Cheapest Car Insurance Quotes in Munsey Park

Finding the cheapest car insurance quotes in Munsey Park 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

Munsey Park Car Insurance

^$ 69

/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 Munsey Park

The car insurance rate in Munsey Park is $1605 for a six-month policy, which is $576 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $861, making it a popular choice for budget-conscious drivers. Rates in Munsey Park 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 Munsey Park

$1605

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Munsey Park

1st place: Kemper

At $861 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 $1140 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1150 for six months, making it the third cheapest auto insurance company in Munsey Park.

Munsey Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Munsey Park, NY is Kemper, offering policies at just $861 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1140.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2399 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Munsey Park drivers find the best deals.

Cheap Car Insurance Companies in Munsey Park, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$861	$147
New York Central Mutual Fire	$1140	$190
Progressive	$1150	$193
American Family	$1334	$225
NYCM	$1399	$236
Erie	$1677	$279
Nationwide	$1686	$287
USAA	$1696	$285
State Farm	$2103	$354
Travelers	$2215	$373
Allstate	$2399	$404

Key Takeaways

Way's key takeaways about car insurance in Munsey Park

The auto insurance costs in Munsey Park fall around $861 for six months.
The cheapest auto insurance company in Munsey Park is New York Central Mutual Fire.
Teen drivers pay the highest rate in Munsey Park at $1223 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 Munsey Park

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 Munsey Park are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Munsey Park. Their Average 6 Month Premium is $407. Preferred Mutual is the most expensive at $1075 for the same period.

Cheapest Liability Coverage in Munsey Park, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$407	$69
NYCM	$426	$72
Kemper	$501	$83
Progressive	$593	$100
American Family	$602	$101
USAA	$732	$123
Nationwide	$778	$129
Erie	$983	$167
State Farm	$1140	$192
Travelers	$1223	$206
Allstate	$1279	$215
Utica National	$889	$151
Preferred Mutual	$1075	$179

Cheapest Full Coverage Car Insurance in Munsey Park

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 Munsey Park is Kemper at $147 per month and $861 for six months.

Cheapest Full Coverage Car Insurance Quotes in Munsey Park, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$861	$147
New York Central Mutual Fire	$1140	$190
Progressive	$1150	$193
American Family	$1334	$225
NYCM	$1399	$236
Erie	$1677	$279
Nationwide	$1686	$287
USAA	$1696	$285
State Farm	$2103	$354
Travelers	$2215	$373
Allstate	$2399	$404

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Munsey Park Instantly!

Average Car Insurance in Munsey Park 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 Munsey Park, NY increasing?

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

Car Insurance Premiums by Age in Munsey Park

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	$878
30s	National Grange Mutual	$626
40s	National Grange Mutual	$602
50s	National Grange Mutual	$612
60s	National Grange Mutual	$658
70s	National Grange Mutual	$903

Cheapest Car Insurance Rates for Teen Drivers in Munsey Park,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Munsey Park at $97 per month. At $7265 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$583	$97
American Family	$704	$119
NYCM	$1176	$198
Progressive	$1863	$314
New York Central Mutual Fire	$2030	$339
USAA	$3725	$627
Nationwide	$4866	$811
Travelers	$6023	$1014
Allstate	$6515	$1097
State Farm	$7265	$1223

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 Munsey Park.

As young drivers face the highest rates in Munsey Park, National Grange Mutual offers the cheapest auto insurance rates at $878 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 Munsey Park, Chubb is the cheapest car insurance provider. At $1251 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 Munsey Park is Progressive, offering rates of around $8071 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1251	$209
Kemper	$1307	$222
Nationwide	$1686	$281
USAA	$2335	$398
NYCM	$2437	$406
Erie	$2641	$449
American Family	$3104	$518
Allstate	$3178	$535
State Farm	$3290	$554
Mercury	$3864	$657
Travelers	$3947	$665
Progressive	$8071	$1359

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Munsey Park

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

Cheapest Car Insurance Companies after an At-Fault Accident in Munsey Park

The cheapest car insurance companies after an at-fault accident in Munsey Park include Kemper and American Family, offering $722 and $741, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $899.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$722	$120
American Family	$741	$125
NYCM	$899	$151
Erie	$983	$167
Chubb	$1084	$181
Progressive	$1186	$200
New York Central Mutual Fire	$1371	$229
USAA	$1473	$248
Nationwide	$2215	$370
Allstate	$2234	$376
State Farm	$2697	$454
Travelers	$2742	$462
Utica National	$889	$151
Preferred Mutual	$899	$150

Munsey Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Munsey Park NY. For example, the car insurance in Munsey Park after a DUI increases to $1112 for a six month policy. While the rate increases by $176 for a six-month policy in the case of a speeding ticket.

