Cheapest Car Insurance Quotes in Mount Vernon

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Mount Vernon Car Insurance

^$ 73

/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 $1911 for a six-month policy, which is $753 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $911, 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

$1911

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Mount Vernon

1st place: Kemper

At $911 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 $1206 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1284 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 $911 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1206.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $2930 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	$911	$155
New York Central Mutual Fire	$1206	$201
Progressive	$1284	$216
American Family	$1411	$238
NYCM	$1706	$287
USAA	$1891	$318
Erie	$1931	$325
Nationwide	$2107	$351
Travelers	$2147	$361
State Farm	$2558	$431
Allstate	$2861	$482
Chubb	$2930	$488

Key Takeaways

Way's key takeaways about car insurance in Mount Vernon

The auto insurance costs in Mount Vernon fall around $911 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 $1473 per month.

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Save up to $971/yr with our auto insurance quotes

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 $431. Preferred Mutual is the most expensive at $1137 for the same period.

Cheapest Liability Coverage in Mount Vernon, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$431	$73
NYCM	$510	$84
Kemper	$530	$91
American Family	$637	$107
Progressive	$657	$111
USAA	$843	$142
Erie	$1040	$177
Travelers	$1117	$186
Allstate	$1196	$203
State Farm	$1274	$213
Nationwide	$823	$137
Utica National	$941	$160
Preferred Mutual	$1137	$190

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 $155 per month and $911 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mount Vernon, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$911	$155
New York Central Mutual Fire	$1206	$201
Progressive	$1284	$216
American Family	$1411	$238
NYCM	$1706	$287
USAA	$1891	$318
Erie	$1931	$325
Nationwide	$2107	$351
Travelers	$2147	$361
State Farm	$2558	$431
Allstate	$2861	$482
Chubb	$2930	$488

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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

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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 $106 per month. At $8752 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$617	$106
American Family	$744	$125
NYCM	$1647	$277
Progressive	$2030	$342
New York Central Mutual Fire	$2147	$365
Erie	$4127	$688
USAA	$4538	$764
Travelers	$5968	$1005
Nationwide	$6214	$1056
Chubb	$6508	$1084
Allstate	$7488	$1261
State Farm	$8752	$1473

Teen Car Insurance Rates in NY by Age

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, Kemper is the cheapest car insurance provider. At $1383 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 $8281 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1383	$231
Nationwide	$2107	$358
Chubb	$2500	$421
USAA	$3038	$516
Erie	$3234	$545
American Family	$3284	$558
NYCM	$3676	$612
Allstate	$4008	$675
Mercury	$4087	$681
State Farm	$4224	$711
Travelers	$4891	$823
Progressive	$8281	$1394

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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 $764 and $784, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $950.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$764	$127
American Family	$784	$132
Progressive	$1206	$203
NYCM	$1226	$206
New York Central Mutual Fire	$1450	$243
USAA	$1647	$277
Erie	$2107	$355
Chubb	$2391	$403
Allstate	$2577	$434
Travelers	$2657	$447
Nationwide	$2784	$464
State Farm	$3254	$548
Utica National	$941	$160
Preferred Mutual	$950	$158

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 $1177 for a six month policy. While the rate increases by $187 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	$2067	$345
One Med/PIP claim	$2067	$351
One comp claim	$2087	$348
Two comp claims	$2107	$358
Two Med/PIP claims	$2107	$351
Not-at-fault accident	$2117	$360
Failure to show documents	$2147	$358
Failure to wear a seat belt	$2157	$366
Driving with expired registration	$2176	$363
At-fault accident - less than $1000	$2186	$371
Cell phone violation	$2186	$365
Child safety restraint	$2186	$371
Driving without lights	$2186	$365
Failure to stop at a red light	$2186	$371
Failure to yield	$2186	$365
Following too closely	$2186	$371
Illegal turn	$2186	$365
Improper passing	$2186	$371
Passing school bus	$2186	$365
Texting while driving	$2186	$371
Wrong way/wrong lane	$2186	$365
Driving too slowly	$2206	$375
Speeding in school zone	$2206	$368
At-fault accident - $1000-$2000	$2214	$376
Speeding 11 - 15 MPH over limit	$2254	$376
Speeding 6 - 10 MPH over limit	$2254	$383
Operating a vehicle without permission	$2294	$383
Open container	$2323	$394
In 65 MPH zone	$2421	$404
Speeding 16 - 20 MPH over limit	$2450	$417
Speeding 21 - 25 MPH over limit	$2538	$422
At-fault accident - greater than $2000	$2734	$465
Reckless driving	$2921	$487
Racing	$3038	$516
Driving with a suspended license	$3147	$525
Refusal to submit to a chemical test	$3214	$546
DUI	$3244	$541
Leaving scene of an accident/hit and run	$3293	$559

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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 $744 for a six-month policy. However, it can be as expensive as $3676 with companies like Chubb.

Mount Vernon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$744	$125
Kemper	$784	$134
Progressive	$1010	$170
NYCM	$1530	$257
New York Central Mutual Fire	$1764	$294
USAA	$2010	$338
Travelers	$2627	$442
Allstate	$3107	$523
Erie	$3204	$535
Nationwide	$3480	$592
State Farm	$3656	$615
Chubb	$3676	$625

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 $657. However, it can be as expensive as $4184 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	$657	$109
Kemper	$657	$112
Progressive	$950	$160
NYCM	$1539	$262
USAA	$1784	$297
Erie	$2087	$355
Nationwide	$2107	$351
Travelers	$2430	$413
State Farm	$2940	$490
Chubb	$3480	$592
Allstate	$4184	$698

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 rose by $454 in January compared to $408 of December. In other words, there has been an increase by $46 when you compare January and December.

The average cost of liability insurance in the Mount Vernon dipped to $132 in January, compared to $140 in December. This represents an decrease of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Mount Vernon?

The car insurance in Mount Vernon is $73 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 $155 per month for full coverage.

How much is car insurance in Mount Vernon for teenagers?

Car insurance for teenagers costs $617 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 $1158 for a six-month policy. It will cost around $320 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 N/A 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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