Cheapest Car Insurance Quotes in North Patchogue

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North Patchogue 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 North Patchogue

The car insurance rate in North Patchogue is $1529 for a six-month policy, which is $371 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 North Patchogue 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 Patchogue

$1529

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in North Patchogue

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 $1027 for six months, making it the third cheapest auto insurance company in North Patchogue.

North Patchogue Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in North Patchogue, 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, Chubb is the most expensive, with rates reaching $2344 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Patchogue drivers find the best deals.

Cheap Car Insurance Companies in North Patchogue, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$729	$124
New York Central Mutual Fire	$965	$161
Progressive	$1027	$173
American Family	$1129	$190
NYCM	$1365	$230
USAA	$1513	$255
Erie	$1544	$260
Nationwide	$1686	$281
Travelers	$1717	$289
State Farm	$2046	$345
Allstate	$2289	$385
Chubb	$2344	$391

Key Takeaways

Way's key takeaways about car insurance in North Patchogue

The auto insurance costs in North Patchogue fall around $729 for six months.
The cheapest auto insurance company in North Patchogue is New York Central Mutual Fire.
Teen drivers pay the highest rate in North Patchogue at $1179 per month.

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Cheapest Minimum Liability Car Insurance in North Patchogue

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 Patchogue are given below.

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

Cheapest Liability Coverage in North Patchogue, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$345	$58
NYCM	$408	$67
Kemper	$424	$73
American Family	$510	$86
Progressive	$525	$88
USAA	$675	$114
Erie	$832	$141
Travelers	$894	$149
Allstate	$957	$162
State Farm	$1019	$170
Nationwide	$659	$110
Utica National	$752	$128
Preferred Mutual	$909	$152

Cheapest Full Coverage Car Insurance in North Patchogue

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

Cheapest Full Coverage Car Insurance Quotes in North Patchogue, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$729	$124
New York Central Mutual Fire	$965	$161
Progressive	$1027	$173
American Family	$1129	$190
NYCM	$1365	$230
USAA	$1513	$255
Erie	$1544	$260
Nationwide	$1686	$281
Travelers	$1717	$289
State Farm	$2046	$345
Allstate	$2289	$385
Chubb	$2344	$391

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Average Car Insurance in North Patchogue 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 Patchogue, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in North Patchogue, 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 Patchogue'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 Patchogue

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

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

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the North Patchogue at $84 per month. At $7001 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	$84
American Family	$595	$100
NYCM	$1317	$222
Progressive	$1624	$273
New York Central Mutual Fire	$1717	$292
Erie	$3301	$550
USAA	$3630	$611
Travelers	$4774	$804
Nationwide	$4971	$845
Chubb	$5206	$867
Allstate	$5990	$1008
State Farm	$7001	$1179

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 Patchogue, Kemper is the cheapest car insurance provider. At $1106 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 Patchogue is Progressive, offering rates of around $6625 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1106	$185
Nationwide	$1686	$286
Chubb	$2000	$337
USAA	$2430	$413
Erie	$2587	$436
American Family	$2627	$446
NYCM	$2941	$490
Allstate	$3206	$540
Mercury	$3270	$545
State Farm	$3379	$569
Travelers	$3912	$659
Progressive	$6625	$1115

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Car Insurance Rates with An Accident in North Patchogue

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

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

The cheapest car insurance companies after an at-fault accident in North Patchogue 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
Progressive	$965	$162
NYCM	$981	$165
New York Central Mutual Fire	$1160	$194
USAA	$1317	$222
Erie	$1686	$284
Chubb	$1913	$322
Allstate	$2062	$347
Travelers	$2125	$358
Nationwide	$2227	$371
State Farm	$2603	$438
Utica National	$752	$128
Preferred Mutual	$760	$127

North Patchogue Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in North Patchogue NY. For example, the car insurance in North Patchogue 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.

North Patchogue 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 North Patchogue 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 Patchogue.

The cheapest car insurance premiums in North Patchogue are offered by American Family at $595 for a six-month policy. However, it can be as expensive as $2941 with companies like Chubb.

North Patchogue car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$595	$100
Kemper	$627	$107
Progressive	$808	$136
NYCM	$1224	$206
New York Central Mutual Fire	$1411	$235
USAA	$1608	$271
Travelers	$2101	$354
Allstate	$2486	$418
Erie	$2563	$428
Nationwide	$2784	$474
State Farm	$2925	$492
Chubb	$2941	$500

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 Patchogue are offered by American Family at $525. However, it can be as expensive as $3348 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in North Patchogue after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$525	$87
Kemper	$525	$90
Progressive	$760	$128
NYCM	$1232	$210
USAA	$1427	$238
Erie	$1670	$284
Nationwide	$1686	$281
Travelers	$1944	$330
State Farm	$2352	$392
Chubb	$2784	$474
Allstate	$3348	$558

Car Insurance Price Trends in North Patchogue, New York

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

The average cost of full coverage in the North Patchogue rose by $363 in January compared to $326 of December. In other words, there has been an increase by $37 when you compare January and December.

The average cost of liability insurance in the North Patchogue dipped to $106 in January, compared to $112 in December. This represents an decrease of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in North Patchogue?

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

What is the cheapest car insurance in North Patchogue?

The cheapest car insurance in North Patchogue is $124 per month for full coverage.

How much is car insurance in North Patchogue 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 North Patchogue?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $256 per month to insure your car in North Patchogue.

Is car insurance expensive in North Patchogue?

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

Cheapest Car Insurance Quotes in North Patchogue

Why you can trust Way?

How Much Is Car Insurance in North Patchogue

Avg. Car Insurance in North Patchogue

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in North Patchogue

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

North Patchogue Car Insurance Rates by Company

Cheap Car Insurance Companies in North Patchogue, NY

Way's key takeaways about car insurance in North Patchogue

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in North Patchogue

Cheapest Liability Coverage in North Patchogue, NY

Cheapest Full Coverage Car Insurance in North Patchogue

Cheapest Full Coverage Car Insurance Quotes in North Patchogue, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in North Patchogue by Rating Factor

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

Car Insurance Premiums by Age in North Patchogue

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Patchogue

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

North Patchogue Car Insurance Rates by Violation

North Patchogue auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in North Patchogue after a DUI

North Patchogue car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in North Patchogue after Speeding ticket

Car Insurance Price Trends in North Patchogue, New York

Average Car Insurance Cost in North Patchogue by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near North Patchogue, NY

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

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