Cheapest Car Insurance Quotes in New City

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New City Car Insurance

^$ 57

/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 City

The car insurance rate in New City is $1327 for a six-month policy, which is $298 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $712, making it a popular choice for budget-conscious drivers. Rates in New City 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 City

$1327

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in New City

1st place: Kemper

At $712 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 $943 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $951 for six months, making it the third cheapest auto insurance company in New City.

New City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New City, NY is Kemper, offering policies at just $712 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $943.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1984 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New City drivers find the best deals.

Cheap Car Insurance Companies in New City, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$712	$121
New York Central Mutual Fire	$943	$157
Progressive	$951	$160
American Family	$1103	$186
NYCM	$1157	$195
Erie	$1387	$231
Nationwide	$1394	$237
USAA	$1402	$236
State Farm	$1739	$293
Travelers	$1832	$308
Allstate	$1984	$334

Key Takeaways

Way's key takeaways about car insurance in New City

The auto insurance costs in New City fall around $712 for six months.
The cheapest auto insurance company in New City is New York Central Mutual Fire.
Teen drivers pay the highest rate in New City at $1011 per month.

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Cheapest Minimum Liability Car Insurance in New City

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 City are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in New City. Their Average 6 Month Premium is $337. Preferred Mutual is the most expensive at $889 for the same period.

Cheapest Liability Coverage in New City, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$337	$57
NYCM	$352	$59
Kemper	$414	$68
Progressive	$490	$83
American Family	$498	$84
USAA	$605	$102
Nationwide	$644	$107
Erie	$813	$138
State Farm	$943	$159
Travelers	$1011	$170
Allstate	$1058	$178
Utica National	$735	$125
Preferred Mutual	$889	$148

Cheapest Full Coverage Car Insurance in New City

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 City is Kemper at $121 per month and $712 for six months.

Cheapest Full Coverage Car Insurance Quotes in New City, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$712	$121
New York Central Mutual Fire	$943	$157
Progressive	$951	$160
American Family	$1103	$186
NYCM	$1157	$195
Erie	$1387	$231
Nationwide	$1394	$237
USAA	$1402	$236
State Farm	$1739	$293
Travelers	$1832	$308
Allstate	$1984	$334

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Average Car Insurance in New City 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 City, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in New City, 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 City'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 City

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	$726
30s	National Grange Mutual	$517
40s	National Grange Mutual	$498
50s	National Grange Mutual	$506
60s	National Grange Mutual	$544
70s	National Grange Mutual	$747

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

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the New City at $80 per month. At $6008 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$482	$80
American Family	$582	$98
NYCM	$973	$164
Progressive	$1540	$259
New York Central Mutual Fire	$1678	$280
USAA	$3081	$519
Nationwide	$4024	$671
Travelers	$4981	$839
Allstate	$5387	$907
State Farm	$6008	$1011

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 City.

As young drivers face the highest rates in New City, National Grange Mutual offers the cheapest auto insurance rates at $726 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 City, Chubb is the cheapest car insurance provider. At $1035 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 City is Progressive, offering rates of around $6674 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1035	$173
Kemper	$1081	$183
Nationwide	$1394	$232
USAA	$1931	$329
NYCM	$2015	$335
Erie	$2184	$372
American Family	$2567	$428
Allstate	$2628	$442
State Farm	$2721	$458
Mercury	$3195	$543
Travelers	$3264	$550
Progressive	$6674	$1124

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Car Insurance Rates with An Accident in New City

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

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

The cheapest car insurance companies after an at-fault accident in New City include Kemper and American Family, offering $597 and $613, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $743.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$597	$99
American Family	$613	$103
NYCM	$743	$125
Erie	$813	$138
Chubb	$897	$150
Progressive	$980	$165
New York Central Mutual Fire	$1134	$190
USAA	$1218	$205
Nationwide	$1832	$306
Allstate	$1847	$311
State Farm	$2230	$375
Travelers	$2268	$382
Utica National	$735	$125
Preferred Mutual	$743	$124

New City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New City NY. For example, the car insurance in New City after a DUI increases to $920 for a six month policy. While the rate increases by $146 for a six-month policy in the case of a speeding ticket.

