Cheapest Car Insurance Quotes in North Hills

Finding the cheapest car insurance quotes in North Hills 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

406,175 Policies Sold

North Hills 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 North Hills

The car insurance rate in North Hills is $1818 for a six-month policy, which is $660 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $867, making it a popular choice for budget-conscious drivers. Rates in North Hills 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 North Hills

$1818

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in North Hills

1st place: Kemper

At $867 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 $1148 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1221 for six months, making it the third cheapest auto insurance company in North Hills.

North Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in North Hills, NY is Kemper, offering policies at just $867 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1148.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $2788 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Hills drivers find the best deals.

Cheap Car Insurance Companies in North Hills, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$867	$148
New York Central Mutual Fire	$1148	$192
Progressive	$1221	$206
American Family	$1342	$226
NYCM	$1623	$273
USAA	$1799	$303
Erie	$1837	$309
Nationwide	$2005	$334
Travelers	$2043	$344
State Farm	$2434	$410
Allstate	$2722	$458
Chubb	$2788	$465

Key Takeaways

Way's key takeaways about car insurance in North Hills

The auto insurance costs in North Hills fall around $867 for six months.
The cheapest auto insurance company in North Hills is New York Central Mutual Fire.
Teen drivers pay the highest rate in North Hills at $1402 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 North Hills

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 North Hills are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in North Hills. Their Average 6 Month Premium is $410. Preferred Mutual is the most expensive at $1082 for the same period.

Cheapest Liability Coverage in North Hills, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$410	$69
NYCM	$485	$80
Kemper	$504	$86
American Family	$606	$102
Progressive	$625	$105
USAA	$802	$135
Erie	$989	$168
Travelers	$1063	$177
Allstate	$1138	$193
State Farm	$1212	$203
Nationwide	$783	$130
Utica National	$895	$152
Preferred Mutual	$1082	$181

Cheapest Full Coverage Car Insurance in North Hills

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 North Hills is Kemper at $148 per month and $867 for six months.

Cheapest Full Coverage Car Insurance Quotes in North Hills, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$867	$148
New York Central Mutual Fire	$1148	$192
Progressive	$1221	$206
American Family	$1342	$226
NYCM	$1623	$273
USAA	$1799	$303
Erie	$1837	$309
Nationwide	$2005	$334
Travelers	$2043	$344
State Farm	$2434	$410
Allstate	$2722	$458
Chubb	$2788	$465

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in North Hills Instantly!

Average Car Insurance in North Hills 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 North Hills, NY increasing?

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

Car Insurance Premiums by Age in North Hills

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in North Hills,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the North Hills at $100 per month. At $8327 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$587	$100
American Family	$708	$119
NYCM	$1567	$264
Progressive	$1931	$325
New York Central Mutual Fire	$2043	$347
Erie	$3927	$655
USAA	$4318	$727
Travelers	$5679	$956
Nationwide	$5913	$1005
Chubb	$6192	$1031
Allstate	$7125	$1199
State Farm	$8327	$1402

Teen Car Insurance Rates in NY by Age

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 North Hills, Kemper is the cheapest car insurance provider. At $1316 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 North Hills is Progressive, offering rates of around $7880 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1316	$220
Nationwide	$2005	$341
Chubb	$2379	$400
USAA	$2890	$491
Erie	$3077	$518
American Family	$3124	$531
NYCM	$3498	$582
Allstate	$3814	$642
Mercury	$3889	$648
State Farm	$4019	$677
Travelers	$4653	$783
Progressive	$7880	$1327

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in North Hills.

Car Insurance Rates with An Accident in North Hills

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

Cheapest Car Insurance Companies after an At-Fault Accident in North Hills

The cheapest car insurance companies after an at-fault accident in North Hills include Kemper and American Family, offering $727 and $746, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $904.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$727	$121
American Family	$746	$126
Progressive	$1148	$193
NYCM	$1167	$196
New York Central Mutual Fire	$1380	$231
USAA	$1567	$264
Erie	$2005	$338
Chubb	$2275	$383
Allstate	$2452	$413
Travelers	$2528	$425
Nationwide	$2649	$441
State Farm	$3096	$521
Utica National	$895	$152
Preferred Mutual	$904	$151

North Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in North Hills NY. For example, the car insurance in North Hills after a DUI increases to $1120 for a six month policy. While the rate increases by $178 for a six-month policy in the case of a speeding ticket.

North Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1967	$328
One Med/PIP claim	$1967	$334
One comp claim	$1986	$331
Two comp claims	$2005	$341
Two Med/PIP claims	$2005	$334
Not-at-fault accident	$2014	$342
Failure to show documents	$2043	$341
Failure to wear a seat belt	$2052	$349
Driving with expired registration	$2071	$345
At-fault accident - less than $1000	$2080	$353
Cell phone violation	$2080	$347
Child safety restraint	$2080	$353
Driving without lights	$2080	$347
Failure to stop at a red light	$2080	$353
Failure to yield	$2080	$347
Following too closely	$2080	$353
Illegal turn	$2080	$347
Improper passing	$2080	$353
Passing school bus	$2080	$347
Texting while driving	$2080	$353
Wrong way/wrong lane	$2080	$347
Driving too slowly	$2099	$356
Speeding in school zone	$2099	$350
At-fault accident - $1000-$2000	$2107	$358
Speeding 11 - 15 MPH over limit	$2145	$358
Speeding 6 - 10 MPH over limit	$2145	$364
Operating a vehicle without permission	$2182	$364
Open container	$2211	$375
In 65 MPH zone	$2303	$385
Speeding 16 - 20 MPH over limit	$2331	$397
Speeding 21 - 25 MPH over limit	$2415	$402
At-fault accident - greater than $2000	$2601	$443
Reckless driving	$2779	$463
Racing	$2890	$491
Driving with a suspended license	$2994	$499
Refusal to submit to a chemical test	$3058	$520
DUI	$3087	$515
Leaving scene of an accident/hit and run	$3134	$532

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 North Hills 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 North Hills.

The cheapest car insurance premiums in North Hills are offered by American Family at $708 for a six-month policy. However, it can be as expensive as $3498 with companies like Chubb.

North Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$708	$119
Kemper	$746	$127
Progressive	$961	$162
NYCM	$1455	$245
New York Central Mutual Fire	$1678	$279
USAA	$1912	$322
Travelers	$2499	$421
Allstate	$2956	$498
Erie	$3049	$509
Nationwide	$3311	$564
State Farm	$3479	$586
Chubb	$3498	$595

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 North Hills are offered by American Family at $625. However, it can be as expensive as $3982 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in North Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$625	$104
Kemper	$625	$107
Progressive	$904	$152
NYCM	$1465	$250
USAA	$1697	$283
Erie	$1986	$338
Nationwide	$2005	$334
Travelers	$2313	$393
State Farm	$2798	$466
Chubb	$3311	$564
Allstate	$3982	$664

Car Insurance Price Trends in North Hills, New York

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

The average cost of full coverage in the North Hills rose by $432 in January compared to $388 of December. In other words, there has been an increase by $44 when you compare January and December.

The average cost of liability insurance in the North Hills dipped to $126 in January, compared to $133 in December. This represents an decrease of $7 when comparing January and December.

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 North Hills?

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

What is the cheapest car insurance in North Hills?

The cheapest car insurance in North Hills is $148 per month for full coverage.

How much is car insurance in North Hills for teenagers?

Car insurance for teenagers costs $587 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 North Hills?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $305 per month to insure your car in North Hills.

Is car insurance expensive in North Hills?

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

Cheapest Car Insurance Quotes in North Hills

Why you can trust Way?

How Much Is Car Insurance in North Hills

Avg. Car Insurance in North Hills

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in North Hills

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

North Hills Car Insurance Rates by Company

Cheap Car Insurance Companies in North Hills, NY

Way's key takeaways about car insurance in North Hills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in North Hills

Cheapest Liability Coverage in North Hills, NY

Cheapest Full Coverage Car Insurance in North Hills

Cheapest Full Coverage Car Insurance Quotes in North Hills, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in North Hills by Rating Factor

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

Car Insurance Premiums by Age in North Hills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in North Hills,NY

If you are in your twenties N/A is the best choice for car insurance in North Hills.

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 North Hills

Cheapest Car Insurance Companies after an At-Fault Accident in North Hills

North Hills Car Insurance Rates by Violation

North Hills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in North Hills after a DUI

North Hills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in North Hills after Speeding ticket

Car Insurance Price Trends in North Hills, New York

Average Car Insurance Cost in North Hills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near North Hills, NY

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

Featured Blogs

Data Sources