Cheapest Car Insurance Quotes in Point Lookout

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399,755 Policies Sold

Point Lookout Car Insurance

^$ 76

/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 Point Lookout

The car insurance rate in Point Lookout is $1780 for a six-month policy, which is $751 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $955, making it a popular choice for budget-conscious drivers. Rates in Point Lookout 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 Point Lookout

$1780

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Point Lookout

1st place: Kemper

At $955 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 $1265 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1275 for six months, making it the third cheapest auto insurance company in Point Lookout.

Point Lookout Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Point Lookout, NY is Kemper, offering policies at just $955 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1265.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2661 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Point Lookout drivers find the best deals.

Cheap Car Insurance Companies in Point Lookout, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$955	$163
New York Central Mutual Fire	$1265	$211
Progressive	$1275	$215
American Family	$1479	$249
NYCM	$1552	$261
Erie	$1860	$310
Nationwide	$1870	$318
USAA	$1881	$317
State Farm	$2332	$393
Travelers	$2457	$413
Allstate	$2661	$448

Key Takeaways

Way's key takeaways about car insurance in Point Lookout

The auto insurance costs in Point Lookout fall around $955 for six months.
The cheapest auto insurance company in Point Lookout is New York Central Mutual Fire.
Teen drivers pay the highest rate in Point Lookout at $1356 per month.

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Cheapest Minimum Liability Car Insurance in Point Lookout

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 Point Lookout are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Point Lookout. Their Average 6 Month Premium is $452. Preferred Mutual is the most expensive at $1192 for the same period.

Cheapest Liability Coverage in Point Lookout, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$452	$76
NYCM	$472	$80
Kemper	$555	$92
Progressive	$657	$111
American Family	$668	$112
USAA	$811	$137
Nationwide	$863	$144
Erie	$1090	$185
State Farm	$1265	$213
Travelers	$1356	$228
Allstate	$1419	$239
Utica National	$986	$168
Preferred Mutual	$1192	$199

Cheapest Full Coverage Car Insurance in Point Lookout

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 Point Lookout is Kemper at $163 per month and $955 for six months.

Cheapest Full Coverage Car Insurance Quotes in Point Lookout, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$955	$163
New York Central Mutual Fire	$1265	$211
Progressive	$1275	$215
American Family	$1479	$249
NYCM	$1552	$261
Erie	$1860	$310
Nationwide	$1870	$318
USAA	$1881	$317
State Farm	$2332	$393
Travelers	$2457	$413
Allstate	$2661	$448

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Average Car Insurance in Point Lookout 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 Point Lookout, NY increasing?

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

Car Insurance Premiums by Age in Point Lookout

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	$974
30s	National Grange Mutual	$694
40s	National Grange Mutual	$668
50s	National Grange Mutual	$678
60s	National Grange Mutual	$730
70s	National Grange Mutual	$1002

Cheapest Car Insurance Rates for Teen Drivers in Point Lookout,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Point Lookout at $107 per month. At $8057 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$647	$107
American Family	$780	$131
NYCM	$1304	$220
Progressive	$2066	$348
New York Central Mutual Fire	$2251	$375
USAA	$4131	$695
Nationwide	$5396	$900
Travelers	$6680	$1125
Allstate	$7224	$1216
State Farm	$8057	$1356

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 Point Lookout.

As young drivers face the highest rates in Point Lookout, National Grange Mutual offers the cheapest auto insurance rates at $974 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 Point Lookout, Chubb is the cheapest car insurance provider. At $1387 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 Point Lookout is Progressive, offering rates of around $8951 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1387	$232
Kemper	$1450	$246
Nationwide	$1870	$311
USAA	$2590	$441
NYCM	$2702	$450
Erie	$2929	$498
American Family	$3443	$574
Allstate	$3524	$593
State Farm	$3649	$614
Mercury	$4285	$728
Travelers	$4377	$737
Progressive	$8951	$1507

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Save up to $971/yr on car insurance rates in Point Lookout.

Car Insurance Rates with An Accident in Point Lookout

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

Cheapest Car Insurance Companies after an At-Fault Accident in Point Lookout

The cheapest car insurance companies after an at-fault accident in Point Lookout include Kemper and American Family, offering $801 and $822, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $996.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$801	$133
American Family	$822	$138
NYCM	$996	$168
Erie	$1090	$185
Chubb	$1202	$201
Progressive	$1315	$221
New York Central Mutual Fire	$1521	$254
USAA	$1633	$275
Nationwide	$2457	$410
Allstate	$2477	$417
State Farm	$2991	$503
Travelers	$3041	$512
Utica National	$986	$168
Preferred Mutual	$996	$166

Point Lookout Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Point Lookout NY. For example, the car insurance in Point Lookout after a DUI increases to $1233 for a six month policy. While the rate increases by $195 for a six-month policy in the case of a speeding ticket.

