Cheapest Car Insurance Quotes in Pine Hill

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Pine Hill 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 Pine Hill

The car insurance rate in Pine Hill is $1019 for a six-month policy, which is $10 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $546, making it a popular choice for budget-conscious drivers. Rates in Pine Hill 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 Pine Hill

$1019

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Pine Hill

1st place: Kemper

At $546 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 $724 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $730 for six months, making it the third cheapest auto insurance company in Pine Hill.

Pine Hill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pine Hill, NY is Kemper, offering policies at just $546 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $724.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1523 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pine Hill drivers find the best deals.

Cheap Car Insurance Companies in Pine Hill, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$546	$93
New York Central Mutual Fire	$724	$121
Progressive	$730	$123
American Family	$846	$143
NYCM	$888	$149
Erie	$1064	$177
Nationwide	$1070	$182
USAA	$1076	$181
State Farm	$1335	$225
Travelers	$1406	$237
Allstate	$1523	$256

Key Takeaways

Way's key takeaways about car insurance in Pine Hill

The auto insurance costs in Pine Hill fall around $546 for six months.
The cheapest auto insurance company in Pine Hill is New York Central Mutual Fire.
Teen drivers pay the highest rate in Pine Hill at $776 per month.

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Cheapest Minimum Liability Car Insurance in Pine Hill

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 Pine Hill are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Pine Hill. Their Average 6 Month Premium is $258. Preferred Mutual is the most expensive at $682 for the same period.

Cheapest Liability Coverage in Pine Hill, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$258	$44
NYCM	$270	$46
Kemper	$318	$52
Progressive	$376	$63
American Family	$382	$64
USAA	$464	$78
Nationwide	$494	$82
Erie	$624	$106
State Farm	$724	$122
Travelers	$776	$131
Allstate	$812	$137
Utica National	$564	$96
Preferred Mutual	$682	$114

Cheapest Full Coverage Car Insurance in Pine Hill

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 Pine Hill is Kemper at $93 per month and $546 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pine Hill, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$546	$93
New York Central Mutual Fire	$724	$121
Progressive	$730	$123
American Family	$846	$143
NYCM	$888	$149
Erie	$1064	$177
Nationwide	$1070	$182
USAA	$1076	$181
State Farm	$1335	$225
Travelers	$1406	$237
Allstate	$1523	$256

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Average Car Insurance in Pine Hill 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 Pine Hill, NY increasing?

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

Car Insurance Premiums by Age in Pine Hill

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	$557
30s	National Grange Mutual	$397
40s	National Grange Mutual	$382
50s	National Grange Mutual	$388
60s	National Grange Mutual	$418
70s	National Grange Mutual	$573

Cheapest Car Insurance Rates for Teen Drivers in Pine Hill,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Pine Hill at $61 per month. At $4610 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$370	$61
American Family	$446	$75
NYCM	$746	$126
Progressive	$1182	$199
New York Central Mutual Fire	$1288	$215
USAA	$2364	$398
Nationwide	$3088	$515
Travelers	$3822	$644
Allstate	$4134	$696
State Farm	$4610	$776

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 Pine Hill.

As young drivers face the highest rates in Pine Hill, National Grange Mutual offers the cheapest auto insurance rates at $557 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 Pine Hill, Chubb is the cheapest car insurance provider. At $794 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 Pine Hill is Progressive, offering rates of around $5122 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$794	$133
Kemper	$830	$141
Nationwide	$1070	$178
USAA	$1482	$252
NYCM	$1546	$257
Erie	$1676	$285
American Family	$1970	$329
Allstate	$2017	$340
State Farm	$2088	$351
Mercury	$2452	$417
Travelers	$2505	$422
Progressive	$5122	$862

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Car Insurance Rates with An Accident in Pine Hill

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

Cheapest Car Insurance Companies after an At-Fault Accident in Pine Hill

The cheapest car insurance companies after an at-fault accident in Pine Hill include Kemper and American Family, offering $458 and $470, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $570.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$458	$76
American Family	$470	$79
NYCM	$570	$96
Erie	$624	$106
Chubb	$688	$115
Progressive	$752	$127
New York Central Mutual Fire	$870	$146
USAA	$935	$157
Nationwide	$1406	$235
Allstate	$1418	$239
State Farm	$1712	$288
Travelers	$1740	$293
Utica National	$564	$96
Preferred Mutual	$570	$95

Pine Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pine Hill NY. For example, the car insurance in Pine Hill after a DUI increases to $706 for a six month policy. While the rate increases by $112 for a six-month policy in the case of a speeding ticket.

