Cheapest Car Insurance Quotes in North Sea

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North Sea Car Insurance

^$ 49

/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 Sea

The car insurance rate in North Sea is $1297 for a six-month policy, which is $139 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $618, making it a popular choice for budget-conscious drivers. Rates in North Sea 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 Sea

$1297

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in North Sea

1st place: Kemper

At $618 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 $819 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $871 for six months, making it the third cheapest auto insurance company in North Sea.

North Sea Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in North Sea, NY is Kemper, offering policies at just $618 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $819.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $1989 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Sea drivers find the best deals.

Cheap Car Insurance Companies in North Sea, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$618	$105
New York Central Mutual Fire	$819	$137
Progressive	$871	$147
American Family	$958	$161
NYCM	$1158	$195
USAA	$1284	$216
Erie	$1310	$221
Nationwide	$1430	$239
Travelers	$1457	$245
State Farm	$1736	$292
Allstate	$1942	$327
Chubb	$1989	$332

Key Takeaways

Way's key takeaways about car insurance in North Sea

The auto insurance costs in North Sea fall around $618 for six months.
The cheapest auto insurance company in North Sea is New York Central Mutual Fire.
Teen drivers pay the highest rate in North Sea at $1000 per month.

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Cheapest Minimum Liability Car Insurance in North Sea

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 Sea are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in North Sea. Their Average 6 Month Premium is $292. Preferred Mutual is the most expensive at $772 for the same period.

Cheapest Liability Coverage in North Sea, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$292	$49
NYCM	$346	$57
Kemper	$360	$62
American Family	$432	$73
Progressive	$446	$75
USAA	$572	$96
Erie	$706	$120
Travelers	$758	$127
Allstate	$812	$138
State Farm	$865	$144
Nationwide	$559	$93
Utica National	$638	$109
Preferred Mutual	$772	$129

Cheapest Full Coverage Car Insurance in North Sea

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 Sea is Kemper at $105 per month and $618 for six months.

Cheapest Full Coverage Car Insurance Quotes in North Sea, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$618	$105
New York Central Mutual Fire	$819	$137
Progressive	$871	$147
American Family	$958	$161
NYCM	$1158	$195
USAA	$1284	$216
Erie	$1310	$221
Nationwide	$1430	$239
Travelers	$1457	$245
State Farm	$1736	$292
Allstate	$1942	$327
Chubb	$1989	$332

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Average Car Insurance in North Sea 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 Sea, NY increasing?

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

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 Sea,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the North Sea at $72 per month. At $5940 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$419	$72
American Family	$505	$85
NYCM	$1118	$188
Progressive	$1378	$232
New York Central Mutual Fire	$1457	$248
Erie	$2801	$467
USAA	$3080	$519
Travelers	$4051	$682
Nationwide	$4218	$717
Chubb	$4417	$736
Allstate	$5083	$856
State Farm	$5940	$1000

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 Sea, Kemper is the cheapest car insurance provider. At $939 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 Sea is Progressive, offering rates of around $5621 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$939	$157
Nationwide	$1430	$243
Chubb	$1697	$286
USAA	$2062	$351
Erie	$2195	$370
American Family	$2229	$379
NYCM	$2495	$416
Allstate	$2720	$458
Mercury	$2774	$463
State Farm	$2867	$483
Travelers	$3320	$559
Progressive	$5621	$946

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Car Insurance Rates with An Accident in North Sea

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

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

The cheapest car insurance companies after an at-fault accident in North Sea include Kemper and American Family, offering $519 and $532, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $645.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$519	$86
American Family	$532	$90
Progressive	$819	$138
NYCM	$832	$140
New York Central Mutual Fire	$984	$165
USAA	$1118	$188
Erie	$1430	$241
Chubb	$1623	$273
Allstate	$1749	$295
Travelers	$1803	$304
Nationwide	$1889	$315
State Farm	$2209	$372
Utica National	$638	$109
Preferred Mutual	$645	$108

North Sea Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in North Sea NY. For example, the car insurance in North Sea after a DUI increases to $799 for a six month policy. While the rate increases by $127 for a six-month policy in the case of a speeding ticket.

