Cheapest Car Insurance Quotes in Orange Lake

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Orange Lake Car Insurance

^$ 51

/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 Orange Lake

The car insurance rate in Orange Lake is $1332 for a six-month policy, which is $174 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $635, making it a popular choice for budget-conscious drivers. Rates in Orange Lake 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 Orange Lake

$1332

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Orange Lake

1st place: Kemper

At $635 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 $841 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $895 for six months, making it the third cheapest auto insurance company in Orange Lake.

Orange Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Orange Lake, NY is Kemper, offering policies at just $635 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $841.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $2042 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Orange Lake drivers find the best deals.

Cheap Car Insurance Companies in Orange Lake, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$635	$108
New York Central Mutual Fire	$841	$140
Progressive	$895	$151
American Family	$983	$166
NYCM	$1189	$200
USAA	$1318	$222
Erie	$1346	$227
Nationwide	$1469	$245
Travelers	$1496	$252
State Farm	$1782	$300
Allstate	$1994	$336
Chubb	$2042	$340

Key Takeaways

Way's key takeaways about car insurance in Orange Lake

The auto insurance costs in Orange Lake fall around $635 for six months.
The cheapest auto insurance company in Orange Lake is New York Central Mutual Fire.
Teen drivers pay the highest rate in Orange Lake at $1027 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Orange Lake

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 Orange Lake are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Orange Lake. Their Average 6 Month Premium is $300. Preferred Mutual is the most expensive at $792 for the same period.

Cheapest Liability Coverage in Orange Lake, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$300	$51
NYCM	$355	$59
Kemper	$369	$63
American Family	$444	$75
Progressive	$458	$77
USAA	$588	$99
Erie	$725	$123
Travelers	$779	$130
Allstate	$834	$141
State Farm	$888	$148
Nationwide	$574	$95
Utica National	$656	$112
Preferred Mutual	$792	$132

Cheapest Full Coverage Car Insurance in Orange Lake

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 Orange Lake is Kemper at $108 per month and $635 for six months.

Cheapest Full Coverage Car Insurance Quotes in Orange Lake, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$635	$108
New York Central Mutual Fire	$841	$140
Progressive	$895	$151
American Family	$983	$166
NYCM	$1189	$200
USAA	$1318	$222
Erie	$1346	$227
Nationwide	$1469	$245
Travelers	$1496	$252
State Farm	$1782	$300
Allstate	$1994	$336
Chubb	$2042	$340

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Average Car Insurance in Orange Lake 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 Orange Lake, NY increasing?

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

Car Insurance Premiums by Age in Orange Lake

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 Orange Lake,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Orange Lake at $74 per month. At $6100 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$430	$74
American Family	$519	$87
NYCM	$1148	$193
Progressive	$1415	$238
New York Central Mutual Fire	$1496	$254
Erie	$2876	$480
USAA	$3162	$532
Travelers	$4160	$700
Nationwide	$4331	$736
Chubb	$4536	$756
Allstate	$5219	$879
State Farm	$6100	$1027

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 Orange Lake, Kemper is the cheapest car insurance provider. At $964 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 Orange Lake is Progressive, offering rates of around $5772 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$964	$161
Nationwide	$1469	$250
Chubb	$1742	$293
USAA	$2117	$360
Erie	$2254	$379
American Family	$2289	$389
NYCM	$2562	$427
Allstate	$2793	$470
Mercury	$2849	$475
State Farm	$2944	$496
Travelers	$3409	$574
Progressive	$5772	$972

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Save up to $971/yr on car insurance rates in Orange Lake.

Car Insurance Rates with An Accident in Orange Lake

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

Cheapest Car Insurance Companies after an At-Fault Accident in Orange Lake

The cheapest car insurance companies after an at-fault accident in Orange Lake include Kemper and American Family, offering $532 and $546, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $662.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$532	$89
American Family	$546	$92
Progressive	$841	$141
NYCM	$854	$144
New York Central Mutual Fire	$1011	$169
USAA	$1148	$193
Erie	$1469	$247
Chubb	$1666	$281
Allstate	$1796	$302
Travelers	$1851	$312
Nationwide	$1940	$323
State Farm	$2268	$382
Utica National	$656	$112
Preferred Mutual	$662	$110

Orange Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Orange Lake NY. For example, the car insurance in Orange Lake after a DUI increases to $820 for a six month policy. While the rate increases by $130 for a six-month policy in the case of a speeding ticket.

