Cheapest Car Insurance Quotes in Plainedge

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Plainedge Car Insurance

^$ 63

/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 Plainedge

The car insurance rate in Plainedge is $1668 for a six-month policy, which is $510 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $795, making it a popular choice for budget-conscious drivers. Rates in Plainedge 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 Plainedge

$1668

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Plainedge

1st place: Kemper

At $795 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 $1053 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1120 for six months, making it the third cheapest auto insurance company in Plainedge.

Plainedge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Plainedge, NY is Kemper, offering policies at just $795 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1053.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $2557 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Plainedge drivers find the best deals.

Cheap Car Insurance Companies in Plainedge, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$795	$135
New York Central Mutual Fire	$1053	$176
Progressive	$1120	$189
American Family	$1231	$207
NYCM	$1489	$251
USAA	$1650	$278
Erie	$1685	$284
Nationwide	$1839	$307
Travelers	$1873	$315
State Farm	$2232	$376
Allstate	$2497	$420
Chubb	$2557	$426

Key Takeaways

Way's key takeaways about car insurance in Plainedge

The auto insurance costs in Plainedge fall around $795 for six months.
The cheapest auto insurance company in Plainedge is New York Central Mutual Fire.
Teen drivers pay the highest rate in Plainedge at $1286 per month.

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Cheapest Minimum Liability Car Insurance in Plainedge

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 Plainedge are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Plainedge. Their Average 6 Month Premium is $376. Preferred Mutual is the most expensive at $992 for the same period.

Cheapest Liability Coverage in Plainedge, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$376	$63
NYCM	$445	$73
Kemper	$462	$79
American Family	$556	$94
Progressive	$573	$96
USAA	$736	$124
Erie	$907	$154
Travelers	$975	$163
Allstate	$1044	$177
State Farm	$1112	$186
Nationwide	$719	$120
Utica National	$821	$140
Preferred Mutual	$992	$166

Cheapest Full Coverage Car Insurance in Plainedge

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 Plainedge is Kemper at $135 per month and $795 for six months.

Cheapest Full Coverage Car Insurance Quotes in Plainedge, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$795	$135
New York Central Mutual Fire	$1053	$176
Progressive	$1120	$189
American Family	$1231	$207
NYCM	$1489	$251
USAA	$1650	$278
Erie	$1685	$284
Nationwide	$1839	$307
Travelers	$1873	$315
State Farm	$2232	$376
Allstate	$2497	$420
Chubb	$2557	$426

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Average Car Insurance in Plainedge 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 Plainedge, NY increasing?

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

Car Insurance Premiums by Age in Plainedge

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 Plainedge,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Plainedge at $92 per month. At $7638 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$539	$92
American Family	$649	$109
NYCM	$1437	$242
Progressive	$1771	$298
New York Central Mutual Fire	$1873	$318
Erie	$3601	$600
USAA	$3960	$667
Travelers	$5208	$877
Nationwide	$5423	$922
Chubb	$5679	$946
Allstate	$6535	$1100
State Farm	$7638	$1286

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 Plainedge, Kemper is the cheapest car insurance provider. At $1207 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 Plainedge is Progressive, offering rates of around $7227 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1207	$202
Nationwide	$1839	$312
Chubb	$2182	$367
USAA	$2651	$451
Erie	$2822	$475
American Family	$2866	$487
NYCM	$3208	$534
Allstate	$3498	$589
Mercury	$3567	$595
State Farm	$3686	$621
Travelers	$4268	$719
Progressive	$7227	$1217

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Car Insurance Rates with An Accident in Plainedge

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

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

The cheapest car insurance companies after an at-fault accident in Plainedge include Kemper and American Family, offering $667 and $684, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $829.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$667	$111
American Family	$684	$115
Progressive	$1053	$177
NYCM	$1070	$180
New York Central Mutual Fire	$1266	$212
USAA	$1437	$242
Erie	$1839	$310
Chubb	$2087	$351
Allstate	$2249	$379
Travelers	$2318	$390
Nationwide	$2429	$405
State Farm	$2840	$478
Utica National	$821	$140
Preferred Mutual	$829	$138

Plainedge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Plainedge NY. For example, the car insurance in Plainedge after a DUI increases to $1027 for a six month policy. While the rate increases by $163 for a six-month policy in the case of a speeding ticket.

