Cheapest Car Insurance Quotes in New Cassel

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New Cassel Car Insurance

^$ 70

/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 New Cassel

The car insurance rate in New Cassel is $1636 for a six-month policy, which is $607 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $878, making it a popular choice for budget-conscious drivers. Rates in New Cassel 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 New Cassel

$1636

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in New Cassel

1st place: Kemper

At $878 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 $1162 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1172 for six months, making it the third cheapest auto insurance company in New Cassel.

New Cassel Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Cassel, NY is Kemper, offering policies at just $878 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1162.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2445 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Cassel drivers find the best deals.

Cheap Car Insurance Companies in New Cassel, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$878	$149
New York Central Mutual Fire	$1162	$194
Progressive	$1172	$197
American Family	$1359	$229
NYCM	$1426	$240
Erie	$1709	$285
Nationwide	$1719	$293
USAA	$1728	$291
State Farm	$2143	$361
Travelers	$2258	$380
Allstate	$2445	$412

Key Takeaways

Way's key takeaways about car insurance in New Cassel

The auto insurance costs in New Cassel fall around $878 for six months.
The cheapest auto insurance company in New Cassel is New York Central Mutual Fire.
Teen drivers pay the highest rate in New Cassel at $1247 per month.

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Cheapest Minimum Liability Car Insurance in New Cassel

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 New Cassel are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in New Cassel. Their Average 6 Month Premium is $415. Preferred Mutual is the most expensive at $1096 for the same period.

Cheapest Liability Coverage in New Cassel, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$415	$70
NYCM	$434	$73
Kemper	$510	$84
Progressive	$604	$102
American Family	$614	$103
USAA	$746	$126
Nationwide	$793	$132
Erie	$1002	$170
State Farm	$1162	$196
Travelers	$1247	$210
Allstate	$1304	$219
Utica National	$906	$154
Preferred Mutual	$1096	$183

Cheapest Full Coverage Car Insurance in New Cassel

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 New Cassel is Kemper at $149 per month and $878 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Cassel, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$878	$149
New York Central Mutual Fire	$1162	$194
Progressive	$1172	$197
American Family	$1359	$229
NYCM	$1426	$240
Erie	$1709	$285
Nationwide	$1719	$293
USAA	$1728	$291
State Farm	$2143	$361
Travelers	$2258	$380
Allstate	$2445	$412

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Average Car Insurance in New Cassel 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 New Cassel, NY increasing?

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

Car Insurance Premiums by Age in New Cassel

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	$895
30s	National Grange Mutual	$638
40s	National Grange Mutual	$614
50s	National Grange Mutual	$623
60s	National Grange Mutual	$671
70s	National Grange Mutual	$921

Cheapest Car Insurance Rates for Teen Drivers in New Cassel,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the New Cassel at $99 per month. At $7405 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$595	$99
American Family	$717	$121
NYCM	$1199	$202
Progressive	$1898	$320
New York Central Mutual Fire	$2069	$345
USAA	$3797	$639
Nationwide	$4959	$827
Travelers	$6139	$1034
Allstate	$6640	$1118
State Farm	$7405	$1247

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 New Cassel.

As young drivers face the highest rates in New Cassel, National Grange Mutual offers the cheapest auto insurance rates at $895 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 New Cassel, Chubb is the cheapest car insurance provider. At $1275 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 New Cassel is Progressive, offering rates of around $8227 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1275	$213
Kemper	$1332	$226
Nationwide	$1719	$286
USAA	$2380	$405
NYCM	$2484	$413
Erie	$2692	$458
American Family	$3164	$528
Allstate	$3239	$545
State Farm	$3353	$564
Mercury	$3938	$669
Travelers	$4023	$677
Progressive	$8227	$1385

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Car Insurance Rates with An Accident in New Cassel

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

Cheapest Car Insurance Companies after an At-Fault Accident in New Cassel

The cheapest car insurance companies after an at-fault accident in New Cassel include Kemper and American Family, offering $736 and $755, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $916.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$736	$122
American Family	$755	$127
NYCM	$916	$154
Erie	$1002	$170
Chubb	$1105	$184
Progressive	$1208	$204
New York Central Mutual Fire	$1398	$234
USAA	$1501	$253
Nationwide	$2258	$377
Allstate	$2277	$383
State Farm	$2749	$463
Travelers	$2795	$471
Utica National	$906	$154
Preferred Mutual	$916	$153

New Cassel Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Cassel NY. For example, the car insurance in New Cassel after a DUI increases to $1134 for a six month policy. While the rate increases by $180 for a six-month policy in the case of a speeding ticket.

