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Finding the cheapest car insurance quotes in Phillipsport 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 Phillipsport
The car insurance rate in Phillipsport is $1286 for a six-month policy, which is $257 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $690, making it a popular choice for budget-conscious drivers. Rates in Phillipsport 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.
At $690 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 $914 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $921
for six months, making it
the third cheapest auto insurance company in Phillipsport.
Phillipsport Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Phillipsport, NY is Kemper, offering policies at just $690 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $914.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1923 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Phillipsport drivers find the best deals.
Way's key takeaways about car insurance in Phillipsport
The auto insurance costs in Phillipsport fall around $690 for six
months.
The cheapest auto insurance company in Phillipsport is New York Central Mutual Fire.
Teen drivers pay the highest rate in Phillipsport at $980 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 Phillipsport
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 Phillipsport are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in Phillipsport. Their Average 6 Month Premium is $326.
Preferred Mutual is the most
expensive at $861 for the same
period.
Cheapest Full Coverage Car Insurance in Phillipsport
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 Phillipsport is Kemper
at $118 per month and $690
for six months.
Cheapest Full Coverage Car Insurance Quotes in Phillipsport,
NY
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Average Car Insurance in Phillipsport 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 Phillipsport, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Phillipsport, 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, Phillipsport's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Phillipsport
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
$704
30s
National Grange Mutual
$501
40s
National Grange Mutual
$483
50s
National Grange Mutual
$490
60s
National Grange Mutual
$528
70s
National Grange Mutual
$724
Cheapest Car Insurance Rates for Teen Drivers in
Phillipsport,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Phillipsport at $78
per
month. At $5821 for a six-month premium,
State Farm offers the most expensive rate for
teen drivers.
If you are in your twenties National Grange Mutual is
the best choice for car
insurance in Phillipsport.
As young drivers face the highest rates in Phillipsport, National Grange Mutual
offers the cheapest auto insurance rates at $704 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 Phillipsport,
Chubb is
the cheapest car insurance provider. At $1003 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
Phillipsport is Progressive, offering
rates of around $6468 for six
months.
Save up to $971/yr on car insurance rates in Phillipsport.
Car Insurance Rates with An Accident in Phillipsport
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 Phillipsport, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Phillipsport
The cheapest car insurance companies after an at-fault accident in
Phillipsport include Kemper
and American Family, offering $579
and $594,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$720.
Here is a list of driving violations that can increase your car
insurance rates in Phillipsport NY. For example, the car
insurance in Phillipsport
after a DUI increases to $892 for a six
month policy. While the rate increases by $142 for a six-month policy in the case of
a speeding ticket.
Phillipsport auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1566
$261
One Med/PIP claim
$1566
$266
One comp claim
$1581
$264
Two comp claims
$1596
$271
Two Med/PIP claims
$1596
$266
Not-at-fault accident
$1604
$273
Failure to show documents
$1626
$271
Failure to wear a seat belt
$1634
$278
Driving with expired registration
$1649
$275
At-fault accident - less than $1000
$1656
$281
Cell phone violation
$1656
$276
Child safety restraint
$1656
$281
Driving without lights
$1656
$276
Failure to stop at a red light
$1656
$281
Failure to yield
$1656
$276
Following too closely
$1656
$281
Illegal turn
$1656
$276
Improper passing
$1656
$281
Passing school bus
$1656
$276
Texting while driving
$1656
$281
Wrong way/wrong lane
$1656
$276
Driving too slowly
$1671
$284
Speeding in school zone
$1671
$279
At-fault accident - $1000-$2000
$1678
$285
Speeding 11 - 15 MPH over limit
$1708
$285
Speeding 6 - 10 MPH over limit
$1708
$290
Operating a vehicle without permission
$1738
$290
Open container
$1760
$299
In 65 MPH zone
$1834
$306
Speeding 16 - 20 MPH over limit
$1856
$316
Speeding 21 - 25 MPH over limit
$1923
$320
At-fault accident - greater than $2000
$2071
$353
Reckless driving
$2213
$369
Racing
$2301
$391
Driving with a suspended license
$2384
$398
Refusal to submit to a chemical test
$2435
$414
DUI
$2458
$410
Leaving scene of an accident/hit and run
$2495
$424
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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 Phillipsport 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 Phillipsport.
The cheapest car insurance premiums in
Phillipsport are
offered by American Family at $564 for a six-month policy.
However, it can be as
expensive as $2518 with companies
like State Farm.
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 Phillipsport are offered by American Family
at $498. However,
it can be as expensive as $2554
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Phillipsport after Speeding ticket
Car Insurance Price Trends in Phillipsport,
New York
Car insurance rates in Phillipsport have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Phillipsport dipped by
$309 in December
compared to $310 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 Phillipsport dipped to $106 in December,
compared to $110 in November.
This represents an decrease of $4
when comparing December and November.
Average Car Insurance Cost in Phillipsport 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
Phillipsport. At $2572 for a
six-month policy, insuring
your car at 12769 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Phillipsport?
The car insurance in Phillipsport is $55 per month, which is lower than the national average.
What is the cheapest car insurance in Phillipsport?
The cheapest car insurance in Phillipsport
is $118 per month
for full coverage.
How much is car insurance in Phillipsport for teenagers?
Car insurance for teenagers costs $468 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
Phillipsport?
The average cost of car insurance is $1029 for a six-month
policy. It will cost around $216 per month to insure your
car in Phillipsport.
Is car insurance expensive in Phillipsport?
Car insurance can be expensive in Phillipsport if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Phillipsport can be
affordable.
What is the best car insurance in Phillipsport,
NY?
The best car insurance company in Phillipsport
NY is
Kemper, offering $690 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Phillipsport, NY
Car Insurance Rates by State in the USA (2025 Update)
Phillipsport Car Insurance