Pine Hill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1240	$207
One Med/PIP claim	$1240	$211
One comp claim	$1252	$209
Two comp claims	$1264	$215
Two Med/PIP claims	$1264	$211
Not-at-fault accident	$1270	$216
Failure to show documents	$1288	$215
Failure to wear a seat belt	$1294	$220
Driving with expired registration	$1306	$218
At-fault accident - less than $1000	$1312	$223
Cell phone violation	$1312	$219
Child safety restraint	$1312	$223
Driving without lights	$1312	$219
Failure to stop at a red light	$1312	$223
Failure to yield	$1312	$219
Following too closely	$1312	$223
Illegal turn	$1312	$219
Improper passing	$1312	$223
Passing school bus	$1312	$219
Texting while driving	$1312	$223
Wrong way/wrong lane	$1312	$219
Driving too slowly	$1324	$225
Speeding in school zone	$1324	$221
At-fault accident - $1000-$2000	$1329	$226
Speeding 11 - 15 MPH over limit	$1352	$226
Speeding 6 - 10 MPH over limit	$1352	$230
Operating a vehicle without permission	$1376	$230
Open container	$1394	$237
In 65 MPH zone	$1452	$243
Speeding 16 - 20 MPH over limit	$1470	$250
Speeding 21 - 25 MPH over limit	$1523	$253
At-fault accident - greater than $2000	$1640	$279
Reckless driving	$1752	$292
Racing	$1823	$310
Driving with a suspended license	$1888	$315
Refusal to submit to a chemical test	$1929	$328
DUI	$1946	$325
Leaving scene of an accident/hit and run	$1976	$336

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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 Pine Hill 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 Pine Hill.

The cheapest car insurance premiums in Pine Hill are offered by American Family at $446 for a six-month policy. However, it can be as expensive as $1994 with companies like State Farm.

Pine Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$446	$75
Kemper	$470	$80
Progressive	$570	$96
NYCM	$718	$121
New York Central Mutual Fire	$1058	$176
USAA	$1129	$190
Allstate	$1676	$282
Travelers	$1723	$290
Nationwide	$1746	$291
State Farm	$1994	$336

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 Pine Hill are offered by American Family at $394. However, it can be as expensive as $2023 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Pine Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$394	$67
Kemper	$394	$65
Progressive	$488	$82
NYCM	$652	$109
USAA	$888	$151
Nationwide	$1224	$204
State Farm	$1324	$225
Travelers	$1934	$323
Allstate	$2023	$344

Car Insurance Price Trends in Pine Hill, New York

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

The average cost of full coverage in the Pine Hill dipped by $245 in December compared to $246 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 Pine Hill dipped to $84 in December, compared to $87 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 Pine Hill?

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

What is the cheapest car insurance in Pine Hill?

The cheapest car insurance in Pine Hill is $93 per month for full coverage.

How much is car insurance in Pine Hill for teenagers?

Car insurance for teenagers costs $370 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 Pine Hill?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $171 per month to insure your car in Pine Hill.

Is car insurance expensive in Pine Hill?

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

Cheapest Car Insurance Quotes in Pine Hill

Why you can trust Way?

How Much Is Car Insurance in Pine Hill

Avg. Car Insurance in Pine Hill

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Pine Hill

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Pine Hill Car Insurance Rates by Company

Cheap Car Insurance Companies in Pine Hill, NY

Way's key takeaways about car insurance in Pine Hill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Pine Hill

Cheapest Liability Coverage in Pine Hill, NY

Cheapest Full Coverage Car Insurance in Pine Hill

Cheapest Full Coverage Car Insurance Quotes in Pine Hill, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Pine Hill by Rating Factor

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

Car Insurance Premiums by Age in Pine Hill

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Pine Hill,NY

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

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 Pine Hill

Cheapest Car Insurance Companies after an At-Fault Accident in Pine Hill

Pine Hill Car Insurance Rates by Violation

Pine Hill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Pine Hill after a DUI

Pine Hill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Pine Hill after Speeding ticket

Car Insurance Price Trends in Pine Hill, New York

Average Car Insurance Cost in Pine Hill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Pine Hill, NY

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

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