Cheapest Car Insurance Quotes in Phoenicia

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Phoenicia Car Insurance

^$ 45

/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 $1181 for a six-month policy, which is $23 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $563, 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

$1181

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Phoenicia

1st place: Kemper

At $563 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 $746 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $794 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 $563 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $746.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $1812 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	$563	$96
New York Central Mutual Fire	$746	$124
Progressive	$794	$134
American Family	$872	$147
NYCM	$1055	$177
USAA	$1169	$197
Erie	$1193	$201
Nationwide	$1303	$217
Travelers	$1327	$223
State Farm	$1581	$266
Allstate	$1769	$298
Chubb	$1812	$302

Key Takeaways

Way's key takeaways about car insurance in Phoenicia

The auto insurance costs in Phoenicia fall around $563 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 $911 per month.

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Save up to $971/yr with our auto insurance quotes

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 $266. Preferred Mutual is the most expensive at $703 for the same period.

Cheapest Liability Coverage in Phoenicia, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$266	$45
NYCM	$315	$52
Kemper	$327	$56
American Family	$394	$66
Progressive	$406	$68
USAA	$521	$88
Erie	$643	$109
Travelers	$691	$115
Allstate	$740	$125
State Farm	$787	$132
Nationwide	$509	$85
Utica National	$581	$99
Preferred Mutual	$703	$117

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 $96 per month and $563 for six months.

Cheapest Full Coverage Car Insurance Quotes in Phoenicia, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$563	$96
New York Central Mutual Fire	$746	$124
Progressive	$794	$134
American Family	$872	$147
NYCM	$1055	$177
USAA	$1169	$197
Erie	$1193	$201
Nationwide	$1303	$217
Travelers	$1327	$223
State Farm	$1581	$266
Allstate	$1769	$298
Chubb	$1812	$302

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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

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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 $65 per month. At $5410 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$381	$65
American Family	$460	$78
NYCM	$1018	$171
Progressive	$1255	$211
New York Central Mutual Fire	$1327	$225
Erie	$2551	$425
USAA	$2805	$472
Travelers	$3689	$621
Nationwide	$3841	$653
Chubb	$4023	$670
Allstate	$4629	$779
State Farm	$5410	$911

Teen Car Insurance Rates in NY by Age

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, Kemper is the cheapest car insurance provider. At $855 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 $5119 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$855	$143
Nationwide	$1303	$221
Chubb	$1545	$260
USAA	$1878	$319
Erie	$1999	$337
American Family	$2030	$345
NYCM	$2273	$378
Allstate	$2478	$417
Mercury	$2527	$421
State Farm	$2611	$440
Travelers	$3023	$509
Progressive	$5119	$862

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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 $472 and $485, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $588.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$472	$79
American Family	$485	$82
Progressive	$746	$125
NYCM	$758	$128
New York Central Mutual Fire	$897	$150
USAA	$1018	$171
Erie	$1303	$219
Chubb	$1478	$249
Allstate	$1593	$268
Travelers	$1642	$276
Nationwide	$1721	$287
State Farm	$2011	$339
Utica National	$581	$99
Preferred Mutual	$588	$98

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 $727 for a six month policy. While the rate increases by $115 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	$1278	$213
One Med/PIP claim	$1278	$217
One comp claim	$1290	$215
Two comp claims	$1303	$221
Two Med/PIP claims	$1303	$217
Not-at-fault accident	$1309	$222
Failure to show documents	$1327	$221
Failure to wear a seat belt	$1333	$226
Driving with expired registration	$1345	$224
At-fault accident - less than $1000	$1352	$230
Cell phone violation	$1352	$225
Child safety restraint	$1352	$230
Driving without lights	$1352	$225
Failure to stop at a red light	$1352	$230
Failure to yield	$1352	$225
Following too closely	$1352	$230
Illegal turn	$1352	$225
Improper passing	$1352	$230
Passing school bus	$1352	$225
Texting while driving	$1352	$230
Wrong way/wrong lane	$1352	$225
Driving too slowly	$1364	$232
Speeding in school zone	$1364	$227
At-fault accident - $1000-$2000	$1369	$233
Speeding 11 - 15 MPH over limit	$1393	$233
Speeding 6 - 10 MPH over limit	$1393	$237
Operating a vehicle without permission	$1418	$237
Open container	$1436	$244
In 65 MPH zone	$1496	$250
Speeding 16 - 20 MPH over limit	$1515	$258
Speeding 21 - 25 MPH over limit	$1569	$261
At-fault accident - greater than $2000	$1690	$288
Reckless driving	$1805	$301
Racing	$1878	$319
Driving with a suspended license	$1945	$324
Refusal to submit to a chemical test	$1987	$338
DUI	$2005	$335
Leaving scene of an accident/hit and run	$2036	$346

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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 $460 for a six-month policy. However, it can be as expensive as $2273 with companies like Chubb.

Phoenicia car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$460	$78
Kemper	$485	$83
Progressive	$624	$105
NYCM	$946	$159
New York Central Mutual Fire	$1090	$182
USAA	$1242	$209
Travelers	$1624	$273
Allstate	$1921	$323
Erie	$1981	$330
Nationwide	$2151	$366
State Farm	$2260	$380
Chubb	$2273	$387

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 $406. However, it can be as expensive as $2587 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	$406	$67
Kemper	$406	$69
Progressive	$588	$99
NYCM	$952	$162
USAA	$1103	$184
Erie	$1290	$219
Nationwide	$1303	$217
Travelers	$1502	$255
State Farm	$1818	$303
Chubb	$2151	$366
Allstate	$2587	$431

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 rose by $281 in January compared to $252 of December. In other words, there has been an increase by $29 when you compare January and December.

The average cost of liability insurance in the Phoenicia dipped to $82 in January, compared to $87 in December. This represents an decrease of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Phoenicia?

The car insurance in Phoenicia is $45 per month, which is lower than the national average.

What is the cheapest car insurance in Phoenicia?

The cheapest car insurance in Phoenicia is $96 per month for full coverage.

How much is car insurance in Phoenicia for teenagers?

Car insurance for teenagers costs $381 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 $1158 for a six-month policy. It will cost around $198 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 N/A 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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