Cheapest Car Insurance Quotes in Rhinecliff

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Rhinecliff Car Insurance

^$ 46

/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 Rhinecliff

The car insurance rate in Rhinecliff is $1080 for a six-month policy, which is $51 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $580, making it a popular choice for budget-conscious drivers. Rates in Rhinecliff 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 Rhinecliff

$1080

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Rhinecliff

1st place: Kemper

At $580 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 $768 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $774 for six months, making it the third cheapest auto insurance company in Rhinecliff.

Rhinecliff Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rhinecliff, NY is Kemper, offering policies at just $580 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $768.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1615 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rhinecliff drivers find the best deals.

Cheap Car Insurance Companies in Rhinecliff, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$580	$99
New York Central Mutual Fire	$768	$128
Progressive	$774	$130
American Family	$898	$151
NYCM	$942	$159
Erie	$1129	$188
Nationwide	$1135	$193
USAA	$1141	$192
State Farm	$1415	$238
Travelers	$1491	$251
Allstate	$1615	$272

Key Takeaways

Way's key takeaways about car insurance in Rhinecliff

The auto insurance costs in Rhinecliff fall around $580 for six months.
The cheapest auto insurance company in Rhinecliff is New York Central Mutual Fire.
Teen drivers pay the highest rate in Rhinecliff at $823 per month.

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Cheapest Minimum Liability Car Insurance in Rhinecliff

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 Rhinecliff are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Rhinecliff. Their Average 6 Month Premium is $274. Preferred Mutual is the most expensive at $723 for the same period.

Cheapest Liability Coverage in Rhinecliff, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$274	$46
NYCM	$287	$48
Kemper	$337	$56
Progressive	$399	$67
American Family	$405	$68
USAA	$492	$83
Nationwide	$524	$87
Erie	$662	$112
State Farm	$768	$129
Travelers	$823	$139
Allstate	$861	$145
Utica National	$599	$102
Preferred Mutual	$723	$121

Cheapest Full Coverage Car Insurance in Rhinecliff

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 Rhinecliff is Kemper at $99 per month and $580 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rhinecliff, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$580	$99
New York Central Mutual Fire	$768	$128
Progressive	$774	$130
American Family	$898	$151
NYCM	$942	$159
Erie	$1129	$188
Nationwide	$1135	$193
USAA	$1141	$192
State Farm	$1415	$238
Travelers	$1491	$251
Allstate	$1615	$272

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Average Car Insurance in Rhinecliff 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 Rhinecliff, NY increasing?

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

Car Insurance Premiums by Age in Rhinecliff

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	$591
30s	National Grange Mutual	$421
40s	National Grange Mutual	$405
50s	National Grange Mutual	$412
60s	National Grange Mutual	$443
70s	National Grange Mutual	$608

Cheapest Car Insurance Rates for Teen Drivers in Rhinecliff,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Rhinecliff at $65 per month. At $4890 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$393	$65
American Family	$474	$80
NYCM	$792	$133
Progressive	$1254	$211
New York Central Mutual Fire	$1366	$228
USAA	$2507	$422
Nationwide	$3275	$546
Travelers	$4054	$683
Allstate	$4385	$738
State Farm	$4890	$823

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 Rhinecliff.

As young drivers face the highest rates in Rhinecliff, National Grange Mutual offers the cheapest auto insurance rates at $591 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 Rhinecliff, Chubb is the cheapest car insurance provider. At $842 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 Rhinecliff is Progressive, offering rates of around $5433 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$842	$141
Kemper	$880	$149
Nationwide	$1135	$189
USAA	$1572	$268
NYCM	$1640	$273
Erie	$1778	$302
American Family	$2090	$349
Allstate	$2139	$360
State Farm	$2214	$373
Mercury	$2601	$442
Travelers	$2657	$447
Progressive	$5433	$915

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

Car Insurance Rates with An Accident in Rhinecliff

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

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

The cheapest car insurance companies after an at-fault accident in Rhinecliff include Kemper and American Family, offering $486 and $499, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $605.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$486	$81
American Family	$499	$84
NYCM	$605	$102
Erie	$662	$112
Chubb	$730	$122
Progressive	$798	$134
New York Central Mutual Fire	$923	$154
USAA	$991	$167
Nationwide	$1491	$249
Allstate	$1504	$253
State Farm	$1815	$306
Travelers	$1846	$311
Utica National	$599	$102
Preferred Mutual	$605	$101

Rhinecliff Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rhinecliff NY. For example, the car insurance in Rhinecliff after a DUI increases to $748 for a six month policy. While the rate increases by $118 for a six-month policy in the case of a speeding ticket.

