Cheapest Car Insurance Quotes in Mount Vernon

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Mount Vernon Car Insurance

^$ 72

/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 Mount Vernon

The car insurance rate in Mount Vernon is $1677 for a six-month policy, which is $648 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $900, making it a popular choice for budget-conscious drivers. Rates in Mount Vernon 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 Mount Vernon

$1677

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Mount Vernon

1st place: Kemper

At $900 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 $1192 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1201 for six months, making it the third cheapest auto insurance company in Mount Vernon.

Mount Vernon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mount Vernon, NY is Kemper, offering policies at just $900 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1192.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2507 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Vernon drivers find the best deals.

Cheap Car Insurance Companies in Mount Vernon, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$900	$153
New York Central Mutual Fire	$1192	$199
Progressive	$1201	$202
American Family	$1394	$235
NYCM	$1462	$246
Erie	$1752	$292
Nationwide	$1762	$300
USAA	$1772	$298
State Farm	$2197	$370
Travelers	$2315	$390
Allstate	$2507	$422

Key Takeaways

Way's key takeaways about car insurance in Mount Vernon

The auto insurance costs in Mount Vernon fall around $900 for six months.
The cheapest auto insurance company in Mount Vernon is New York Central Mutual Fire.
Teen drivers pay the highest rate in Mount Vernon at $1278 per month.

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Cheapest Minimum Liability Car Insurance in Mount Vernon

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 Mount Vernon are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Mount Vernon. Their Average 6 Month Premium is $425. Preferred Mutual is the most expensive at $1123 for the same period.

Cheapest Liability Coverage in Mount Vernon, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$425	$72
NYCM	$445	$75
Kemper	$523	$86
Progressive	$619	$104
American Family	$629	$106
USAA	$764	$129
Nationwide	$813	$135
Erie	$1027	$174
State Farm	$1192	$200
Travelers	$1278	$215
Allstate	$1337	$225
Utica National	$929	$158
Preferred Mutual	$1123	$187

Cheapest Full Coverage Car Insurance in Mount Vernon

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 Mount Vernon is Kemper at $153 per month and $900 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mount Vernon, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$900	$153
New York Central Mutual Fire	$1192	$199
Progressive	$1201	$202
American Family	$1394	$235
NYCM	$1462	$246
Erie	$1752	$292
Nationwide	$1762	$300
USAA	$1772	$298
State Farm	$2197	$370
Travelers	$2315	$390
Allstate	$2507	$422

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Average Car Insurance in Mount Vernon 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 Mount Vernon, NY increasing?

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

Car Insurance Premiums by Age in Mount Vernon

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	$918
30s	National Grange Mutual	$654
40s	National Grange Mutual	$629
50s	National Grange Mutual	$639
60s	National Grange Mutual	$688
70s	National Grange Mutual	$944

Cheapest Car Insurance Rates for Teen Drivers in Mount Vernon,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Mount Vernon at $101 per month. At $7591 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$610	$101
American Family	$735	$124
NYCM	$1229	$207
Progressive	$1946	$328
New York Central Mutual Fire	$2121	$354
USAA	$3892	$655
Nationwide	$5084	$848
Travelers	$6293	$1060
Allstate	$6807	$1146
State Farm	$7591	$1278

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 Mount Vernon.

As young drivers face the highest rates in Mount Vernon, National Grange Mutual offers the cheapest auto insurance rates at $918 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 Mount Vernon, Chubb is the cheapest car insurance provider. At $1307 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 Mount Vernon is Progressive, offering rates of around $8434 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1307	$218
Kemper	$1366	$231
Nationwide	$1762	$293
USAA	$2440	$416
NYCM	$2546	$424
Erie	$2760	$469
American Family	$3244	$541
Allstate	$3320	$559
State Farm	$3438	$579
Mercury	$4038	$686
Travelers	$4124	$694
Progressive	$8434	$1420

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Car Insurance Rates with An Accident in Mount Vernon

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

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Vernon

The cheapest car insurance companies after an at-fault accident in Mount Vernon include Kemper and American Family, offering $755 and $774, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $939.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$755	$126
American Family	$774	$130
NYCM	$939	$158
Erie	$1027	$174
Chubb	$1133	$189
Progressive	$1239	$209
New York Central Mutual Fire	$1433	$240
USAA	$1539	$259
Nationwide	$2315	$386
Allstate	$2334	$393
State Farm	$2818	$474
Travelers	$2866	$482
Utica National	$929	$158
Preferred Mutual	$939	$156

Mount Vernon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mount Vernon NY. For example, the car insurance in Mount Vernon after a DUI increases to $1163 for a six month policy. While the rate increases by $185 for a six-month policy in the case of a speeding ticket.