Point Lookout auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2168	$362
One Med/PIP claim	$2168	$368
One comp claim	$2188	$365
Two comp claims	$2209	$375
Two Med/PIP claims	$2209	$368
Not-at-fault accident	$2220	$377
Failure to show documents	$2251	$375
Failure to wear a seat belt	$2261	$384
Driving with expired registration	$2282	$381
At-fault accident - less than $1000	$2292	$389
Cell phone violation	$2292	$382
Child safety restraint	$2292	$389
Driving without lights	$2292	$382
Failure to stop at a red light	$2292	$389
Failure to yield	$2292	$382
Following too closely	$2292	$389
Illegal turn	$2292	$382
Improper passing	$2292	$389
Passing school bus	$2292	$382
Texting while driving	$2292	$389
Wrong way/wrong lane	$2292	$382
Driving too slowly	$2313	$393
Speeding in school zone	$2313	$386
At-fault accident - $1000-$2000	$2322	$394
Speeding 11 - 15 MPH over limit	$2363	$394
Speeding 6 - 10 MPH over limit	$2363	$401
Operating a vehicle without permission	$2405	$401
Open container	$2436	$413
In 65 MPH zone	$2538	$424
Speeding 16 - 20 MPH over limit	$2569	$438
Speeding 21 - 25 MPH over limit	$2661	$443
At-fault accident - greater than $2000	$2867	$488
Reckless driving	$3062	$510
Racing	$3185	$541
Driving with a suspended license	$3299	$550
Refusal to submit to a chemical test	$3370	$573
DUI	$3401	$567
Leaving scene of an accident/hit and run	$3453	$586

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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 Point Lookout 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 Point Lookout.

The cheapest car insurance premiums in Point Lookout are offered by American Family at $780 for a six-month policy. However, it can be as expensive as $3484 with companies like State Farm.

Point Lookout car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$780	$131
Kemper	$822	$140
Progressive	$996	$168
NYCM	$1254	$211
New York Central Mutual Fire	$1849	$308
USAA	$1972	$332
Allstate	$2929	$493
Travelers	$3010	$507
Nationwide	$3052	$509
State Farm	$3484	$586

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 Point Lookout are offered by American Family at $689. However, it can be as expensive as $3534 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Point Lookout after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$689	$118
Kemper	$689	$114
Progressive	$853	$144
NYCM	$1140	$190
USAA	$1552	$265
Nationwide	$2138	$356
State Farm	$2313	$393
Travelers	$3380	$564
Allstate	$3534	$600

Car Insurance Price Trends in Point Lookout, New York

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

The average cost of full coverage in the Point Lookout dipped by $427 in December compared to $429 of November. In other words, there has been an decrease by $2 when you compare December and November.

The average cost of liability insurance in the Point Lookout dipped to $147 in December, compared to $152 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 Point Lookout?

The car insurance in Point Lookout is $76 per month, which is lower than the national average.

What is the cheapest car insurance in Point Lookout?

The cheapest car insurance in Point Lookout is $163 per month for full coverage.

How much is car insurance in Point Lookout for teenagers?

Car insurance for teenagers costs $647 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 Point Lookout?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $299 per month to insure your car in Point Lookout.

Is car insurance expensive in Point Lookout?

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

Cheapest Car Insurance Quotes in Point Lookout

Why you can trust Way?

How Much Is Car Insurance in Point Lookout

Avg. Car Insurance in Point Lookout

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Point Lookout

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Point Lookout Car Insurance Rates by Company

Cheap Car Insurance Companies in Point Lookout, NY

Way's key takeaways about car insurance in Point Lookout

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Point Lookout

Cheapest Liability Coverage in Point Lookout, NY

Cheapest Full Coverage Car Insurance in Point Lookout

Cheapest Full Coverage Car Insurance Quotes in Point Lookout, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Point Lookout by Rating Factor

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

Car Insurance Premiums by Age in Point Lookout

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Point Lookout,NY

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

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 Point Lookout

Cheapest Car Insurance Companies after an At-Fault Accident in Point Lookout

Point Lookout Car Insurance Rates by Violation

Point Lookout auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Point Lookout after a DUI

Point Lookout car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Point Lookout after Speeding ticket

Car Insurance Price Trends in Point Lookout, New York

Average Car Insurance Cost in Point Lookout by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Point Lookout, NY

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

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