Cheapest Car Insurance Quotes in Morrisonville

Finding the cheapest car insurance quotes in Morrisonville 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Morrisonville Car Insurance

^$ 32

/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 Morrisonville

The car insurance rate in Morrisonville is $741 for a six-month policy, which is $288 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $397, making it a popular choice for budget-conscious drivers. Rates in Morrisonville 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 Morrisonville

$741

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Morrisonville

1st place: Kemper

At $397 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 $526 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $531 for six months, making it the third cheapest auto insurance company in Morrisonville.

Morrisonville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Morrisonville, NY is Kemper, offering policies at just $397 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $526.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1107 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Morrisonville drivers find the best deals.

Cheap Car Insurance Companies in Morrisonville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$397	$68
New York Central Mutual Fire	$526	$88
Progressive	$531	$89
American Family	$616	$104
NYCM	$646	$109
Erie	$774	$129
Nationwide	$778	$132
USAA	$783	$132
State Farm	$971	$163
Travelers	$1022	$172
Allstate	$1107	$186

Key Takeaways

Way's key takeaways about car insurance in Morrisonville

The auto insurance costs in Morrisonville fall around $397 for six months.
The cheapest auto insurance company in Morrisonville is New York Central Mutual Fire.
Teen drivers pay the highest rate in Morrisonville at $564 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 Morrisonville

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 Morrisonville are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Morrisonville. Their Average 6 Month Premium is $188. Preferred Mutual is the most expensive at $496 for the same period.

Cheapest Liability Coverage in Morrisonville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$188	$32
NYCM	$197	$33
Kemper	$231	$38
Progressive	$274	$46
American Family	$278	$47
USAA	$338	$57
Nationwide	$359	$60
Erie	$454	$77
State Farm	$526	$89
Travelers	$564	$95
Allstate	$590	$99
Utica National	$410	$70
Preferred Mutual	$496	$83

Cheapest Full Coverage Car Insurance in Morrisonville

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 Morrisonville is Kemper at $68 per month and $397 for six months.

Cheapest Full Coverage Car Insurance Quotes in Morrisonville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$397	$68
New York Central Mutual Fire	$526	$88
Progressive	$531	$89
American Family	$616	$104
NYCM	$646	$109
Erie	$774	$129
Nationwide	$778	$132
USAA	$783	$132
State Farm	$971	$163
Travelers	$1022	$172
Allstate	$1107	$186

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Morrisonville Instantly!

Average Car Insurance in Morrisonville 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 Morrisonville, NY increasing?

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

Car Insurance Premiums by Age in Morrisonville

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	$405
30s	National Grange Mutual	$289
40s	National Grange Mutual	$278
50s	National Grange Mutual	$282
60s	National Grange Mutual	$304
70s	National Grange Mutual	$417

Cheapest Car Insurance Rates for Teen Drivers in Morrisonville,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Morrisonville at $45 per month. At $3353 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$269	$45
American Family	$325	$55
NYCM	$543	$91
Progressive	$860	$145
New York Central Mutual Fire	$937	$156
USAA	$1719	$289
Nationwide	$2246	$374
Travelers	$2780	$468
Allstate	$3007	$506
State Farm	$3353	$564

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 Morrisonville.

As young drivers face the highest rates in Morrisonville, National Grange Mutual offers the cheapest auto insurance rates at $405 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 Morrisonville, Chubb is the cheapest car insurance provider. At $577 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 Morrisonville is Progressive, offering rates of around $3725 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$577	$96
Kemper	$603	$102
Nationwide	$778	$130
USAA	$1078	$184
NYCM	$1125	$187
Erie	$1219	$207
American Family	$1433	$239
Allstate	$1467	$247
State Farm	$1518	$256
Mercury	$1783	$303
Travelers	$1822	$307
Progressive	$3725	$627

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Morrisonville.

Car Insurance Rates with An Accident in Morrisonville

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

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

The cheapest car insurance companies after an at-fault accident in Morrisonville include Kemper and American Family, offering $333 and $342, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $415.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$333	$55
American Family	$342	$58
NYCM	$415	$70
Erie	$454	$77
Chubb	$500	$84
Progressive	$547	$92
New York Central Mutual Fire	$633	$106
USAA	$680	$114
Nationwide	$1022	$171
Allstate	$1031	$174
State Farm	$1245	$210
Travelers	$1266	$213
Utica National	$410	$70
Preferred Mutual	$415	$69

Morrisonville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Morrisonville NY. For example, the car insurance in Morrisonville after a DUI increases to $514 for a six month policy. While the rate increases by $82 for a six-month policy in the case of a speeding ticket.

