$338
Travelers	$2116	$356
Allstate	$2292	$386

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Average Car Insurance in Mill Neck 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 Mill Neck, NY increasing?

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

Car Insurance Premiums by Age in Mill Neck

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	$839
30s	National Grange Mutual	$597
40s	National Grange Mutual	$575
50s	National Grange Mutual	$584
60s	National Grange Mutual	$629
70s	National Grange Mutual	$863

Cheapest Car Insurance Rates for Teen Drivers in Mill Neck,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Mill Neck at $92 per month. At $6939 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$557	$92
American Family	$672	$113
NYCM	$1123	$189
Progressive	$1779	$299
New York Central Mutual Fire	$1938	$323
USAA	$3558	$599
Nationwide	$4647	$775
Travelers	$5753	$969
Allstate	$6222	$1047
State Farm	$6939	$1168

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 Mill Neck.

As young drivers face the highest rates in Mill Neck, National Grange Mutual offers the cheapest auto insurance rates at $839 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 Mill Neck, Chubb is the cheapest car insurance provider. At $1195 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 Mill Neck is Progressive, offering rates of around $7709 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1195	$200
Kemper	$1249	$212
Nationwide	$1611	$268
USAA	$2231	$380
NYCM	$2327	$387
Erie	$2523	$429
American Family	$2965	$495
Allstate	$3035	$511
State Farm	$3142	$529
Mercury	$3691	$627
Travelers	$3770	$635
Progressive	$7709	$1298

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Car Insurance Rates with An Accident in Mill Neck

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

Cheapest Car Insurance Companies after an At-Fault Accident in Mill Neck

The cheapest car insurance companies after an at-fault accident in Mill Neck include Kemper and American Family, offering $690 and $708, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $858.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$690	$115
American Family	$708	$119
NYCM	$858	$145
Erie	$939	$159
Chubb	$1036	$173
Progressive	$1132	$191
New York Central Mutual Fire	$1310	$219
USAA	$1407	$237
Nationwide	$2116	$353
Allstate	$2134	$359
State Farm	$2576	$434
Travelers	$2619	$441
Utica National	$849	$145
Preferred Mutual	$858	$143

Mill Neck Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mill Neck NY. For example, the car insurance in Mill Neck after a DUI increases to $1062 for a six month policy. While the rate increases by $168 for a six-month policy in the case of a speeding ticket.

Mill Neck auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1867	$311
One Med/PIP claim	$1867	$317
One comp claim	$1885	$314
Two comp claims	$1903	$323
Two Med/PIP claims	$1903	$317
Not-at-fault accident	$1912	$325
Failure to show documents	$1938	$323
Failure to wear a seat belt	$1947	$331
Driving with expired registration	$1965	$328
At-fault accident - less than $1000	$1974	$335
Cell phone violation	$1974	$329
Child safety restraint	$1974	$335
Driving without lights	$1974	$329
Failure to stop at a red light	$1974	$335
Failure to yield	$1974	$329
Following too closely	$1974	$335
Illegal turn	$1974	$329
Improper passing	$1974	$335
Passing school bus	$1974	$329
Texting while driving	$1974	$335
Wrong way/wrong lane	$1974	$329
Driving too slowly	$1992	$338
Speeding in school zone	$1992	$332
At-fault accident - $1000-$2000	$2000	$340
Speeding 11 - 15 MPH over limit	$2035	$340
Speeding 6 - 10 MPH over limit	$2035	$346
Operating a vehicle without permission	$2071	$346
Open container	$2098	$356
In 65 MPH zone	$2186	$365
Speeding 16 - 20 MPH over limit	$2213	$377
Speeding 21 - 25 MPH over limit	$2292	$381
At-fault accident - greater than $2000	$2469	$420
Reckless driving	$2637	$440
Racing	$2743	$466
Driving with a suspended license	$2841	$474
Refusal to submit to a chemical test	$2903	$493
DUI	$2929	$489
Leaving scene of an accident/hit and run	$2974	$505

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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 Mill Neck 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 Mill Neck.

The cheapest car insurance premiums in Mill Neck are offered by American Family at $672 for a six-month policy. However, it can be as expensive as $3001 with companies like State Farm.

Mill Neck car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$672	$113
Kemper	$708	$121
Progressive	$858	$145
NYCM	$1080	$182
New York Central Mutual Fire	$1593	$265
USAA	$1699	$286
Allstate	$2523	$425
Travelers	$2593	$437
Nationwide	$2628	$438
State Farm	$3001	$505

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 Mill Neck are offered by American Family at $593. However, it can be as expensive as $3044 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Mill Neck after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$593	$101
Kemper	$593	$98
Progressive	$735	$124
NYCM	$982	$164
USAA	$1337	$228
Nationwide	$1842	$307
State Farm	$1992	$338
Travelers	$2911	$486
Allstate	$3044	$517

Car Insurance Price Trends in Mill Neck, New York

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

The average cost of full coverage in the Mill Neck dipped by $368 in December compared to $370 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 Mill Neck dipped to $127 in December, compared to $131 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 Mill Neck?

The car insurance in Mill Neck is $66 per month, which is lower than the national average.

What is the cheapest car insurance in Mill Neck?

The cheapest car insurance in Mill Neck is $140 per month for full coverage.

How much is car insurance in Mill Neck for teenagers?

Car insurance for teenagers costs $557 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 Mill Neck?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $258 per month to insure your car in Mill Neck.

Is car insurance expensive in Mill Neck?

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

Cheapest Car Insurance Quotes in Mill Neck

Why you can trust Way?

How Much Is Car Insurance in Mill Neck

Avg. Car Insurance in Mill Neck

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Mill Neck

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Mill Neck Car Insurance Rates by Company

Cheap Car Insurance Companies in Mill Neck, NY

Way's key takeaways about car insurance in Mill Neck

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mill Neck

Cheapest Liability Coverage in Mill Neck, NY

Cheapest Full Coverage Car Insurance in Mill Neck

Cheapest Full Coverage Car Insurance Quotes in Mill Neck, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mill Neck by Rating Factor

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

Car Insurance Premiums by Age in Mill Neck

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mill Neck,NY

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

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 Mill Neck

Cheapest Car Insurance Companies after an At-Fault Accident in Mill Neck

Mill Neck Car Insurance Rates by Violation

Mill Neck auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mill Neck after a DUI

Mill Neck car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mill Neck after Speeding ticket

Car Insurance Price Trends in Mill Neck, New York

Average Car Insurance Cost in Mill Neck by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mill Neck, NY

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

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