New City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1616	$270
One Med/PIP claim	$1616	$275
One comp claim	$1632	$272
Two comp claims	$1647	$280
Two Med/PIP claims	$1647	$275
Not-at-fault accident	$1655	$281
Failure to show documents	$1678	$280
Failure to wear a seat belt	$1686	$286
Driving with expired registration	$1702	$284
At-fault accident - less than $1000	$1709	$290
Cell phone violation	$1709	$285
Child safety restraint	$1709	$290
Driving without lights	$1709	$285
Failure to stop at a red light	$1709	$290
Failure to yield	$1709	$285
Following too closely	$1709	$290
Illegal turn	$1709	$285
Improper passing	$1709	$290
Passing school bus	$1709	$285
Texting while driving	$1709	$290
Wrong way/wrong lane	$1709	$285
Driving too slowly	$1725	$293
Speeding in school zone	$1725	$288
At-fault accident - $1000-$2000	$1731	$294
Speeding 11 - 15 MPH over limit	$1762	$294
Speeding 6 - 10 MPH over limit	$1762	$299
Operating a vehicle without permission	$1793	$299
Open container	$1816	$308
In 65 MPH zone	$1892	$316
Speeding 16 - 20 MPH over limit	$1916	$326
Speeding 21 - 25 MPH over limit	$1984	$330
At-fault accident - greater than $2000	$2138	$364
Reckless driving	$2283	$381
Racing	$2375	$404
Driving with a suspended license	$2460	$410
Refusal to submit to a chemical test	$2513	$427
DUI	$2536	$423
Leaving scene of an accident/hit and run	$2575	$437

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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 City 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 City.

The cheapest car insurance premiums in New City are offered by American Family at $582 for a six-month policy. However, it can be as expensive as $2598 with companies like State Farm.

New City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$582	$98
Kemper	$613	$104
Progressive	$743	$125
NYCM	$935	$157
New York Central Mutual Fire	$1379	$230
USAA	$1471	$248
Allstate	$2184	$368
Travelers	$2245	$378
Nationwide	$2276	$379
State Farm	$2598	$437

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 City are offered by American Family at $513. However, it can be as expensive as $2635 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in New City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$513	$88
Kemper	$513	$85
Progressive	$636	$107
NYCM	$850	$142
USAA	$1157	$197
Nationwide	$1594	$266
State Farm	$1725	$293
Travelers	$2521	$421
Allstate	$2635	$448

Car Insurance Price Trends in New City, New York

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

The average cost of full coverage in the New City dipped by $319 in December compared to $320 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 City dipped to $110 in December, compared to $114 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 New City?

The car insurance in New City is $57 per month, which is lower than the national average.

What is the cheapest car insurance in New City?

The cheapest car insurance in New City is $121 per month for full coverage.

How much is car insurance in New City for teenagers?

Car insurance for teenagers costs $482 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 City?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $223 per month to insure your car in New City.

Is car insurance expensive in New City?

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

Cheapest Car Insurance Quotes in New City

Why you can trust Way?

How Much Is Car Insurance in New City

Avg. Car Insurance in New City

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in New City

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

New City Car Insurance Rates by Company

Cheap Car Insurance Companies in New City, NY

Way's key takeaways about car insurance in New City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in New City

Cheapest Liability Coverage in New City, NY

Cheapest Full Coverage Car Insurance in New City

Cheapest Full Coverage Car Insurance Quotes in New City, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in New City by Rating Factor

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

Car Insurance Premiums by Age in New City

Cheapest Car Insurance Companies Based on Age Group

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

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

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 City

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

New City Car Insurance Rates by Violation

New City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in New City after a DUI

New City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in New City after Speeding ticket

Car Insurance Price Trends in New City, New York

Average Car Insurance Cost in New City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near New City, NY

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

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