Cheapest Car Insurance Quotes in Phoenicia

Finding the cheapest car insurance quotes in Phoenicia 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.
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Phoenicia Car Insurance

^$ 44

/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 Phoenicia

The car insurance rate in Phoenicia is $1039 for a six-month policy, which is $10 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $558, making it a popular choice for budget-conscious drivers. Rates in Phoenicia 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 Phoenicia

$1039

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Phoenicia

1st place: Kemper

At $558 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 $738 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $744 for six months, making it the third cheapest auto insurance company in Phoenicia.

Phoenicia Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Phoenicia, NY is Kemper, offering policies at just $558 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $738.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1553 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Phoenicia drivers find the best deals.

Cheap Car Insurance Companies in Phoenicia, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$558	$95
New York Central Mutual Fire	$738	$123
Progressive	$744	$125
American Family	$864	$145
NYCM	$906	$153
Erie	$1086	$181
Nationwide	$1092	$186
USAA	$1098	$185
State Farm	$1361	$229
Travelers	$1434	$241
Allstate	$1553	$262

Key Takeaways

Way's key takeaways about car insurance in Phoenicia

The auto insurance costs in Phoenicia fall around $558 for six months.
The cheapest auto insurance company in Phoenicia is New York Central Mutual Fire.
Teen drivers pay the highest rate in Phoenicia at $792 per month.

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Cheapest Minimum Liability Car Insurance in Phoenicia

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 Phoenicia are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Phoenicia. Their Average 6 Month Premium is $264. Preferred Mutual is the most expensive at $696 for the same period.

Cheapest Liability Coverage in Phoenicia, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$264	$44
NYCM	$276	$46
Kemper	$324	$54
Progressive	$384	$65
American Family	$390	$66
USAA	$474	$80
Nationwide	$504	$84
Erie	$636	$108
State Farm	$738	$124
Travelers	$792	$133
Allstate	$828	$139
Utica National	$576	$98
Preferred Mutual	$696	$116

Cheapest Full Coverage Car Insurance in Phoenicia

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 Phoenicia is Kemper at $95 per month and $558 for six months.

Cheapest Full Coverage Car Insurance Quotes in Phoenicia, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$558	$95
New York Central Mutual Fire	$738	$123
Progressive	$744	$125
American Family	$864	$145
NYCM	$906	$153
Erie	$1086	$181
Nationwide	$1092	$186
USAA	$1098	$185
State Farm	$1361	$229
Travelers	$1434	$241
Allstate	$1553	$262

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Average Car Insurance in Phoenicia 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 Phoenicia, NY increasing?

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

Car Insurance Premiums by Age in Phoenicia

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	$569
30s	National Grange Mutual	$405
40s	National Grange Mutual	$390
50s	National Grange Mutual	$396
60s	National Grange Mutual	$426
70s	National Grange Mutual	$585

Cheapest Car Insurance Rates for Teen Drivers in Phoenicia,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Phoenicia at $63 per month. At $4704 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$378	$63
American Family	$456	$77
NYCM	$762	$128
Progressive	$1206	$203
New York Central Mutual Fire	$1314	$219
USAA	$2412	$406
Nationwide	$3150	$525
Travelers	$3900	$657
Allstate	$4218	$710
State Farm	$4704	$792

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 Phoenicia.

As young drivers face the highest rates in Phoenicia, National Grange Mutual offers the cheapest auto insurance rates at $569 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 Phoenicia, Chubb is the cheapest car insurance provider. At $810 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 Phoenicia is Progressive, offering rates of around $5226 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$810	$135
Kemper	$846	$143
Nationwide	$1092	$182
USAA	$1512	$258
NYCM	$1578	$263
Erie	$1710	$291
American Family	$2010	$335
Allstate	$2057	$346
State Farm	$2130	$359
Mercury	$2502	$425
Travelers	$2555	$430
Progressive	$5226	$880

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

Car Insurance Rates with An Accident in Phoenicia

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

Cheapest Car Insurance Companies after an At-Fault Accident in Phoenicia

The cheapest car insurance companies after an at-fault accident in Phoenicia include Kemper and American Family, offering $468 and $480, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $582.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$468	$78
American Family	$480	$81
NYCM	$582	$98
Erie	$636	$108
Chubb	$702	$117
Progressive	$768	$129
New York Central Mutual Fire	$888	$148
USAA	$953	$161
Nationwide	$1434	$239
Allstate	$1446	$243
State Farm	$1746	$294
Travelers	$1776	$299
Utica National	$576	$98
Preferred Mutual	$582	$97

Phoenicia Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Phoenicia NY. For example, the car insurance in Phoenicia after a DUI increases to $720 for a six month policy. While the rate increases by $114 for a six-month policy in the case of a speeding ticket.

