Finding the cheapest car insurance quotes in Oyster Bay Cove shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Oyster Bay Cove
The car insurance rate in Oyster Bay Cove is for a six-month policy, which is higher than the state average. Root Insurance Company offers the lowest rates in the city at , making it a popular choice for budget-conscious drivers. Rates in Oyster Bay Cove 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.
Cheapest Car Insurance Companies in Oyster Bay Cove
1st place:
At for a six
month policy, offers
the cheapest
auto
insurance rates in the city.
2nd place:
offers auto
insurance rates at for a
six-month policy,
making it one of the cheapest to insure with.
3rd place:
offers auto insurance
rates at
for six months, making it
the third cheapest auto insurance company in Oyster Bay Cove.
Oyster Bay Cove Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Oyster Bay Cove, NY is , offering policies at just for a six-month term. This is followed by , which has an average six-month premium of .
At the higher end of the spectrum, is the most expensive, with rates reaching for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oyster Bay Cove drivers find the best deals.
Cheap Car Insurance Companies in Oyster Bay Cove, NY
Key Takeaways
Way's key takeaways about car insurance in Oyster Bay Cove
The auto insurance costs in Oyster Bay Cove fall around for six
months.
The cheapest auto insurance company in Oyster Bay Cove is .
Teen drivers pay the highest rate in Oyster Bay Cove at per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
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.
provides
the cheapest minimum car insurance
coverage in Oyster Bay Cove. Their Average 6 Month Premium is .
is the most
expensive at for the same
period.
Cheapest Liability Coverage in Oyster Bay Cove, NY
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
at per month and
for six months.
Cheapest Full Coverage Car Insurance Quotes in Oyster Bay Cove,
NY
Don't Let Hidden Costs Drive You Crazy
Get Your Car Insurance Quote in Oyster Bay Cove
Instantly!
Average Car Insurance in Oyster Bay Cove 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 Oyster Bay Cove, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Oyster Bay Cove, 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, Oyster Bay Cove's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
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
Cheapest Car Insurance Rates for Teen Drivers in
Oyster Bay Cove,NY
If you are planning to get a car insurance policy for your teenage
dependent, provides the cheapest car
insurance in the Oyster Bay Cove at
per
month. At for a six-month premium,
offers the most expensive rate for
teen drivers.
Teen Car Insurance Rates in NY by Age
Way Tip
If you are in your twenties is
the best choice for car
insurance in Oyster Bay Cove.
As young drivers face the highest rates in Oyster Bay Cove,
offers the cheapest auto insurance rates at 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 Oyster Bay Cove,
is
the cheapest car insurance provider. At 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
Oyster Bay Cove is , offering
rates of around for six
months.
Escape the Trap of Rising Insurance Costs.
Save up to $971/yr on car insurance rates in Oyster Bay Cove.
Car Insurance Rates with An Accident in Oyster Bay Cove
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 Oyster Bay Cove, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Oyster Bay Cove
The cheapest car insurance companies after an at-fault accident in
Oyster Bay Cove include
and , offering
and ,
respectively. is an expensive provider
with an average six-month premium of
.
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 for a six
month policy. While the rate increases by for a six-month policy in the case of
a speeding ticket.
Oyster Bay Cove auto insurance quotes by violations
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 Oyster Bay Cove 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 Oyster Bay Cove.
The cheapest car insurance premiums in
Oyster Bay Cove are
offered by at for a six-month policy.
However, it can be as
expensive as with companies
like .
Oyster Bay Cove car insurance quotes with a DUI
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 Oyster Bay Cove are offered by
at . However,
it can be as expensive as
with companies like for a similar
six-month premium.
Cheapest Car Insurance in Oyster Bay Cove after Speeding ticket
Car Insurance Price Trends in Oyster Bay Cove,
New York
Car insurance rates in Oyster Bay Cove have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Oyster Bay Cove by
in
compared to of . In other words, there has been an by when you
compare and .
The average cost of liability insurance in the Oyster Bay Cove to in ,
compared to in .
This represents an of
when comparing and .
Average Car Insurance Cost in Oyster Bay Cove by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Oyster Bay Cove. At for a
six-month policy, insuring
your car at is the cheapest
in the city.
Frequently Asked Questions
How much is car insurance in Oyster Bay Cove?
The car insurance in Oyster Bay Cove is $ than the national average.
What is the cheapest car insurance in Oyster Bay Cove?
The cheapest car insurance in Oyster Bay Cove
is per month
for full coverage.
How much is car insurance in Oyster Bay Cove for teenagers?
Car insurance for teenagers costs 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
Oyster Bay Cove?
The average cost of car insurance is for a six-month
policy. It will cost around per month to insure your
car in Oyster Bay Cove.
Is car insurance expensive in Oyster Bay Cove?
Car insurance can be expensive in Oyster Bay Cove if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Oyster Bay Cove can be
affordable.
What is the best car insurance in Oyster Bay Cove,
NY?
The best car insurance company in Oyster Bay Cove
NY is
, offering for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Oyster Bay Cove right now.
Find Car Insurance Rates in Cities Near Oyster Bay Cove, NY
Car Insurance Rates by State in the USA (2025 Update)
Oyster Bay Cove Car Insurance
