Cheapest Car Insurance Quotes in New Square

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New Square Car Insurance

^$ 58

/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 Square

The car insurance rate in New Square is $1358 for a six-month policy, which is $329 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $729, making it a popular choice for budget-conscious drivers. Rates in New Square 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 Square

$1358

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in New Square

1st place: Kemper

At $729 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 $965 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $973 for six months, making it the third cheapest auto insurance company in New Square.

New Square Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Square, NY is Kemper, offering policies at just $729 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $965.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2030 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Square drivers find the best deals.

Cheap Car Insurance Companies in New Square, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$729	$124
New York Central Mutual Fire	$965	$161
Progressive	$973	$164
American Family	$1129	$190
NYCM	$1184	$199
Erie	$1419	$236
Nationwide	$1427	$243
USAA	$1435	$242
State Farm	$1779	$300
Travelers	$1874	$315
Allstate	$2030	$342

Key Takeaways

Way's key takeaways about car insurance in New Square

The auto insurance costs in New Square fall around $729 for six months.
The cheapest auto insurance company in New Square is New York Central Mutual Fire.
Teen drivers pay the highest rate in New Square at $1035 per month.

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Cheapest Minimum Liability Car Insurance in New Square

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 Square are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in New Square. Their Average 6 Month Premium is $345. Preferred Mutual is the most expensive at $909 for the same period.

Cheapest Liability Coverage in New Square, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$345	$58
NYCM	$360	$61
Kemper	$424	$70
Progressive	$502	$84
American Family	$510	$86
USAA	$619	$104
Nationwide	$659	$110
Erie	$832	$141
State Farm	$965	$162
Travelers	$1035	$174
Allstate	$1082	$182
Utica National	$752	$128
Preferred Mutual	$909	$152

Cheapest Full Coverage Car Insurance in New Square

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 Square is Kemper at $124 per month and $729 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Square, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$729	$124
New York Central Mutual Fire	$965	$161
Progressive	$973	$164
American Family	$1129	$190
NYCM	$1184	$199
Erie	$1419	$236
Nationwide	$1427	$243
USAA	$1435	$242
State Farm	$1779	$300
Travelers	$1874	$315
Allstate	$2030	$342

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Average Car Insurance in New Square 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 Square, NY increasing?

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

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	$743
30s	National Grange Mutual	$529
40s	National Grange Mutual	$510
50s	National Grange Mutual	$517
60s	National Grange Mutual	$557
70s	National Grange Mutual	$764

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

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the New Square at $82 per month. At $6147 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$494	$82
American Family	$595	$100
NYCM	$995	$168
Progressive	$1576	$265
New York Central Mutual Fire	$1717	$286
USAA	$3152	$531
Nationwide	$4117	$686
Travelers	$5097	$858
Allstate	$5512	$928
State Farm	$6147	$1035

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 Square.

As young drivers face the highest rates in New Square, National Grange Mutual offers the cheapest auto insurance rates at $743 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 Square, Chubb is the cheapest car insurance provider. At $1059 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 Square is Progressive, offering rates of around $6830 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1059	$177
Kemper	$1106	$187
Nationwide	$1427	$238
USAA	$1976	$337
NYCM	$2062	$343
Erie	$2235	$380
American Family	$2627	$438
Allstate	$2689	$453
State Farm	$2784	$469
Mercury	$3270	$556
Travelers	$3340	$562
Progressive	$6830	$1150

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Car Insurance Rates with An Accident in New Square

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

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

The cheapest car insurance companies after an at-fault accident in New Square include Kemper and American Family, offering $611 and $627, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $760.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$611	$102
American Family	$627	$106
NYCM	$760	$128
Erie	$832	$141
Chubb	$917	$153
Progressive	$1003	$169
New York Central Mutual Fire	$1160	$194
USAA	$1246	$210
Nationwide	$1874	$313
Allstate	$1890	$318
State Farm	$2282	$384
Travelers	$2321	$391
Utica National	$752	$128
Preferred Mutual	$760	$127

New Square Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Square NY. For example, the car insurance in New Square after a DUI increases to $941 for a six month policy. While the rate increases by $149 for a six-month policy in the case of a speeding ticket.