Phoenicia auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1266	$211
One Med/PIP claim	$1266	$215
One comp claim	$1278	$213
Two comp claims	$1290	$219
Two Med/PIP claims	$1290	$215
Not-at-fault accident	$1296	$220
Failure to show documents	$1314	$219
Failure to wear a seat belt	$1320	$224
Driving with expired registration	$1332	$222
At-fault accident - less than $1000	$1338	$227
Cell phone violation	$1338	$223
Child safety restraint	$1338	$227
Driving without lights	$1338	$223
Failure to stop at a red light	$1338	$227
Failure to yield	$1338	$223
Following too closely	$1338	$227
Illegal turn	$1338	$223
Improper passing	$1338	$227
Passing school bus	$1338	$223
Texting while driving	$1338	$227
Wrong way/wrong lane	$1338	$223
Driving too slowly	$1350	$229
Speeding in school zone	$1350	$225
At-fault accident - $1000-$2000	$1355	$230
Speeding 11 - 15 MPH over limit	$1380	$230
Speeding 6 - 10 MPH over limit	$1380	$234
Operating a vehicle without permission	$1404	$234
Open container	$1422	$241
In 65 MPH zone	$1482	$247
Speeding 16 - 20 MPH over limit	$1500	$256
Speeding 21 - 25 MPH over limit	$1553	$259
At-fault accident - greater than $2000	$1674	$285
Reckless driving	$1788	$298
Racing	$1859	$316
Driving with a suspended license	$1926	$321
Refusal to submit to a chemical test	$1967	$334
DUI	$1986	$331
Leaving scene of an accident/hit and run	$2016	$342

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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 Phoenicia 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 Phoenicia.

The cheapest car insurance premiums in Phoenicia are offered by American Family at $456 for a six-month policy. However, it can be as expensive as $2034 with companies like State Farm.

Phoenicia car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$456	$77
Kemper	$480	$82
Progressive	$582	$98
NYCM	$732	$123
New York Central Mutual Fire	$1080	$180
USAA	$1151	$194
Allstate	$1710	$288
Travelers	$1757	$296
Nationwide	$1782	$297
State Farm	$2034	$342

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 Phoenicia are offered by American Family at $402. However, it can be as expensive as $2063 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Phoenicia after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$402	$69
Kemper	$402	$67
Progressive	$498	$84
NYCM	$666	$111
USAA	$906	$155
Nationwide	$1248	$208
State Farm	$1350	$229
Travelers	$1974	$329
Allstate	$2063	$350

Car Insurance Price Trends in Phoenicia, New York

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

The average cost of full coverage in the Phoenicia dipped by $249 in December compared to $250 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 Phoenicia dipped to $86 in December, compared to $89 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 Phoenicia?

The car insurance in Phoenicia is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Phoenicia?

The cheapest car insurance in Phoenicia is $95 per month for full coverage.

How much is car insurance in Phoenicia for teenagers?

Car insurance for teenagers costs $378 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 Phoenicia?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $175 per month to insure your car in Phoenicia.

Is car insurance expensive in Phoenicia?

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

Cheapest Car Insurance Quotes in Phoenicia

Why you can trust Way?

How Much Is Car Insurance in Phoenicia

Avg. Car Insurance in Phoenicia

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Phoenicia

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Phoenicia Car Insurance Rates by Company

Cheap Car Insurance Companies in Phoenicia, NY

Way's key takeaways about car insurance in Phoenicia

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Phoenicia

Cheapest Liability Coverage in Phoenicia, NY

Cheapest Full Coverage Car Insurance in Phoenicia

Cheapest Full Coverage Car Insurance Quotes in Phoenicia, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Phoenicia by Rating Factor

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

Car Insurance Premiums by Age in Phoenicia

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Phoenicia,NY

If you are in your twenties National Grange Mutual is the best choice for car insurance in Phoenicia.

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 Phoenicia

Cheapest Car Insurance Companies after an At-Fault Accident in Phoenicia

Phoenicia Car Insurance Rates by Violation

Phoenicia auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Phoenicia after a DUI

Phoenicia car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Phoenicia after Speeding ticket

Car Insurance Price Trends in Phoenicia, New York

Average Car Insurance Cost in Phoenicia by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Phoenicia, NY

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

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