Cheapest Car Insurance Quotes in Nedrow

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Nedrow Car Insurance

^$ 38

/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 Nedrow

The car insurance rate in Nedrow is $885 for a six-month policy, which is $144 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $475, making it a popular choice for budget-conscious drivers. Rates in Nedrow 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 Nedrow

$885

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Nedrow

1st place: Kemper

At $475 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 $629 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $634 for six months, making it the third cheapest auto insurance company in Nedrow.

Nedrow Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Nedrow, NY is Kemper, offering policies at just $475 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $629.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1323 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Nedrow drivers find the best deals.

Cheap Car Insurance Companies in Nedrow, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$475	$81
New York Central Mutual Fire	$629	$105
Progressive	$634	$107
American Family	$735	$124
NYCM	$771	$130
Erie	$925	$154
Nationwide	$930	$158
USAA	$935	$157
State Farm	$1159	$195
Travelers	$1221	$206
Allstate	$1323	$223

Key Takeaways

Way's key takeaways about car insurance in Nedrow

The auto insurance costs in Nedrow fall around $475 for six months.
The cheapest auto insurance company in Nedrow is New York Central Mutual Fire.
Teen drivers pay the highest rate in Nedrow at $674 per month.

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Cheapest Minimum Liability Car Insurance in Nedrow

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 Nedrow are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Nedrow. Their Average 6 Month Premium is $224. Preferred Mutual is the most expensive at $593 for the same period.

Cheapest Liability Coverage in Nedrow, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$224	$38
NYCM	$235	$40
Kemper	$276	$46
Progressive	$327	$55
American Family	$332	$56
USAA	$403	$68
Nationwide	$429	$71
Erie	$542	$92
State Farm	$629	$106
Travelers	$674	$114
Allstate	$705	$119
Utica National	$490	$83
Preferred Mutual	$593	$99

Cheapest Full Coverage Car Insurance in Nedrow

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 Nedrow is Kemper at $81 per month and $475 for six months.

Cheapest Full Coverage Car Insurance Quotes in Nedrow, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$475	$81
New York Central Mutual Fire	$629	$105
Progressive	$634	$107
American Family	$735	$124
NYCM	$771	$130
Erie	$925	$154
Nationwide	$930	$158
USAA	$935	$157
State Farm	$1159	$195
Travelers	$1221	$206
Allstate	$1323	$223

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Average Car Insurance in Nedrow 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 Nedrow, NY increasing?

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

Car Insurance Premiums by Age in Nedrow

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	$484
30s	National Grange Mutual	$345
40s	National Grange Mutual	$332
50s	National Grange Mutual	$337
60s	National Grange Mutual	$363
70s	National Grange Mutual	$498

Cheapest Car Insurance Rates for Teen Drivers in Nedrow,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Nedrow at $53 per month. At $4005 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$322	$53
American Family	$388	$65
NYCM	$648	$109
Progressive	$1027	$173
New York Central Mutual Fire	$1119	$187
USAA	$2054	$346
Nationwide	$2682	$447
Travelers	$3320	$559
Allstate	$3591	$605
State Farm	$4005	$674

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 Nedrow.

As young drivers face the highest rates in Nedrow, National Grange Mutual offers the cheapest auto insurance rates at $484 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 Nedrow, Chubb is the cheapest car insurance provider. At $690 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 Nedrow is Progressive, offering rates of around $4450 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$690	$115
Kemper	$721	$122
Nationwide	$930	$155
USAA	$1287	$219
NYCM	$1343	$224
Erie	$1456	$248
American Family	$1711	$286
Allstate	$1752	$295
State Farm	$1814	$305
Mercury	$2130	$362
Travelers	$2176	$366
Progressive	$4450	$749

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Car Insurance Rates with An Accident in Nedrow

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

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

The cheapest car insurance companies after an at-fault accident in Nedrow include Kemper and American Family, offering $398 and $409, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $495.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$398	$66
American Family	$409	$69
NYCM	$495	$83
Erie	$542	$92
Chubb	$598	$100
Progressive	$654	$110
New York Central Mutual Fire	$756	$126
USAA	$812	$137
Nationwide	$1221	$204
Allstate	$1232	$207
State Farm	$1487	$250
Travelers	$1512	$255
Utica National	$490	$83
Preferred Mutual	$495	$83

Nedrow Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Nedrow NY. For example, the car insurance in Nedrow after a DUI increases to $613 for a six month policy. While the rate increases by $97 for a six-month policy in the case of a speeding ticket.