New Square auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1654	$276
One Med/PIP claim	$1654	$281
One comp claim	$1670	$279
Two comp claims	$1686	$286
Two Med/PIP claims	$1686	$281
Not-at-fault accident	$1694	$288
Failure to show documents	$1717	$286
Failure to wear a seat belt	$1725	$293
Driving with expired registration	$1741	$290
At-fault accident - less than $1000	$1749	$297
Cell phone violation	$1749	$292
Child safety restraint	$1749	$297
Driving without lights	$1749	$292
Failure to stop at a red light	$1749	$297
Failure to yield	$1749	$292
Following too closely	$1749	$297
Illegal turn	$1749	$292
Improper passing	$1749	$297
Passing school bus	$1749	$292
Texting while driving	$1749	$297
Wrong way/wrong lane	$1749	$292
Driving too slowly	$1765	$300
Speeding in school zone	$1765	$294
At-fault accident - $1000-$2000	$1771	$301
Speeding 11 - 15 MPH over limit	$1803	$301
Speeding 6 - 10 MPH over limit	$1803	$306
Operating a vehicle without permission	$1835	$306
Open container	$1859	$315
In 65 MPH zone	$1936	$323
Speeding 16 - 20 MPH over limit	$1960	$334
Speeding 21 - 25 MPH over limit	$2030	$338
At-fault accident - greater than $2000	$2187	$372
Reckless driving	$2336	$389
Racing	$2430	$413
Driving with a suspended license	$2517	$420
Refusal to submit to a chemical test	$2571	$437
DUI	$2595	$433
Leaving scene of an accident/hit and run	$2635	$447

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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 Square 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 Square.

The cheapest car insurance premiums in New Square are offered by American Family at $595 for a six-month policy. However, it can be as expensive as $2658 with companies like State Farm.

New Square car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$595	$100
Kemper	$627	$107
Progressive	$760	$128
NYCM	$957	$161
New York Central Mutual Fire	$1411	$235
USAA	$1505	$253
Allstate	$2235	$376
Travelers	$2297	$387
Nationwide	$2328	$388
State Farm	$2658	$447

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 Square are offered by American Family at $525. However, it can be as expensive as $2697 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in New Square after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$525	$90
Kemper	$525	$87
Progressive	$651	$110
NYCM	$870	$145
USAA	$1184	$202
Nationwide	$1632	$272
State Farm	$1765	$300
Travelers	$2579	$430
Allstate	$2697	$458

Car Insurance Price Trends in New Square, New York

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

The average cost of full coverage in the New Square dipped by $326 in December compared to $327 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 Square dipped to $112 in December, compared to $116 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 Square?

The car insurance in New Square is $58 per month, which is lower than the national average.

What is the cheapest car insurance in New Square?

The cheapest car insurance in New Square is $124 per month for full coverage.

How much is car insurance in New Square for teenagers?

Car insurance for teenagers costs $494 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 Square?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $228 per month to insure your car in New Square.

Is car insurance expensive in New Square?

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

Cheapest Car Insurance Quotes in New Square

Why you can trust Way?

How Much Is Car Insurance in New Square

Avg. Car Insurance in New Square

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in New Square

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

New Square Car Insurance Rates by Company

Cheap Car Insurance Companies in New Square, NY

Way's key takeaways about car insurance in New Square

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in New Square

Cheapest Liability Coverage in New Square, NY

Cheapest Full Coverage Car Insurance in New Square

Cheapest Full Coverage Car Insurance Quotes in New Square, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in New Square by Rating Factor

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

Car Insurance Premiums by Age in New Square

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Square

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

New Square Car Insurance Rates by Violation

New Square auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in New Square after a DUI

New Square car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in New Square after Speeding ticket

Car Insurance Price Trends in New Square, New York

Average Car Insurance Cost in New Square by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near New Square, NY

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

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