Mount Vernon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2042	$341
One Med/PIP claim	$2042	$347
One comp claim	$2062	$344
Two comp claims	$2082	$354
Two Med/PIP claims	$2082	$347
Not-at-fault accident	$2091	$355
Failure to show documents	$2121	$354
Failure to wear a seat belt	$2130	$362
Driving with expired registration	$2150	$359
At-fault accident - less than $1000	$2160	$367
Cell phone violation	$2160	$360
Child safety restraint	$2160	$367
Driving without lights	$2160	$360
Failure to stop at a red light	$2160	$367
Failure to yield	$2160	$360
Following too closely	$2160	$367
Illegal turn	$2160	$360
Improper passing	$2160	$367
Passing school bus	$2160	$360
Texting while driving	$2160	$367
Wrong way/wrong lane	$2160	$360
Driving too slowly	$2179	$370
Speeding in school zone	$2179	$363
At-fault accident - $1000-$2000	$2187	$372
Speeding 11 - 15 MPH over limit	$2227	$372
Speeding 6 - 10 MPH over limit	$2227	$378
Operating a vehicle without permission	$2266	$378
Open container	$2295	$390
In 65 MPH zone	$2391	$399
Speeding 16 - 20 MPH over limit	$2421	$412
Speeding 21 - 25 MPH over limit	$2507	$417
At-fault accident - greater than $2000	$2701	$460
Reckless driving	$2885	$481
Racing	$3001	$510
Driving with a suspended license	$3108	$518
Refusal to submit to a chemical test	$3175	$540
DUI	$3205	$535
Leaving scene of an accident/hit and run	$3253	$553

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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 Mount Vernon 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 Mount Vernon.

The cheapest car insurance premiums in Mount Vernon are offered by American Family at $735 for a six-month policy. However, it can be as expensive as $3283 with companies like State Farm.

Mount Vernon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$735	$124
Kemper	$774	$132
Progressive	$939	$158
NYCM	$1182	$199
New York Central Mutual Fire	$1742	$290
USAA	$1858	$313
Allstate	$2760	$465
Travelers	$2836	$478
Nationwide	$2875	$479
State Farm	$3283	$553

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 Mount Vernon are offered by American Family at $649. However, it can be as expensive as $3330 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Mount Vernon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$649	$111
Kemper	$649	$108
Progressive	$804	$135
NYCM	$1074	$179
USAA	$1462	$249
Nationwide	$2015	$336
State Farm	$2179	$370
Travelers	$3185	$531
Allstate	$3330	$566

Car Insurance Price Trends in Mount Vernon, New York

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

The average cost of full coverage in the Mount Vernon dipped by $403 in December compared to $404 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 Mount Vernon dipped to $139 in December, compared to $143 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 Mount Vernon?

The car insurance in Mount Vernon is $72 per month, which is lower than the national average.

What is the cheapest car insurance in Mount Vernon?

The cheapest car insurance in Mount Vernon is $153 per month for full coverage.

How much is car insurance in Mount Vernon for teenagers?

Car insurance for teenagers costs $610 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 Mount Vernon?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $282 per month to insure your car in Mount Vernon.

Is car insurance expensive in Mount Vernon?

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

Cheapest Car Insurance Quotes in Mount Vernon

Why you can trust Way?

How Much Is Car Insurance in Mount Vernon

Avg. Car Insurance in Mount Vernon

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Mount Vernon

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Mount Vernon Car Insurance Rates by Company

Cheap Car Insurance Companies in Mount Vernon, NY

Way's key takeaways about car insurance in Mount Vernon

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mount Vernon

Cheapest Liability Coverage in Mount Vernon, NY

Cheapest Full Coverage Car Insurance in Mount Vernon

Cheapest Full Coverage Car Insurance Quotes in Mount Vernon, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mount Vernon by Rating Factor

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

Car Insurance Premiums by Age in Mount Vernon

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mount Vernon,NY

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

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 Mount Vernon

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Vernon

Mount Vernon Car Insurance Rates by Violation

Mount Vernon auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mount Vernon after a DUI

Mount Vernon car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mount Vernon after Speeding ticket

Car Insurance Price Trends in Mount Vernon, New York

Average Car Insurance Cost in Mount Vernon by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mount Vernon, NY

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

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