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Finding the cheapest car insurance quotes in Rockaway Park shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Rockaway Park
The car insurance rate in Rockaway Park is $2295 for a six-month policy, which is $1266 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1231, making it a popular choice for budget-conscious drivers. Rates in Rockaway Park 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.
At $1231 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 $1630 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $1644
for six months, making it
the third cheapest auto insurance company in Rockaway Park.
Rockaway Park Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Rockaway Park, NY is Kemper, offering policies at just $1231 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1630.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $3430 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rockaway Park drivers find the best deals.
Cheap Car Insurance Companies in Rockaway Park, NY
Way's key takeaways about car insurance in Rockaway Park
The auto insurance costs in Rockaway Park fall around $1231 for six
months.
The cheapest auto insurance company in Rockaway Park is New York Central Mutual Fire.
Teen drivers pay the highest rate in Rockaway Park at $1748 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Rockaway Park
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 Rockaway Park are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in Rockaway Park. Their Average 6 Month Premium is $582.
Preferred Mutual is the most
expensive at $1536 for the same
period.
Cheapest Full Coverage Car Insurance in Rockaway Park
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 Rockaway Park is Kemper
at $210 per month and $1231
for six months.
Cheapest Full Coverage Car Insurance Quotes in Rockaway Park,
NY
Get Your Car Insurance Quote in Rockaway Park
Instantly!
Average Car Insurance in Rockaway Park 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 Rockaway Park, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Rockaway Park, 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, Rockaway Park's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Rockaway Park
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
$1255
30s
National Grange Mutual
$894
40s
National Grange Mutual
$861
50s
National Grange Mutual
$874
60s
National Grange Mutual
$941
70s
National Grange Mutual
$1291
Cheapest Car Insurance Rates for Teen Drivers in
Rockaway Park,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Rockaway Park at $138
per
month. At $10385 for a six-month premium,
State Farm offers the most expensive rate for
teen drivers.
If you are in your twenties National Grange Mutual is
the best choice for car
insurance in Rockaway Park.
As young drivers face the highest rates in Rockaway Park, National Grange Mutual
offers the cheapest auto insurance rates at $1255 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 Rockaway Park,
Chubb is
the cheapest car insurance provider. At $1788 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
Rockaway Park is Progressive, offering
rates of around $11538 for six
months.
Save up to $971/yr on car insurance rates in Rockaway Park.
Car Insurance Rates with An Accident in Rockaway Park
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 Rockaway Park, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Rockaway Park
The cheapest car insurance companies after an at-fault accident in
Rockaway Park include Kemper
and American Family, offering $1032
and $1059,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$1284.
Here is a list of driving violations that can increase your car
insurance rates in Rockaway Park NY. For example, the car
insurance in Rockaway Park
after a DUI increases to $1590 for a six
month policy. While the rate increases by $252 for a six-month policy in the case of
a speeding ticket.
Rockaway Park auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$2794
$466
One Med/PIP claim
$2794
$475
One comp claim
$2821
$471
Two comp claims
$2848
$484
Two Med/PIP claims
$2848
$475
Not-at-fault accident
$2861
$486
Failure to show documents
$2901
$484
Failure to wear a seat belt
$2915
$495
Driving with expired registration
$2941
$491
At-fault accident - less than $1000
$2955
$502
Cell phone violation
$2955
$493
Child safety restraint
$2955
$502
Driving without lights
$2955
$493
Failure to stop at a red light
$2955
$502
Failure to yield
$2955
$493
Following too closely
$2955
$502
Illegal turn
$2955
$493
Improper passing
$2955
$502
Passing school bus
$2955
$493
Texting while driving
$2955
$502
Wrong way/wrong lane
$2955
$493
Driving too slowly
$2982
$506
Speeding in school zone
$2982
$497
At-fault accident - $1000-$2000
$2993
$508
Speeding 11 - 15 MPH over limit
$3046
$508
Speeding 6 - 10 MPH over limit
$3046
$517
Operating a vehicle without permission
$3100
$517
Open container
$3140
$533
In 65 MPH zone
$3271
$546
Speeding 16 - 20 MPH over limit
$3312
$564
Speeding 21 - 25 MPH over limit
$3430
$571
At-fault accident - greater than $2000
$3695
$629
Reckless driving
$3947
$658
Racing
$4105
$698
Driving with a suspended license
$4253
$709
Refusal to submit to a chemical test
$4344
$738
DUI
$4384
$731
Leaving scene of an accident/hit and run
$4451
$756
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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 Rockaway Park 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 Rockaway Park.
The cheapest car insurance premiums in
Rockaway Park are
offered by American Family at $1006 for a six-month policy.
However, it can be as
expensive as $4491 with companies
like State Farm.
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 Rockaway Park are offered by American Family
at $888. However,
it can be as expensive as $4556
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Rockaway Park after Speeding ticket
Car Insurance Price Trends in Rockaway Park,
New York
Car insurance rates in Rockaway Park have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Rockaway Park dipped by
$551 in December
compared to $553 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 Rockaway Park dipped to $190 in December,
compared to $196 in November.
This represents an decrease of $6
when comparing December and November.
Average Car Insurance Cost in Rockaway Park by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Rockaway Park. At $4589 for a
six-month policy, insuring
your car at 11694 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Rockaway Park?
The car insurance in Rockaway Park is $98 per month, which is higher than the national average.
What is the cheapest car insurance in Rockaway Park?
The cheapest car insurance in Rockaway Park
is $210 per month
for full coverage.
How much is car insurance in Rockaway Park for teenagers?
Car insurance for teenagers costs $834 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
Rockaway Park?
The average cost of car insurance is $1029 for a six-month
policy. It will cost around $386 per month to insure your
car in Rockaway Park.
Is car insurance expensive in Rockaway Park?
Car insurance can be expensive in Rockaway Park if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Rockaway Park can be
affordable.
What is the best car insurance in Rockaway Park,
NY?
The best car insurance company in Rockaway Park
NY is
Kemper, offering $1231 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Rockaway Park, NY
Car Insurance Rates by State in the USA (2025 Update)
Rockaway Park Car Insurance
