Cheapest Car Insurance Quotes in North Valley Stream

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North Valley Stream Car Insurance

^$ 81

/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 Valley Stream

The car insurance rate in North Valley Stream is $2119 for a six-month policy, which is $961 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1010, making it a popular choice for budget-conscious drivers. Rates in North Valley Stream 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 Valley Stream

$2119

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in North Valley Stream

1st place: Kemper

At $1010 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 $1338 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1424 for six months, making it the third cheapest auto insurance company in North Valley Stream.

North Valley Stream Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in North Valley Stream, NY is Kemper, offering policies at just $1010 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1338.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $3250 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Valley Stream drivers find the best deals.

Cheap Car Insurance Companies in North Valley Stream, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1010	$172
New York Central Mutual Fire	$1338	$223
Progressive	$1424	$240
American Family	$1565	$264
NYCM	$1892	$318
USAA	$2097	$353
Erie	$2141	$361
Nationwide	$2337	$390
Travelers	$2381	$401
State Farm	$2837	$478
Allstate	$3173	$534
Chubb	$3250	$542

Key Takeaways

Way's key takeaways about car insurance in North Valley Stream

The auto insurance costs in North Valley Stream fall around $1010 for six months.
The cheapest auto insurance company in North Valley Stream is New York Central Mutual Fire.
Teen drivers pay the highest rate in North Valley Stream at $1634 per month.

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Cheapest Minimum Liability Car Insurance in North Valley Stream

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 Valley Stream are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in North Valley Stream. Their Average 6 Month Premium is $478. Preferred Mutual is the most expensive at $1261 for the same period.

Cheapest Liability Coverage in North Valley Stream, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$478	$81
NYCM	$565	$93
Kemper	$587	$101
American Family	$706	$119
Progressive	$728	$123
USAA	$935	$157
Erie	$1153	$196
Travelers	$1239	$207
Allstate	$1327	$225
State Farm	$1413	$236
Nationwide	$913	$152
Utica National	$1043	$178
Preferred Mutual	$1261	$210

Cheapest Full Coverage Car Insurance in North Valley Stream

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 Valley Stream is Kemper at $172 per month and $1010 for six months.

Cheapest Full Coverage Car Insurance Quotes in North Valley Stream, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1010	$172
New York Central Mutual Fire	$1338	$223
Progressive	$1424	$240
American Family	$1565	$264
NYCM	$1892	$318
USAA	$2097	$353
Erie	$2141	$361
Nationwide	$2337	$390
Travelers	$2381	$401
State Farm	$2837	$478
Allstate	$3173	$534
Chubb	$3250	$542

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Average Car Insurance in North Valley Stream 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 Valley Stream, NY increasing?

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

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 Valley Stream,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the North Valley Stream at $117 per month. At $9706 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$684	$117
American Family	$825	$139
NYCM	$1826	$307
Progressive	$2251	$379
New York Central Mutual Fire	$2381	$404
Erie	$4577	$763
USAA	$5033	$847
Travelers	$6619	$1114
Nationwide	$6892	$1171
Chubb	$7218	$1202
Allstate	$8305	$1398
State Farm	$9706	$1634

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 Valley Stream, Kemper is the cheapest car insurance provider. At $1534 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 Valley Stream is Progressive, offering rates of around $9185 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1534	$256
Nationwide	$2337	$397
Chubb	$2772	$467
USAA	$3369	$573
Erie	$3587	$604
American Family	$3642	$619
NYCM	$4077	$679
Allstate	$4445	$748
Mercury	$4533	$756
State Farm	$4685	$789
Travelers	$5424	$913
Progressive	$9185	$1546

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

Car Insurance Rates with An Accident in North Valley Stream

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

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

The cheapest car insurance companies after an at-fault accident in North Valley Stream include Kemper and American Family, offering $847 and $869, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $1054.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$847	$141
American Family	$869	$146
Progressive	$1338	$225
NYCM	$1360	$229
New York Central Mutual Fire	$1609	$269
USAA	$1826	$307
Erie	$2337	$393
Chubb	$2652	$447
Allstate	$2858	$481
Travelers	$2946	$496
Nationwide	$3087	$514
State Farm	$3609	$608
Utica National	$1043	$178
Preferred Mutual	$1054	$176

North Valley Stream Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in North Valley Stream NY. For example, the car insurance in North Valley Stream after a DUI increases to $1305 for a six month policy. While the rate increases by $207 for a six-month policy in the case of a speeding ticket.