Munsey Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1955	$326
One Med/PIP claim	$1955	$332
One comp claim	$1973	$329
Two comp claims	$1992	$339
Two Med/PIP claims	$1992	$332
Not-at-fault accident	$2001	$340
Failure to show documents	$2030	$339
Failure to wear a seat belt	$2039	$346
Driving with expired registration	$2058	$343
At-fault accident - less than $1000	$2067	$351
Cell phone violation	$2067	$345
Child safety restraint	$2067	$351
Driving without lights	$2067	$345
Failure to stop at a red light	$2067	$351
Failure to yield	$2067	$345
Following too closely	$2067	$351
Illegal turn	$2067	$345
Improper passing	$2067	$351
Passing school bus	$2067	$345
Texting while driving	$2067	$351
Wrong way/wrong lane	$2067	$345
Driving too slowly	$2086	$354
Speeding in school zone	$2086	$348
At-fault accident - $1000-$2000	$2094	$356
Speeding 11 - 15 MPH over limit	$2131	$356
Speeding 6 - 10 MPH over limit	$2131	$362
Operating a vehicle without permission	$2168	$362
Open container	$2196	$373
In 65 MPH zone	$2289	$382
Speeding 16 - 20 MPH over limit	$2317	$395
Speeding 21 - 25 MPH over limit	$2399	$399
At-fault accident - greater than $2000	$2585	$440
Reckless driving	$2761	$460
Racing	$2872	$488
Driving with a suspended license	$2975	$496
Refusal to submit to a chemical test	$3039	$516
DUI	$3067	$512
Leaving scene of an accident/hit and run	$3114	$529

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 Munsey Park 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 Munsey Park.

The cheapest car insurance premiums in Munsey Park are offered by American Family at $704 for a six-month policy. However, it can be as expensive as $3142 with companies like State Farm.

Munsey Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$704	$119
Kemper	$741	$126
Progressive	$899	$151
NYCM	$1131	$190
New York Central Mutual Fire	$1668	$278
USAA	$1778	$300
Allstate	$2641	$445
Travelers	$2714	$457
Nationwide	$2752	$459
State Farm	$3142	$529

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 Munsey Park are offered by American Family at $621. However, it can be as expensive as $3187 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Munsey Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$621	$106
Kemper	$621	$103
Progressive	$769	$129
NYCM	$1028	$172
USAA	$1399	$239
Nationwide	$1928	$321
State Farm	$2086	$354
Travelers	$3048	$509
Allstate	$3187	$541

Car Insurance Price Trends in Munsey Park, New York

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

The average cost of full coverage in the Munsey Park dipped by $385 in December compared to $387 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 Munsey Park dipped to $133 in December, compared to $137 in November. This represents an decrease of $4 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 Munsey Park?

The car insurance in Munsey Park is $69 per month, which is lower than the national average.

What is the cheapest car insurance in Munsey Park?

The cheapest car insurance in Munsey Park is $147 per month for full coverage.

How much is car insurance in Munsey Park for teenagers?

Car insurance for teenagers costs $583 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 Munsey Park?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $270 per month to insure your car in Munsey Park.

Is car insurance expensive in Munsey Park?

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

Cheapest Car Insurance Quotes in Munsey Park

Why you can trust Way?

How Much Is Car Insurance in Munsey Park

Avg. Car Insurance in Munsey Park

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Munsey Park

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Munsey Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Munsey Park, NY

Way's key takeaways about car insurance in Munsey Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Munsey Park

Cheapest Liability Coverage in Munsey Park, NY

Cheapest Full Coverage Car Insurance in Munsey Park

Cheapest Full Coverage Car Insurance Quotes in Munsey Park, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Munsey Park by Rating Factor

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

Car Insurance Premiums by Age in Munsey Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Munsey Park,NY

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

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 Munsey Park

Cheapest Car Insurance Companies after an At-Fault Accident in Munsey Park

Munsey Park Car Insurance Rates by Violation

Munsey Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Munsey Park after a DUI

Munsey Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Munsey Park after Speeding ticket

Car Insurance Price Trends in Munsey Park, New York

Average Car Insurance Cost in Munsey Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Munsey Park, NY

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

Featured Blogs

Data Sources