New Cassel auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1992	$332
One Med/PIP claim	$1992	$339
One comp claim	$2011	$335
Two comp claims	$2030	$345
Two Med/PIP claims	$2030	$339
Not-at-fault accident	$2040	$347
Failure to show documents	$2069	$345
Failure to wear a seat belt	$2078	$353
Driving with expired registration	$2097	$350
At-fault accident - less than $1000	$2107	$358
Cell phone violation	$2107	$351
Child safety restraint	$2107	$358
Driving without lights	$2107	$351
Failure to stop at a red light	$2107	$358
Failure to yield	$2107	$351
Following too closely	$2107	$358
Illegal turn	$2107	$351
Improper passing	$2107	$358
Passing school bus	$2107	$351
Texting while driving	$2107	$358
Wrong way/wrong lane	$2107	$351
Driving too slowly	$2126	$361
Speeding in school zone	$2126	$355
At-fault accident - $1000-$2000	$2134	$363
Speeding 11 - 15 MPH over limit	$2172	$363
Speeding 6 - 10 MPH over limit	$2172	$369
Operating a vehicle without permission	$2210	$369
Open container	$2239	$380
In 65 MPH zone	$2333	$390
Speeding 16 - 20 MPH over limit	$2361	$402
Speeding 21 - 25 MPH over limit	$2445	$407
At-fault accident - greater than $2000	$2635	$448
Reckless driving	$2814	$469
Racing	$2927	$498
Driving with a suspended license	$3032	$506
Refusal to submit to a chemical test	$3097	$526
DUI	$3126	$522
Leaving scene of an accident/hit and run	$3174	$539

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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 New Cassel 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 New Cassel.

The cheapest car insurance premiums in New Cassel are offered by American Family at $717 for a six-month policy. However, it can be as expensive as $3202 with companies like State Farm.

New Cassel car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$717	$121
Kemper	$755	$129
Progressive	$916	$154
NYCM	$1153	$194
New York Central Mutual Fire	$1700	$283
USAA	$1813	$305
Allstate	$2692	$453
Travelers	$2767	$466
Nationwide	$2805	$467
State Farm	$3202	$539

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 New Cassel are offered by American Family at $633. However, it can be as expensive as $3248 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in New Cassel after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$633	$108
Kemper	$633	$105
Progressive	$784	$132
NYCM	$1048	$175
USAA	$1426	$243
Nationwide	$1965	$328
State Farm	$2126	$361
Travelers	$3107	$518
Allstate	$3248	$552

Car Insurance Price Trends in New Cassel, New York

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

The average cost of full coverage in the New Cassel dipped by $393 in December compared to $394 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 New Cassel dipped to $135 in December, compared to $140 in November. This represents an decrease of $5 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in New Cassel?

The car insurance in New Cassel is $70 per month, which is lower than the national average.

What is the cheapest car insurance in New Cassel?

The cheapest car insurance in New Cassel is $149 per month for full coverage.

How much is car insurance in New Cassel for teenagers?

Car insurance for teenagers costs $595 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 New Cassel?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $275 per month to insure your car in New Cassel.

Is car insurance expensive in New Cassel?

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

Cheapest Car Insurance Quotes in New Cassel

Why you can trust Way?

How Much Is Car Insurance in New Cassel

Avg. Car Insurance in New Cassel

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in New Cassel

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

New Cassel Car Insurance Rates by Company

Cheap Car Insurance Companies in New Cassel, NY

Way's key takeaways about car insurance in New Cassel

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in New Cassel

Cheapest Liability Coverage in New Cassel, NY

Cheapest Full Coverage Car Insurance in New Cassel

Cheapest Full Coverage Car Insurance Quotes in New Cassel, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in New Cassel by Rating Factor

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

Car Insurance Premiums by Age in New Cassel

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in New Cassel,NY

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

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 New Cassel

Cheapest Car Insurance Companies after an At-Fault Accident in New Cassel

New Cassel Car Insurance Rates by Violation

New Cassel auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in New Cassel after a DUI

New Cassel car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in New Cassel after Speeding ticket

Car Insurance Price Trends in New Cassel, New York

Average Car Insurance Cost in New Cassel by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near New Cassel, NY

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

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