Morrisonville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$902	$150
One Med/PIP claim	$902	$153
One comp claim	$911	$152
Two comp claims	$919	$156
Two Med/PIP claims	$919	$153
Not-at-fault accident	$924	$157
Failure to show documents	$937	$156
Failure to wear a seat belt	$941	$160
Driving with expired registration	$950	$158
At-fault accident - less than $1000	$954	$162
Cell phone violation	$954	$159
Child safety restraint	$954	$162
Driving without lights	$954	$159
Failure to stop at a red light	$954	$162
Failure to yield	$954	$159
Following too closely	$954	$162
Illegal turn	$954	$159
Improper passing	$954	$162
Passing school bus	$954	$159
Texting while driving	$954	$162
Wrong way/wrong lane	$954	$159
Driving too slowly	$963	$163
Speeding in school zone	$963	$161
At-fault accident - $1000-$2000	$966	$164
Speeding 11 - 15 MPH over limit	$984	$164
Speeding 6 - 10 MPH over limit	$984	$167
Operating a vehicle without permission	$1001	$167
Open container	$1014	$172
In 65 MPH zone	$1056	$176
Speeding 16 - 20 MPH over limit	$1069	$182
Speeding 21 - 25 MPH over limit	$1107	$184
At-fault accident - greater than $2000	$1193	$203
Reckless driving	$1274	$212
Racing	$1326	$225
Driving with a suspended license	$1373	$229
Refusal to submit to a chemical test	$1403	$238
DUI	$1416	$236
Leaving scene of an accident/hit and run	$1437	$244

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Morrisonville 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 Morrisonville.

The cheapest car insurance premiums in Morrisonville are offered by American Family at $325 for a six-month policy. However, it can be as expensive as $1450 with companies like State Farm.

Morrisonville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$325	$55
Kemper	$342	$58
Progressive	$415	$70
NYCM	$522	$88
New York Central Mutual Fire	$770	$128
USAA	$821	$138
Allstate	$1219	$205
Travelers	$1253	$211
Nationwide	$1270	$212
State Farm	$1450	$244

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 Morrisonville are offered by American Family at $287. However, it can be as expensive as $1471 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Morrisonville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$287	$49
Kemper	$287	$48
Progressive	$355	$60
NYCM	$474	$79
USAA	$646	$110
Nationwide	$890	$148
State Farm	$963	$163
Travelers	$1407	$235
Allstate	$1471	$250

Car Insurance Price Trends in Morrisonville, New York

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

The average cost of full coverage in the Morrisonville dipped by $178 in December compared to $179 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 Morrisonville dipped to $61 in December, compared to $63 in November. This represents an decrease of $2 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Morrisonville?

The car insurance in Morrisonville is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Morrisonville?

The cheapest car insurance in Morrisonville is $68 per month for full coverage.

How much is car insurance in Morrisonville for teenagers?

Car insurance for teenagers costs $269 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 Morrisonville?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $125 per month to insure your car in Morrisonville.

Is car insurance expensive in Morrisonville?

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

Cheapest Car Insurance Quotes in Morrisonville

Why you can trust Way?

How Much Is Car Insurance in Morrisonville

Avg. Car Insurance in Morrisonville

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Morrisonville

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Morrisonville Car Insurance Rates by Company

Cheap Car Insurance Companies in Morrisonville, NY

Way's key takeaways about car insurance in Morrisonville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Morrisonville

Cheapest Liability Coverage in Morrisonville, NY

Cheapest Full Coverage Car Insurance in Morrisonville

Cheapest Full Coverage Car Insurance Quotes in Morrisonville, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Morrisonville by Rating Factor

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

Car Insurance Premiums by Age in Morrisonville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Morrisonville,NY

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

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 Morrisonville

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

Morrisonville Car Insurance Rates by Violation

Morrisonville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Morrisonville after a DUI

Morrisonville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Morrisonville after Speeding ticket

Car Insurance Price Trends in Morrisonville, New York

Average Car Insurance Cost in Morrisonville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Morrisonville, NY

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

Featured Blogs

Data Sources