Cheapest Car Insurance Quotes in Orange Lake

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Orange Lake Car Insurance

^$ 50

/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 $1173 for a six-month policy, which is $144 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $629, 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

$1173

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Orange Lake

1st place: Kemper

At $629 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 $833 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $840 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 $629 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $833.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1753 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	$629	$107
New York Central Mutual Fire	$833	$139
Progressive	$840	$141
American Family	$975	$164
NYCM	$1023	$172
Erie	$1226	$204
Nationwide	$1232	$210
USAA	$1239	$209
State Farm	$1537	$259
Travelers	$1619	$272
Allstate	$1753	$295

Key Takeaways

Way's key takeaways about car insurance in Orange Lake

The auto insurance costs in Orange Lake fall around $629 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 $894 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 $298. Preferred Mutual is the most expensive at $785 for the same period.

Cheapest Liability Coverage in Orange Lake, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$298	$50
NYCM	$311	$52
Kemper	$366	$60
Progressive	$433	$73
American Family	$440	$74
USAA	$535	$90
Nationwide	$569	$95
Erie	$718	$122
State Farm	$833	$140
Travelers	$894	$150
Allstate	$935	$157
Utica National	$650	$111
Preferred Mutual	$785	$131

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 $107 per month and $629 for six months.

Cheapest Full Coverage Car Insurance Quotes in Orange Lake, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$629	$107
New York Central Mutual Fire	$833	$139
Progressive	$840	$141
American Family	$975	$164
NYCM	$1023	$172
Erie	$1226	$204
Nationwide	$1232	$210
USAA	$1239	$209
State Farm	$1537	$259
Travelers	$1619	$272
Allstate	$1753	$295

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	National Grange Mutual	$642
30s	National Grange Mutual	$457
40s	National Grange Mutual	$440
50s	National Grange Mutual	$447
60s	National Grange Mutual	$481
70s	National Grange Mutual	$660

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 $71 per month. At $5309 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$426	$71
American Family	$514	$87
NYCM	$860	$145
Progressive	$1361	$229
New York Central Mutual Fire	$1483	$247
USAA	$2722	$458
Nationwide	$3556	$593
Travelers	$4402	$741
Allstate	$4761	$801
State Farm	$5309	$894

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 Orange Lake.

As young drivers face the highest rates in Orange Lake, National Grange Mutual offers the cheapest auto insurance rates at $642 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 Orange Lake, Chubb is the cheapest car insurance provider. At $914 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 $5898 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$914	$153
Kemper	$955	$162
Nationwide	$1232	$205
USAA	$1707	$291
NYCM	$1781	$296
Erie	$1930	$328
American Family	$2269	$378
Allstate	$2322	$391
State Farm	$2404	$405
Mercury	$2824	$480
Travelers	$2884	$486
Progressive	$5898	$993

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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 $528 and $542, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $657.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$528	$88
American Family	$542	$91
NYCM	$657	$111
Erie	$718	$122
Chubb	$792	$132
Progressive	$866	$146
New York Central Mutual Fire	$1002	$168
USAA	$1076	$181
Nationwide	$1619	$270
Allstate	$1632	$275
State Farm	$1971	$332
Travelers	$2004	$337
Utica National	$650	$111
Preferred Mutual	$657	$109

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 $813 for a six month policy. While the rate increases by $129 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	$1428	$238
One Med/PIP claim	$1428	$243
One comp claim	$1442	$241
Two comp claims	$1456	$247
Two Med/PIP claims	$1456	$243
Not-at-fault accident	$1463	$249
Failure to show documents	$1483	$247
Failure to wear a seat belt	$1490	$253
Driving with expired registration	$1504	$251
At-fault accident - less than $1000	$1510	$257
Cell phone violation	$1510	$252
Child safety restraint	$1510	$257
Driving without lights	$1510	$252
Failure to stop at a red light	$1510	$257
Failure to yield	$1510	$252
Following too closely	$1510	$257
Illegal turn	$1510	$252
Improper passing	$1510	$257
Passing school bus	$1510	$252
Texting while driving	$1510	$257
Wrong way/wrong lane	$1510	$252
Driving too slowly	$1524	$259
Speeding in school zone	$1524	$254
At-fault accident - $1000-$2000	$1530	$260
Speeding 11 - 15 MPH over limit	$1557	$260
Speeding 6 - 10 MPH over limit	$1557	$264
Operating a vehicle without permission	$1585	$264
Open container	$1605	$272
In 65 MPH zone	$1672	$279
Speeding 16 - 20 MPH over limit	$1693	$288
Speeding 21 - 25 MPH over limit	$1753	$292
At-fault accident - greater than $2000	$1889	$321
Reckless driving	$2018	$336
Racing	$2099	$357
Driving with a suspended license	$2174	$363
Refusal to submit to a chemical test	$2221	$377
DUI	$2241	$374
Leaving scene of an accident/hit and run	$2275	$386

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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 $514 for a six-month policy. However, it can be as expensive as $2296 with companies like State Farm.

Orange Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$514	$87
Kemper	$542	$92
Progressive	$657	$111
NYCM	$826	$139
New York Central Mutual Fire	$1219	$203
USAA	$1300	$219
Allstate	$1930	$325
Travelers	$1984	$334
Nationwide	$2011	$335
State Farm	$2296	$386

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 $454. However, it can be as expensive as $2329 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	$454	$78
Kemper	$454	$75
Progressive	$562	$95
NYCM	$751	$125
USAA	$1023	$174
Nationwide	$1409	$235
State Farm	$1524	$259
Travelers	$2228	$372
Allstate	$2329	$396

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 dipped by $282 in December compared to $283 of November. In other words, there has been an decrease by $1 when you compare December and November.

The average cost of liability insurance in the Orange Lake dipped to $97 in December, compared to $100 in November. This represents an decrease of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Orange Lake?

The car insurance in Orange Lake is $50 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 $107 per month for full coverage.

How much is car insurance in Orange Lake for teenagers?

Car insurance for teenagers costs $426 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 $1029 for a six-month policy. It will cost around $197 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 National Grange Mutual 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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