Cheapest Car Insurance Quotes in Plandome Heights

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Plandome Heights Car Insurance

^$ 69

/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 Plandome Heights

The car insurance rate in Plandome Heights is $1616 for a six-month policy, which is $587 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $867, making it a popular choice for budget-conscious drivers. Rates in Plandome Heights 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 Plandome Heights

$1616

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Plandome Heights

1st place: Kemper

At $867 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 $1148 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1157 for six months, making it the third cheapest auto insurance company in Plandome Heights.

Plandome Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Plandome Heights, NY is Kemper, offering policies at just $867 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1148.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2415 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Plandome Heights drivers find the best deals.

Cheap Car Insurance Companies in Plandome Heights, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$867	$148
New York Central Mutual Fire	$1148	$192
Progressive	$1157	$195
American Family	$1342	$226
NYCM	$1408	$237
Erie	$1688	$281
Nationwide	$1697	$289
USAA	$1707	$287
State Farm	$2116	$356
Travelers	$2229	$375
Allstate	$2415	$407

Key Takeaways

Way's key takeaways about car insurance in Plandome Heights

The auto insurance costs in Plandome Heights fall around $867 for six months.
The cheapest auto insurance company in Plandome Heights is New York Central Mutual Fire.
Teen drivers pay the highest rate in Plandome Heights at $1231 per month.

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Cheapest Minimum Liability Car Insurance in Plandome Heights

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 Plandome Heights are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Plandome Heights. Their Average 6 Month Premium is $410. Preferred Mutual is the most expensive at $1082 for the same period.

Cheapest Liability Coverage in Plandome Heights, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$410	$69
NYCM	$429	$72
Kemper	$504	$83
Progressive	$597	$100
American Family	$606	$102
USAA	$736	$124
Nationwide	$783	$130
Erie	$989	$168
State Farm	$1148	$193
Travelers	$1231	$207
Allstate	$1287	$217
Utica National	$895	$152
Preferred Mutual	$1082	$181

Cheapest Full Coverage Car Insurance in Plandome Heights

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 Plandome Heights is Kemper at $148 per month and $867 for six months.

Cheapest Full Coverage Car Insurance Quotes in Plandome Heights, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$867	$148
New York Central Mutual Fire	$1148	$192
Progressive	$1157	$195
American Family	$1342	$226
NYCM	$1408	$237
Erie	$1688	$281
Nationwide	$1697	$289
USAA	$1707	$287
State Farm	$2116	$356
Travelers	$2229	$375
Allstate	$2415	$407

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Average Car Insurance in Plandome Heights 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 Plandome Heights, NY increasing?

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

Car Insurance Premiums by Age in Plandome Heights

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	$884
30s	National Grange Mutual	$630
40s	National Grange Mutual	$606
50s	National Grange Mutual	$615
60s	National Grange Mutual	$663
70s	National Grange Mutual	$909

Cheapest Car Insurance Rates for Teen Drivers in Plandome Heights,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Plandome Heights at $97 per month. At $7311 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$587	$97
American Family	$708	$119
NYCM	$1184	$199
Progressive	$1875	$316
New York Central Mutual Fire	$2043	$341
USAA	$3749	$631
Nationwide	$4897	$816
Travelers	$6062	$1021
Allstate	$6556	$1104
State Farm	$7311	$1231

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 Plandome Heights.

As young drivers face the highest rates in Plandome Heights, National Grange Mutual offers the cheapest auto insurance rates at $884 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 Plandome Heights, Chubb is the cheapest car insurance provider. At $1259 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 Plandome Heights is Progressive, offering rates of around $8123 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1259	$210
Kemper	$1316	$223
Nationwide	$1697	$283
USAA	$2350	$400
NYCM	$2452	$408
Erie	$2658	$452
American Family	$3124	$521
Allstate	$3198	$539
State Farm	$3311	$557
Mercury	$3889	$661
Travelers	$3972	$669
Progressive	$8123	$1367

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Plandome Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in Plandome Heights

The cheapest car insurance companies after an at-fault accident in Plandome Heights include Kemper and American Family, offering $727 and $746, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $904.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$727	$121
American Family	$746	$126
NYCM	$904	$152
Erie	$989	$168
Chubb	$1091	$182
Progressive	$1193	$201
New York Central Mutual Fire	$1380	$231
USAA	$1482	$250
Nationwide	$2229	$372
Allstate	$2248	$378
State Farm	$2715	$457
Travelers	$2760	$465
Utica National	$895	$152
Preferred Mutual	$904	$151

Plandome Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Plandome Heights NY. For example, the car insurance in Plandome Heights after a DUI increases to $1120 for a six month policy. While the rate increases by $178 for a six-month policy in the case of a speeding ticket.