Rhinecliff auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1316	$219
One Med/PIP claim	$1316	$224
One comp claim	$1328	$222
Two comp claims	$1341	$228
Two Med/PIP claims	$1341	$224
Not-at-fault accident	$1347	$229
Failure to show documents	$1366	$228
Failure to wear a seat belt	$1372	$233
Driving with expired registration	$1385	$231
At-fault accident - less than $1000	$1391	$236
Cell phone violation	$1391	$232
Child safety restraint	$1391	$236
Driving without lights	$1391	$232
Failure to stop at a red light	$1391	$236
Failure to yield	$1391	$232
Following too closely	$1391	$236
Illegal turn	$1391	$232
Improper passing	$1391	$236
Passing school bus	$1391	$232
Texting while driving	$1391	$236
Wrong way/wrong lane	$1391	$232
Driving too slowly	$1404	$238
Speeding in school zone	$1404	$234
At-fault accident - $1000-$2000	$1409	$239
Speeding 11 - 15 MPH over limit	$1434	$239
Speeding 6 - 10 MPH over limit	$1434	$244
Operating a vehicle without permission	$1460	$244
Open container	$1478	$251
In 65 MPH zone	$1540	$257
Speeding 16 - 20 MPH over limit	$1559	$266
Speeding 21 - 25 MPH over limit	$1615	$269
At-fault accident - greater than $2000	$1740	$296
Reckless driving	$1859	$310
Racing	$1933	$329
Driving with a suspended license	$2002	$334
Refusal to submit to a chemical test	$2045	$348
DUI	$2064	$344
Leaving scene of an accident/hit and run	$2096	$356

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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 Rhinecliff 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 Rhinecliff.

The cheapest car insurance premiums in Rhinecliff are offered by American Family at $474 for a six-month policy. However, it can be as expensive as $2115 with companies like State Farm.

Rhinecliff car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$474	$80
Kemper	$499	$85
Progressive	$605	$102
NYCM	$761	$128
New York Central Mutual Fire	$1122	$187
USAA	$1197	$202
Allstate	$1778	$299
Travelers	$1827	$308
Nationwide	$1852	$309
State Farm	$2115	$356

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 Rhinecliff are offered by American Family at $418. However, it can be as expensive as $2145 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Rhinecliff after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$418	$71
Kemper	$418	$69
Progressive	$518	$87
NYCM	$692	$116
USAA	$942	$161
Nationwide	$1298	$216
State Farm	$1404	$238
Travelers	$2052	$342
Allstate	$2145	$364

Car Insurance Price Trends in Rhinecliff, New York

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

The average cost of full coverage in the Rhinecliff dipped by $259 in December compared to $260 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 Rhinecliff dipped to $89 in December, compared to $92 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 Rhinecliff?

The car insurance in Rhinecliff is $46 per month, which is lower than the national average.

What is the cheapest car insurance in Rhinecliff?

The cheapest car insurance in Rhinecliff is $99 per month for full coverage.

How much is car insurance in Rhinecliff for teenagers?

Car insurance for teenagers costs $393 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 Rhinecliff?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $182 per month to insure your car in Rhinecliff.

Is car insurance expensive in Rhinecliff?

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

Cheapest Car Insurance Quotes in Rhinecliff

Why you can trust Way?

How Much Is Car Insurance in Rhinecliff

Avg. Car Insurance in Rhinecliff

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Rhinecliff

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Rhinecliff Car Insurance Rates by Company

Cheap Car Insurance Companies in Rhinecliff, NY

Way's key takeaways about car insurance in Rhinecliff

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rhinecliff

Cheapest Liability Coverage in Rhinecliff, NY

Cheapest Full Coverage Car Insurance in Rhinecliff

Cheapest Full Coverage Car Insurance Quotes in Rhinecliff, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rhinecliff by Rating Factor

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

Car Insurance Premiums by Age in Rhinecliff

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rhinecliff,NY

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

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 Rhinecliff

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

Rhinecliff Car Insurance Rates by Violation

Rhinecliff auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rhinecliff after a DUI

Rhinecliff car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rhinecliff after Speeding ticket

Car Insurance Price Trends in Rhinecliff, New York

Average Car Insurance Cost in Rhinecliff by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rhinecliff, NY

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

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