North Sea auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1403	$234
One Med/PIP claim	$1403	$239
One comp claim	$1417	$236
Two comp claims	$1430	$243
Two Med/PIP claims	$1430	$239
Not-at-fault accident	$1437	$244
Failure to show documents	$1457	$243
Failure to wear a seat belt	$1464	$249
Driving with expired registration	$1477	$246
At-fault accident - less than $1000	$1484	$252
Cell phone violation	$1484	$248
Child safety restraint	$1484	$252
Driving without lights	$1484	$248
Failure to stop at a red light	$1484	$252
Failure to yield	$1484	$248
Following too closely	$1484	$252
Illegal turn	$1484	$248
Improper passing	$1484	$252
Passing school bus	$1484	$248
Texting while driving	$1484	$252
Wrong way/wrong lane	$1484	$248
Driving too slowly	$1497	$254
Speeding in school zone	$1497	$250
At-fault accident - $1000-$2000	$1503	$255
Speeding 11 - 15 MPH over limit	$1530	$255
Speeding 6 - 10 MPH over limit	$1530	$260
Operating a vehicle without permission	$1557	$260
Open container	$1577	$268
In 65 MPH zone	$1643	$274
Speeding 16 - 20 MPH over limit	$1663	$283
Speeding 21 - 25 MPH over limit	$1723	$287
At-fault accident - greater than $2000	$1856	$316
Reckless driving	$1982	$330
Racing	$2062	$351
Driving with a suspended license	$2136	$356
Refusal to submit to a chemical test	$2182	$371
DUI	$2202	$367
Leaving scene of an accident/hit and run	$2236	$380

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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 Sea 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 Sea.

The cheapest car insurance premiums in North Sea are offered by American Family at $505 for a six-month policy. However, it can be as expensive as $2495 with companies like Chubb.

North Sea car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$505	$85
Kemper	$532	$91
Progressive	$685	$115
NYCM	$1038	$175
New York Central Mutual Fire	$1197	$199
USAA	$1364	$230
Travelers	$1783	$300
Allstate	$2109	$355
Erie	$2175	$363
Nationwide	$2362	$402
State Farm	$2482	$418
Chubb	$2495	$424

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 Sea are offered by American Family at $446. However, it can be as expensive as $2840 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in North Sea after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$446	$74
Kemper	$446	$76
Progressive	$645	$109
NYCM	$1045	$178
USAA	$1211	$202
Erie	$1417	$241
Nationwide	$1430	$239
Travelers	$1650	$280
State Farm	$1996	$333
Chubb	$2362	$402
Allstate	$2840	$474

Car Insurance Price Trends in North Sea, New York

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

The average cost of full coverage in the North Sea rose by $308 in January compared to $277 of December. In other words, there has been an increase by $31 when you compare January and December.

The average cost of liability insurance in the North Sea dipped to $90 in January, compared to $95 in December. This represents an decrease of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in North Sea?

The car insurance in North Sea is $49 per month, which is lower than the national average.

What is the cheapest car insurance in North Sea?

The cheapest car insurance in North Sea is $105 per month for full coverage.

How much is car insurance in North Sea for teenagers?

Car insurance for teenagers costs $419 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 Sea?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $217 per month to insure your car in North Sea.

Is car insurance expensive in North Sea?

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

Cheapest Car Insurance Quotes in North Sea

Why you can trust Way?

How Much Is Car Insurance in North Sea

Avg. Car Insurance in North Sea

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in North Sea

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

North Sea Car Insurance Rates by Company

Cheap Car Insurance Companies in North Sea, NY

Way's key takeaways about car insurance in North Sea

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in North Sea

Cheapest Liability Coverage in North Sea, NY

Cheapest Full Coverage Car Insurance in North Sea

Cheapest Full Coverage Car Insurance Quotes in North Sea, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in North Sea by Rating Factor

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

Car Insurance Premiums by Age in North Sea

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Sea

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

North Sea Car Insurance Rates by Violation

North Sea auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in North Sea after a DUI

North Sea car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in North Sea after Speeding ticket

Car Insurance Price Trends in North Sea, New York

Average Car Insurance Cost in North Sea by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near North Sea, NY

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

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