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 $1883 for a six-month policy, which is $854 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

$1883

Avg. Car Insurance in New York

$1029

National Average

$1140

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 $1349 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, Allstate is the most expensive, with rates reaching $2815 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	$1349	$227
American Family	$1565	$264
NYCM	$1642	$276
Erie	$1967	$328
Nationwide	$1978	$337
USAA	$1989	$335
State Farm	$2467	$415
Travelers	$2599	$437
Allstate	$2815	$474

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 $1435 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	$500	$84
Kemper	$587	$97
Progressive	$695	$117
American Family	$706	$119
USAA	$858	$145
Nationwide	$913	$152
Erie	$1153	$196
State Farm	$1338	$225
Travelers	$1435	$242
Allstate	$1501	$253
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	$1349	$227
American Family	$1565	$264
NYCM	$1642	$276
Erie	$1967	$328
Nationwide	$1978	$337
USAA	$1989	$335
State Farm	$2467	$415
Travelers	$2599	$437
Allstate	$2815	$474

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	National Grange Mutual	$1030
30s	National Grange Mutual	$734
40s	National Grange Mutual	$706
50s	National Grange Mutual	$717
60s	National Grange Mutual	$772
70s	National Grange Mutual	$1060

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 $113 per month. At $8522 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	$113
American Family	$825	$139
NYCM	$1380	$232
Progressive	$2185	$368
New York Central Mutual Fire	$2381	$397
USAA	$4370	$736
Nationwide	$5708	$952
Travelers	$7066	$1190
Allstate	$7642	$1286
State Farm	$8522	$1435

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 North Valley Stream.

As young drivers face the highest rates in North Valley Stream, National Grange Mutual offers the cheapest auto insurance rates at $1030 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 North Valley Stream, Chubb is the cheapest car insurance provider. At $1468 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 $9468 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1468	$245
Kemper	$1534	$260
Nationwide	$1978	$329
USAA	$2740	$467
NYCM	$2858	$476
Erie	$3098	$527
American Family	$3642	$608
Allstate	$3728	$628
State Farm	$3859	$650
Mercury	$4533	$770
Travelers	$4630	$780
Progressive	$9468	$1594

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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
NYCM	$1054	$178
Erie	$1153	$196
Chubb	$1272	$212
Progressive	$1391	$234
New York Central Mutual Fire	$1609	$269
USAA	$1728	$291
Nationwide	$2599	$434
Allstate	$2621	$441
State Farm	$3164	$533
Travelers	$3217	$542
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 $3686 with companies like State Farm.

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	$1054	$178
NYCM	$1327	$223
New York Central Mutual Fire	$1956	$326
USAA	$2086	$351
Allstate	$3098	$522
Travelers	$3184	$536
Nationwide	$3228	$538
State Farm	$3686	$620

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 $3739 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	$124
Kemper	$728	$121
Progressive	$902	$152
NYCM	$1206	$201
USAA	$1642	$280
Nationwide	$2262	$377
State Farm	$2447	$415
Travelers	$3576	$597
Allstate	$3739	$635

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 dipped by $452 in December compared to $454 of November. In other words, there has been an decrease by $2 when you compare December and November.

The average cost of liability insurance in the North Valley Stream dipped to $156 in December, compared to $161 in November. This represents an decrease of $5 when comparing December and November.

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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 $1029 for a six-month policy. It will cost around $317 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 National Grange Mutual 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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