Cheapest Car Insurance Quotes in Plainview

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Plainview Car Insurance

^$ 66

/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 Plainview

The car insurance rate in Plainview is $1554 for a six-month policy, which is $525 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $834, making it a popular choice for budget-conscious drivers. Rates in Plainview 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 Plainview

$1554

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Plainview

1st place: Kemper

At $834 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 $1104 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1113 for six months, making it the third cheapest auto insurance company in Plainview.

Plainview Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Plainview, NY is Kemper, offering policies at just $834 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1104.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2322 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Plainview drivers find the best deals.

Cheap Car Insurance Companies in Plainview, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$834	$142
New York Central Mutual Fire	$1104	$184
Progressive	$1113	$187
American Family	$1291	$217
NYCM	$1354	$228
Erie	$1623	$270
Nationwide	$1632	$278
USAA	$1641	$276
State Farm	$2035	$343
Travelers	$2144	$361
Allstate	$2322	$391

Key Takeaways

Way's key takeaways about car insurance in Plainview

The auto insurance costs in Plainview fall around $834 for six months.
The cheapest auto insurance company in Plainview is New York Central Mutual Fire.
Teen drivers pay the highest rate in Plainview at $1184 per month.

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Cheapest Minimum Liability Car Insurance in Plainview

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 Plainview are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Plainview. Their Average 6 Month Premium is $394. Preferred Mutual is the most expensive at $1040 for the same period.

Cheapest Liability Coverage in Plainview, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$394	$66
NYCM	$412	$69
Kemper	$485	$80
Progressive	$574	$97
American Family	$583	$98
USAA	$708	$119
Nationwide	$753	$125
Erie	$951	$162
State Farm	$1104	$186
Travelers	$1184	$199
Allstate	$1238	$208
Utica National	$861	$146
Preferred Mutual	$1040	$174

Cheapest Full Coverage Car Insurance in Plainview

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 Plainview is Kemper at $142 per month and $834 for six months.

Cheapest Full Coverage Car Insurance Quotes in Plainview, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$834	$142
New York Central Mutual Fire	$1104	$184
Progressive	$1113	$187
American Family	$1291	$217
NYCM	$1354	$228
Erie	$1623	$270
Nationwide	$1632	$278
USAA	$1641	$276
State Farm	$2035	$343
Travelers	$2144	$361
Allstate	$2322	$391

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Average Car Insurance in Plainview 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 Plainview, NY increasing?

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

Car Insurance Premiums by Age in Plainview

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	$850
30s	National Grange Mutual	$606
40s	National Grange Mutual	$583
50s	National Grange Mutual	$592
60s	National Grange Mutual	$637
70s	National Grange Mutual	$874

Cheapest Car Insurance Rates for Teen Drivers in Plainview,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Plainview at $94 per month. At $7032 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$565	$94
American Family	$681	$115
NYCM	$1139	$192
Progressive	$1803	$304
New York Central Mutual Fire	$1965	$328
USAA	$3606	$607
Nationwide	$4710	$785
Travelers	$5830	$982
Allstate	$6306	$1062
State Farm	$7032	$1184

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 Plainview.

As young drivers face the highest rates in Plainview, National Grange Mutual offers the cheapest auto insurance rates at $850 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 Plainview, Chubb is the cheapest car insurance provider. At $1211 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 Plainview is Progressive, offering rates of around $7813 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1211	$202
Kemper	$1265	$214
Nationwide	$1632	$272
USAA	$2260	$385
NYCM	$2359	$393
Erie	$2556	$435
American Family	$3005	$501
Allstate	$3076	$518
State Farm	$3185	$536
Mercury	$3740	$636
Travelers	$3820	$643
Progressive	$7813	$1315

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Car Insurance Rates with An Accident in Plainview

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

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

The cheapest car insurance companies after an at-fault accident in Plainview include Kemper and American Family, offering $699 and $717, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $870.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$699	$116
American Family	$717	$121
NYCM	$870	$146
Erie	$951	$162
Chubb	$1049	$175
Progressive	$1148	$193
New York Central Mutual Fire	$1327	$222
USAA	$1425	$240
Nationwide	$2144	$358
Allstate	$2162	$364
State Farm	$2611	$439
Travelers	$2655	$447
Utica National	$861	$146
Preferred Mutual	$870	$145

Plainview Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Plainview NY. For example, the car insurance in Plainview after a DUI increases to $1077 for a six month policy. While the rate increases by $171 for a six-month policy in the case of a speeding ticket.