Nedrow auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1078	$180
One Med/PIP claim	$1078	$183
One comp claim	$1088	$181
Two comp claims	$1098	$187
Two Med/PIP claims	$1098	$183
Not-at-fault accident	$1103	$187
Failure to show documents	$1119	$187
Failure to wear a seat belt	$1124	$191
Driving with expired registration	$1134	$189
At-fault accident - less than $1000	$1140	$194
Cell phone violation	$1140	$190
Child safety restraint	$1140	$194
Driving without lights	$1140	$190
Failure to stop at a red light	$1140	$194
Failure to yield	$1140	$190
Following too closely	$1140	$194
Illegal turn	$1140	$190
Improper passing	$1140	$194
Passing school bus	$1140	$190
Texting while driving	$1140	$194
Wrong way/wrong lane	$1140	$190
Driving too slowly	$1150	$195
Speeding in school zone	$1150	$192
At-fault accident - $1000-$2000	$1154	$196
Speeding 11 - 15 MPH over limit	$1175	$196
Speeding 6 - 10 MPH over limit	$1175	$200
Operating a vehicle without permission	$1195	$200
Open container	$1211	$206
In 65 MPH zone	$1262	$211
Speeding 16 - 20 MPH over limit	$1277	$218
Speeding 21 - 25 MPH over limit	$1323	$220
At-fault accident - greater than $2000	$1425	$243
Reckless driving	$1522	$254
Racing	$1583	$269
Driving with a suspended license	$1640	$273
Refusal to submit to a chemical test	$1675	$285
DUI	$1691	$282
Leaving scene of an accident/hit and run	$1717	$292

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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 Nedrow 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 Nedrow.

The cheapest car insurance premiums in Nedrow are offered by American Family at $388 for a six-month policy. However, it can be as expensive as $1732 with companies like State Farm.

Nedrow car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$388	$65
Kemper	$409	$70
Progressive	$495	$83
NYCM	$624	$105
New York Central Mutual Fire	$919	$153
USAA	$980	$165
Allstate	$1456	$245
Travelers	$1496	$252
Nationwide	$1517	$253
State Farm	$1732	$292

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 Nedrow are offered by American Family at $342. However, it can be as expensive as $1757 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Nedrow after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$342	$58
Kemper	$342	$57
Progressive	$424	$71
NYCM	$567	$95
USAA	$771	$132
Nationwide	$1063	$177
State Farm	$1150	$195
Travelers	$1680	$280
Allstate	$1757	$298

Car Insurance Price Trends in Nedrow, New York

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

The average cost of full coverage in the Nedrow dipped by $212 in December compared to $213 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 Nedrow dipped to $73 in December, compared to $76 in November. This represents an decrease of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Nedrow?

The car insurance in Nedrow is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Nedrow?

The cheapest car insurance in Nedrow is $81 per month for full coverage.

How much is car insurance in Nedrow for teenagers?

Car insurance for teenagers costs $322 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 Nedrow?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $149 per month to insure your car in Nedrow.

Is car insurance expensive in Nedrow?

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

Cheapest Car Insurance Quotes in Nedrow

Why you can trust Way?

How Much Is Car Insurance in Nedrow

Avg. Car Insurance in Nedrow

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Nedrow

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Nedrow Car Insurance Rates by Company

Cheap Car Insurance Companies in Nedrow, NY

Way's key takeaways about car insurance in Nedrow

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Nedrow

Cheapest Liability Coverage in Nedrow, NY

Cheapest Full Coverage Car Insurance in Nedrow

Cheapest Full Coverage Car Insurance Quotes in Nedrow, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Nedrow by Rating Factor

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

Car Insurance Premiums by Age in Nedrow

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Nedrow,NY

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

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 Nedrow

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

Nedrow Car Insurance Rates by Violation

Nedrow auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Nedrow after a DUI

Nedrow car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Nedrow after Speeding ticket

Car Insurance Price Trends in Nedrow, New York

Average Car Insurance Cost in Nedrow by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Nedrow, NY

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

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