Plainedge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1804	$301
One Med/PIP claim	$1804	$307
One comp claim	$1822	$304
Two comp claims	$1839	$312
Two Med/PIP claims	$1839	$307
Not-at-fault accident	$1848	$314
Failure to show documents	$1873	$312
Failure to wear a seat belt	$1882	$320
Driving with expired registration	$1899	$317
At-fault accident - less than $1000	$1908	$324
Cell phone violation	$1908	$318
Child safety restraint	$1908	$324
Driving without lights	$1908	$318
Failure to stop at a red light	$1908	$324
Failure to yield	$1908	$318
Following too closely	$1908	$324
Illegal turn	$1908	$318
Improper passing	$1908	$324
Passing school bus	$1908	$318
Texting while driving	$1908	$324
Wrong way/wrong lane	$1908	$318
Driving too slowly	$1925	$327
Speeding in school zone	$1925	$321
At-fault accident - $1000-$2000	$1932	$328
Speeding 11 - 15 MPH over limit	$1967	$328
Speeding 6 - 10 MPH over limit	$1967	$334
Operating a vehicle without permission	$2002	$334
Open container	$2028	$344
In 65 MPH zone	$2112	$353
Speeding 16 - 20 MPH over limit	$2138	$364
Speeding 21 - 25 MPH over limit	$2215	$369
At-fault accident - greater than $2000	$2386	$406
Reckless driving	$2549	$425
Racing	$2651	$451
Driving with a suspended license	$2746	$458
Refusal to submit to a chemical test	$2805	$477
DUI	$2831	$472
Leaving scene of an accident/hit and run	$2874	$488

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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 Plainedge 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 Plainedge.

The cheapest car insurance premiums in Plainedge are offered by American Family at $649 for a six-month policy. However, it can be as expensive as $3208 with companies like Chubb.

Plainedge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$649	$109
Kemper	$684	$117
Progressive	$881	$148
NYCM	$1335	$225
New York Central Mutual Fire	$1539	$256
USAA	$1754	$295
Travelers	$2292	$386
Allstate	$2712	$456
Erie	$2796	$467
Nationwide	$3037	$517
State Farm	$3191	$537
Chubb	$3208	$546

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 Plainedge are offered by American Family at $573. However, it can be as expensive as $3652 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Plainedge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$573	$95
Kemper	$573	$98
Progressive	$829	$140
NYCM	$1344	$229
USAA	$1557	$259
Erie	$1822	$310
Nationwide	$1839	$307
Travelers	$2121	$360
State Farm	$2566	$428
Chubb	$3037	$517
Allstate	$3652	$609

Car Insurance Price Trends in Plainedge, New York

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

The average cost of full coverage in the Plainedge rose by $396 in January compared to $356 of December. In other words, there has been an increase by $40 when you compare January and December.

The average cost of liability insurance in the Plainedge dipped to $115 in January, compared to $122 in December. This represents an decrease of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Plainedge?

The car insurance in Plainedge is $63 per month, which is lower than the national average.

What is the cheapest car insurance in Plainedge?

The cheapest car insurance in Plainedge is $135 per month for full coverage.

How much is car insurance in Plainedge for teenagers?

Car insurance for teenagers costs $539 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 Plainedge?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $279 per month to insure your car in Plainedge.

Is car insurance expensive in Plainedge?

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

Cheapest Car Insurance Quotes in Plainedge

Why you can trust Way?

How Much Is Car Insurance in Plainedge

Avg. Car Insurance in Plainedge

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Plainedge

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Plainedge Car Insurance Rates by Company

Cheap Car Insurance Companies in Plainedge, NY

Way's key takeaways about car insurance in Plainedge

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Plainedge

Cheapest Liability Coverage in Plainedge, NY

Cheapest Full Coverage Car Insurance in Plainedge

Cheapest Full Coverage Car Insurance Quotes in Plainedge, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Plainedge by Rating Factor

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

Car Insurance Premiums by Age in Plainedge

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Plainedge,NY

If you are in your twenties N/A is the best choice for car insurance in Plainedge.

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 Plainedge

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

Plainedge Car Insurance Rates by Violation

Plainedge auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Plainedge after a DUI

Plainedge car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Plainedge after Speeding ticket

Car Insurance Price Trends in Plainedge, New York

Average Car Insurance Cost in Plainedge by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Plainedge, NY

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

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