Plainview auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1892	$316
One Med/PIP claim	$1892	$322
One comp claim	$1910	$319
Two comp claims	$1928	$328
Two Med/PIP claims	$1928	$322
Not-at-fault accident	$1937	$329
Failure to show documents	$1965	$328
Failure to wear a seat belt	$1974	$335
Driving with expired registration	$1992	$332
At-fault accident - less than $1000	$2001	$340
Cell phone violation	$2001	$334
Child safety restraint	$2001	$340
Driving without lights	$2001	$334
Failure to stop at a red light	$2001	$340
Failure to yield	$2001	$334
Following too closely	$2001	$340
Illegal turn	$2001	$334
Improper passing	$2001	$340
Passing school bus	$2001	$334
Texting while driving	$2001	$340
Wrong way/wrong lane	$2001	$334
Driving too slowly	$2019	$343
Speeding in school zone	$2019	$337
At-fault accident - $1000-$2000	$2026	$344
Speeding 11 - 15 MPH over limit	$2063	$344
Speeding 6 - 10 MPH over limit	$2063	$350
Operating a vehicle without permission	$2099	$350
Open container	$2126	$361
In 65 MPH zone	$2215	$370
Speeding 16 - 20 MPH over limit	$2242	$382
Speeding 21 - 25 MPH over limit	$2322	$387
At-fault accident - greater than $2000	$2502	$426
Reckless driving	$2673	$445
Racing	$2780	$473
Driving with a suspended license	$2880	$480
Refusal to submit to a chemical test	$2941	$500
DUI	$2969	$495
Leaving scene of an accident/hit and run	$3014	$512

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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 Plainview 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 Plainview.

The cheapest car insurance premiums in Plainview are offered by American Family at $681 for a six-month policy. However, it can be as expensive as $3041 with companies like State Farm.

Plainview car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$681	$115
Kemper	$717	$122
Progressive	$870	$146
NYCM	$1095	$184
New York Central Mutual Fire	$1614	$269
USAA	$1721	$290
Allstate	$2556	$430
Travelers	$2627	$442
Nationwide	$2664	$444
State Farm	$3041	$512

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 Plainview are offered by American Family at $601. However, it can be as expensive as $3085 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Plainview after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$601	$103
Kemper	$601	$100
Progressive	$744	$125
NYCM	$995	$166
USAA	$1354	$231
Nationwide	$1866	$311
State Farm	$2019	$343
Travelers	$2951	$492
Allstate	$3085	$524

Car Insurance Price Trends in Plainview, New York

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

The average cost of full coverage in the Plainview dipped by $373 in December compared to $374 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 Plainview dipped to $128 in December, compared to $133 in November. This represents an decrease of $5 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Plainview?

The car insurance in Plainview is $66 per month, which is lower than the national average.

What is the cheapest car insurance in Plainview?

The cheapest car insurance in Plainview is $142 per month for full coverage.

How much is car insurance in Plainview for teenagers?

Car insurance for teenagers costs $565 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 Plainview?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $261 per month to insure your car in Plainview.

Is car insurance expensive in Plainview?

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

Cheapest Car Insurance Quotes in Plainview

Why you can trust Way?

How Much Is Car Insurance in Plainview

Avg. Car Insurance in Plainview

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Plainview

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Plainview Car Insurance Rates by Company

Cheap Car Insurance Companies in Plainview, NY

Way's key takeaways about car insurance in Plainview

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Plainview

Cheapest Liability Coverage in Plainview, NY

Cheapest Full Coverage Car Insurance in Plainview

Cheapest Full Coverage Car Insurance Quotes in Plainview, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Plainview by Rating Factor

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

Car Insurance Premiums by Age in Plainview

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Plainview,NY

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

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 Plainview

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

Plainview Car Insurance Rates by Violation

Plainview auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Plainview after a DUI

Plainview car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Plainview after Speeding ticket

Car Insurance Price Trends in Plainview, New York

Average Car Insurance Cost in Plainview by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Plainview, NY

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

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