Orange Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1441	$240
One Med/PIP claim	$1441	$245
One comp claim	$1455	$243
Two comp claims	$1469	$250
Two Med/PIP claims	$1469	$245
Not-at-fault accident	$1475	$251
Failure to show documents	$1496	$250
Failure to wear a seat belt	$1503	$255
Driving with expired registration	$1517	$253
At-fault accident - less than $1000	$1524	$259
Cell phone violation	$1524	$254
Child safety restraint	$1524	$259
Driving without lights	$1524	$254
Failure to stop at a red light	$1524	$259
Failure to yield	$1524	$254
Following too closely	$1524	$259
Illegal turn	$1524	$254
Improper passing	$1524	$259
Passing school bus	$1524	$254
Texting while driving	$1524	$259
Wrong way/wrong lane	$1524	$254
Driving too slowly	$1538	$261
Speeding in school zone	$1538	$256
At-fault accident - $1000-$2000	$1543	$262
Speeding 11 - 15 MPH over limit	$1571	$262
Speeding 6 - 10 MPH over limit	$1571	$267
Operating a vehicle without permission	$1598	$267
Open container	$1619	$275
In 65 MPH zone	$1687	$282
Speeding 16 - 20 MPH over limit	$1708	$291
Speeding 21 - 25 MPH over limit	$1769	$294
At-fault accident - greater than $2000	$1906	$324
Reckless driving	$2035	$339
Racing	$2117	$360
Driving with a suspended license	$2193	$366
Refusal to submit to a chemical test	$2240	$381
DUI	$2261	$377
Leaving scene of an accident/hit and run	$2295	$390

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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 Orange Lake 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 Orange Lake.

The cheapest car insurance premiums in Orange Lake are offered by American Family at $519 for a six-month policy. However, it can be as expensive as $2562 with companies like Chubb.

Orange Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$519	$87
Kemper	$546	$93
Progressive	$704	$118
NYCM	$1066	$179
New York Central Mutual Fire	$1229	$205
USAA	$1401	$236
Travelers	$1831	$308
Allstate	$2165	$365
Erie	$2233	$373
Nationwide	$2425	$413
State Farm	$2548	$429
Chubb	$2562	$436

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 Orange Lake are offered by American Family at $458. However, it can be as expensive as $2916 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Orange Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$458	$76
Kemper	$458	$78
Progressive	$662	$112
NYCM	$1073	$183
USAA	$1243	$207
Erie	$1455	$247
Nationwide	$1469	$245
Travelers	$1694	$288
State Farm	$2049	$342
Chubb	$2425	$413
Allstate	$2916	$486

Car Insurance Price Trends in Orange Lake, New York

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

The average cost of full coverage in the Orange Lake rose by $316 in January compared to $284 of December. In other words, there has been an increase by $32 when you compare January and December.

The average cost of liability insurance in the Orange Lake dipped to $92 in January, compared to $98 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 Orange Lake?

The car insurance in Orange Lake is $51 per month, which is lower than the national average.

What is the cheapest car insurance in Orange Lake?

The cheapest car insurance in Orange Lake is $108 per month for full coverage.

How much is car insurance in Orange Lake for teenagers?

Car insurance for teenagers costs $430 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 Orange Lake?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $223 per month to insure your car in Orange Lake.

Is car insurance expensive in Orange Lake?

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

Cheapest Car Insurance Quotes in Orange Lake

Why you can trust Way?

How Much Is Car Insurance in Orange Lake

Avg. Car Insurance in Orange Lake

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Orange Lake

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Orange Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Orange Lake, NY

Way's key takeaways about car insurance in Orange Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Orange Lake

Cheapest Liability Coverage in Orange Lake, NY

Cheapest Full Coverage Car Insurance in Orange Lake

Cheapest Full Coverage Car Insurance Quotes in Orange Lake, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Orange Lake by Rating Factor

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

Car Insurance Premiums by Age in Orange Lake

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Orange Lake,NY

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

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 Orange Lake

Cheapest Car Insurance Companies after an At-Fault Accident in Orange Lake

Orange Lake Car Insurance Rates by Violation

Orange Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Orange Lake after a DUI

Orange Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Orange Lake after Speeding ticket

Car Insurance Price Trends in Orange Lake, New York

Average Car Insurance Cost in Orange Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Orange Lake, NY

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

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