Cheapest Car Insurance Quotes in Oyster Bay Cove

Cheapest Minimum Liability Car Insurance in Oyster Bay Cove

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 Oyster Bay Cove are given below. 

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Oyster Bay Cove. Their Average 6 Month Premium is $394. Preferred Mutual is the most expensive at $1040 for the same period. 

Cheapest Liability Coverage in Oyster Bay Cove, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$394	$66
NYCM	$467	$77
Kemper	$485	$83
American Family	$583	$98
Progressive	$601	$101
USAA	$772	$130
Erie	$951	$162
Travelers	$1022	$171
Allstate	$1095	$186
State Farm	$1166	$195
Nationwide	$753	$125
Utica National	$861	$146
Preferred Mutual	$1040	$174

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Cheapest Full Coverage Car Insurance in Oyster Bay Cove

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 Oyster Bay Cove is Kemper at $142 per month and $834 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Oyster Bay Cove, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$834	$142
New York Central Mutual Fire	$1104	$184
Progressive	$1175	$198
American Family	$1291	$217
NYCM	$1561	$263
USAA	$1730	$291
Erie	$1767	$297
Nationwide	$1928	$322
Travelers	$1965	$331
State Farm	$2341	$394
Allstate	$2618	$441
Chubb	$2682	$447

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Car Insurance Premiums by Age in Oyster Bay Cove

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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Age Group	Cheapest Companies	Avg. 6 Mo. Premium

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Oyster Bay Cove Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oyster Bay Cove NY. For example, the car insurance in Oyster Bay Cove after a DUI increases to $1077 for a six month policy. While the rate increases by $171 for a six-month policy in the case of a speeding ticket.  

Oyster Bay Cove auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1892	$316
One Med/PIP claim	$1892	$322
One comp claim	$1910	$319
Two comp claims	$1928	$328
Two Med/PIP claims	$1928	$322
Not-at-fault accident	$1937	$329
Failure to show documents	$1965	$328
Failure to wear a seat belt	$1974	$335
Driving with expired registration	$1992	$332
At-fault accident - less than $1000	$2001	$340
Cell phone violation	$2001	$334
Child safety restraint	$2001	$340
Driving without lights	$2001	$334
Failure to stop at a red light	$2001	$340
Failure to yield	$2001	$334
Following too closely	$2001	$340
Illegal turn	$2001	$334
Improper passing	$2001	$340
Passing school bus	$2001	$334
Texting while driving	$2001	$340
Wrong way/wrong lane	$2001	$334
Driving too slowly	$2019	$343
Speeding in school zone	$2019	$337
At-fault accident - $1000-$2000	$2026	$344
Speeding 11 - 15 MPH over limit	$2063	$344
Speeding 6 - 10 MPH over limit	$2063	$350
Operating a vehicle without permission	$2099	$350
Open container	$2126	$361
In 65 MPH zone	$2215	$370
Speeding 16 - 20 MPH over limit	$2242	$382
Speeding 21 - 25 MPH over limit	$2322	$387
At-fault accident - greater than $2000	$2502	$426
Reckless driving	$2673	$445
Racing	$2780	$473
Driving with a suspended license	$2880	$480
Refusal to submit to a chemical test	$2941	$500
DUI	$2969	$495
Leaving scene of an accident/hit and run	$3014	$512

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