Plandome Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1967	$328
One Med/PIP claim	$1967	$334
One comp claim	$1986	$331
Two comp claims	$2005	$341
Two Med/PIP claims	$2005	$334
Not-at-fault accident	$2014	$342
Failure to show documents	$2043	$341
Failure to wear a seat belt	$2052	$349
Driving with expired registration	$2071	$345
At-fault accident - less than $1000	$2080	$353
Cell phone violation	$2080	$347
Child safety restraint	$2080	$353
Driving without lights	$2080	$347
Failure to stop at a red light	$2080	$353
Failure to yield	$2080	$347
Following too closely	$2080	$353
Illegal turn	$2080	$347
Improper passing	$2080	$353
Passing school bus	$2080	$347
Texting while driving	$2080	$353
Wrong way/wrong lane	$2080	$347
Driving too slowly	$2099	$356
Speeding in school zone	$2099	$350
At-fault accident - $1000-$2000	$2107	$358
Speeding 11 - 15 MPH over limit	$2145	$358
Speeding 6 - 10 MPH over limit	$2145	$364
Operating a vehicle without permission	$2182	$364
Open container	$2211	$375
In 65 MPH zone	$2303	$385
Speeding 16 - 20 MPH over limit	$2331	$397
Speeding 21 - 25 MPH over limit	$2415	$402
At-fault accident - greater than $2000	$2601	$443
Reckless driving	$2779	$463
Racing	$2890	$491
Driving with a suspended license	$2994	$499
Refusal to submit to a chemical test	$3058	$520
DUI	$3087	$515
Leaving scene of an accident/hit and run	$3134	$532

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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 Plandome Heights 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 Plandome Heights.

The cheapest car insurance premiums in Plandome Heights are offered by American Family at $708 for a six-month policy. However, it can be as expensive as $3162 with companies like State Farm.

Plandome Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$708	$119
Kemper	$746	$127
Progressive	$904	$152
NYCM	$1138	$192
New York Central Mutual Fire	$1678	$279
USAA	$1790	$301
Allstate	$2658	$447
Travelers	$2732	$460
Nationwide	$2769	$462
State Farm	$3162	$532

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 Plandome Heights are offered by American Family at $625. However, it can be as expensive as $3208 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Plandome Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$625	$107
Kemper	$625	$104
Progressive	$774	$130
NYCM	$1035	$173
USAA	$1408	$240
Nationwide	$1941	$323
State Farm	$2099	$356
Travelers	$3068	$512
Allstate	$3208	$545

Car Insurance Price Trends in Plandome Heights, New York

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

The average cost of full coverage in the Plandome Heights dipped by $388 in December compared to $389 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 Plandome Heights dipped to $133 in December, compared to $138 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 Plandome Heights?

The car insurance in Plandome Heights is $69 per month, which is lower than the national average.

What is the cheapest car insurance in Plandome Heights?

The cheapest car insurance in Plandome Heights is $148 per month for full coverage.

How much is car insurance in Plandome Heights for teenagers?

Car insurance for teenagers costs $587 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 Plandome Heights?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $272 per month to insure your car in Plandome Heights.

Is car insurance expensive in Plandome Heights?

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

Cheapest Car Insurance Quotes in Plandome Heights

Why you can trust Way?

How Much Is Car Insurance in Plandome Heights

Avg. Car Insurance in Plandome Heights

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Plandome Heights

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Plandome Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Plandome Heights, NY

Way's key takeaways about car insurance in Plandome Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Plandome Heights

Cheapest Liability Coverage in Plandome Heights, NY

Cheapest Full Coverage Car Insurance in Plandome Heights

Cheapest Full Coverage Car Insurance Quotes in Plandome Heights, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Plandome Heights by Rating Factor

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

Car Insurance Premiums by Age in Plandome Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Plandome Heights,NY

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

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 Plandome Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Plandome Heights

Plandome Heights Car Insurance Rates by Violation

Plandome Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Plandome Heights after a DUI

Plandome Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Plandome Heights after Speeding ticket

Car Insurance Price Trends in Plandome Heights, New York

Average Car Insurance Cost in Plandome Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Plandome Heights, NY

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

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