North Valley Stream auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2293	$382
One Med/PIP claim	$2293	$390
One comp claim	$2315	$386
Two comp claims	$2337	$397
Two Med/PIP claims	$2337	$390
Not-at-fault accident	$2348	$399
Failure to show documents	$2381	$397
Failure to wear a seat belt	$2392	$406
Driving with expired registration	$2414	$403
At-fault accident - less than $1000	$2425	$412
Cell phone violation	$2425	$404
Child safety restraint	$2425	$412
Driving without lights	$2425	$404
Failure to stop at a red light	$2425	$412
Failure to yield	$2425	$404
Following too closely	$2425	$412
Illegal turn	$2425	$404
Improper passing	$2425	$412
Passing school bus	$2425	$404
Texting while driving	$2425	$412
Wrong way/wrong lane	$2425	$404
Driving too slowly	$2447	$415
Speeding in school zone	$2447	$408
At-fault accident - $1000-$2000	$2456	$417
Speeding 11 - 15 MPH over limit	$2500	$417
Speeding 6 - 10 MPH over limit	$2500	$425
Operating a vehicle without permission	$2544	$425
Open container	$2577	$437
In 65 MPH zone	$2685	$448
Speeding 16 - 20 MPH over limit	$2718	$463
Speeding 21 - 25 MPH over limit	$2815	$468
At-fault accident - greater than $2000	$3032	$516
Reckless driving	$3239	$540
Racing	$3369	$573
Driving with a suspended license	$3490	$582
Refusal to submit to a chemical test	$3565	$606
DUI	$3598	$600
Leaving scene of an accident/hit and run	$3653	$620

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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 Valley Stream 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 Valley Stream.

The cheapest car insurance premiums in North Valley Stream are offered by American Family at $825 for a six-month policy. However, it can be as expensive as $4077 with companies like Chubb.

North Valley Stream car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$825	$139
Kemper	$869	$148
Progressive	$1120	$188
NYCM	$1696	$285
New York Central Mutual Fire	$1956	$326
USAA	$2229	$375
Travelers	$2913	$490
Allstate	$3446	$580
Erie	$3554	$593
Nationwide	$3859	$657
State Farm	$4055	$683
Chubb	$4077	$694

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 Valley Stream are offered by American Family at $728. However, it can be as expensive as $4641 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in North Valley Stream after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$728	$121
Kemper	$728	$124
Progressive	$1054	$178
NYCM	$1707	$291
USAA	$1978	$329
Erie	$2315	$393
Nationwide	$2337	$390
Travelers	$2696	$458
State Farm	$3261	$544
Chubb	$3859	$657
Allstate	$4641	$774

Car Insurance Price Trends in North Valley Stream, New York

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

The average cost of full coverage in the North Valley Stream rose by $503 in January compared to $452 of December. In other words, there has been an increase by $51 when you compare January and December.

The average cost of liability insurance in the North Valley Stream dipped to $146 in January, compared to $156 in December. This represents an decrease of $10 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in North Valley Stream?

The car insurance in North Valley Stream is $81 per month, which is lower than the national average.

What is the cheapest car insurance in North Valley Stream?

The cheapest car insurance in North Valley Stream is $172 per month for full coverage.

How much is car insurance in North Valley Stream for teenagers?

Car insurance for teenagers costs $684 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 Valley Stream?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $355 per month to insure your car in North Valley Stream.

Is car insurance expensive in North Valley Stream?

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

Cheapest Car Insurance Quotes in North Valley Stream

Why you can trust Way?

How Much Is Car Insurance in North Valley Stream

Avg. Car Insurance in North Valley Stream

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in North Valley Stream

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

North Valley Stream Car Insurance Rates by Company

Cheap Car Insurance Companies in North Valley Stream, NY

Way's key takeaways about car insurance in North Valley Stream

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in North Valley Stream

Cheapest Liability Coverage in North Valley Stream, NY

Cheapest Full Coverage Car Insurance in North Valley Stream

Cheapest Full Coverage Car Insurance Quotes in North Valley Stream, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in North Valley Stream by Rating Factor

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

Car Insurance Premiums by Age in North Valley Stream

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in North Valley Stream,NY

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

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 Valley Stream

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

North Valley Stream Car Insurance Rates by Violation

North Valley Stream auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in North Valley Stream after a DUI

North Valley Stream car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in North Valley Stream after Speeding ticket

Car Insurance Price Trends in North Valley Stream, New York

Average Car Insurance Cost in North Valley Stream by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near North Valley Stream, NY

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

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