Cheapest Car Insurance Quotes in Roosevelt

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Roosevelt Car Insurance

^$ 87

/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 Roosevelt

The car insurance rate in Roosevelt is $2037 for a six-month policy, which is $1008 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1093, making it a popular choice for budget-conscious drivers. Rates in Roosevelt 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 Roosevelt

$2037

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Roosevelt

1st place: Kemper

At $1093 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 $1447 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1459 for six months, making it the third cheapest auto insurance company in Roosevelt.

Roosevelt Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Roosevelt, NY is Kemper, offering policies at just $1093 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1447.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $3045 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Roosevelt drivers find the best deals.

Cheap Car Insurance Companies in Roosevelt, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1093	$186
New York Central Mutual Fire	$1447	$242
Progressive	$1459	$246
American Family	$1693	$285
NYCM	$1776	$299
Erie	$2129	$354
Nationwide	$2140	$364
USAA	$2152	$362
State Farm	$2669	$449
Travelers	$2812	$473
Allstate	$3045	$513

Key Takeaways

Way's key takeaways about car insurance in Roosevelt

The auto insurance costs in Roosevelt fall around $1093 for six months.
The cheapest auto insurance company in Roosevelt is New York Central Mutual Fire.
Teen drivers pay the highest rate in Roosevelt at $1552 per month.

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Cheapest Minimum Liability Car Insurance in Roosevelt

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 Roosevelt are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Roosevelt. Their Average 6 Month Premium is $517. Preferred Mutual is the most expensive at $1364 for the same period.

Cheapest Liability Coverage in Roosevelt, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$517	$87
NYCM	$541	$91
Kemper	$636	$105
Progressive	$752	$127
American Family	$764	$129
USAA	$929	$156
Nationwide	$988	$164
Erie	$1247	$212
State Farm	$1447	$244
Travelers	$1552	$261
Allstate	$1624	$273
Utica National	$1129	$192
Preferred Mutual	$1364	$228

Cheapest Full Coverage Car Insurance in Roosevelt

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 Roosevelt is Kemper at $186 per month and $1093 for six months.

Cheapest Full Coverage Car Insurance Quotes in Roosevelt, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1093	$186
New York Central Mutual Fire	$1447	$242
Progressive	$1459	$246
American Family	$1693	$285
NYCM	$1776	$299
Erie	$2129	$354
Nationwide	$2140	$364
USAA	$2152	$362
State Farm	$2669	$449
Travelers	$2812	$473
Allstate	$3045	$513

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Average Car Insurance in Roosevelt 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 Roosevelt, NY increasing?

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

Car Insurance Premiums by Age in Roosevelt

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	$1115
30s	National Grange Mutual	$794
40s	National Grange Mutual	$764
50s	National Grange Mutual	$776
60s	National Grange Mutual	$836
70s	National Grange Mutual	$1146

Cheapest Car Insurance Rates for Teen Drivers in Roosevelt,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Roosevelt at $123 per month. At $9221 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$741	$123
American Family	$893	$150
NYCM	$1493	$251
Progressive	$2364	$398
New York Central Mutual Fire	$2576	$430
USAA	$4728	$796
Nationwide	$6176	$1030
Travelers	$7645	$1287
Allstate	$8268	$1392
State Farm	$9221	$1552

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 Roosevelt.

As young drivers face the highest rates in Roosevelt, National Grange Mutual offers the cheapest auto insurance rates at $1115 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 Roosevelt, Chubb is the cheapest car insurance provider. At $1588 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 Roosevelt is Progressive, offering rates of around $10245 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1588	$265
Kemper	$1659	$281
Nationwide	$2140	$356
USAA	$2964	$505
NYCM	$3093	$515
Erie	$3352	$570
American Family	$3940	$657
Allstate	$4033	$679
State Farm	$4176	$703
Mercury	$4904	$834
Travelers	$5009	$843
Progressive	$10245	$1725

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Car Insurance Rates with An Accident in Roosevelt

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

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

The cheapest car insurance companies after an at-fault accident in Roosevelt include Kemper and American Family, offering $917 and $941, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $1140.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$917	$152
American Family	$941	$158
NYCM	$1140	$192
Erie	$1247	$212
Chubb	$1376	$230
Progressive	$1505	$253
New York Central Mutual Fire	$1740	$291
USAA	$1869	$315
Nationwide	$2812	$469
Allstate	$2835	$477
State Farm	$3423	$576
Travelers	$3481	$586
Utica National	$1129	$192
Preferred Mutual	$1140	$190

Roosevelt Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Roosevelt NY. For example, the car insurance in Roosevelt after a DUI increases to $1412 for a six month policy. While the rate increases by $224 for a six-month policy in the case of a speeding ticket.

Roosevelt auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2481	$414
One Med/PIP claim	$2481	$422
One comp claim	$2505	$418
Two comp claims	$2528	$430
Two Med/PIP claims	$2528	$422
Not-at-fault accident	$2540	$432
Failure to show documents	$2576	$430
Failure to wear a seat belt	$2588	$440
Driving with expired registration	$2612	$436
At-fault accident - less than $1000	$2624	$446
Cell phone violation	$2624	$438
Child safety restraint	$2624	$446
Driving without lights	$2624	$438
Failure to stop at a red light	$2624	$446
Failure to yield	$2624	$438
Following too closely	$2624	$446
Illegal turn	$2624	$438
Improper passing	$2624	$446
Passing school bus	$2624	$438
Texting while driving	$2624	$446
Wrong way/wrong lane	$2624	$438
Driving too slowly	$2647	$449
Speeding in school zone	$2647	$442
At-fault accident - $1000-$2000	$2657	$451
Speeding 11 - 15 MPH over limit	$2705	$451
Speeding 6 - 10 MPH over limit	$2705	$459
Operating a vehicle without permission	$2752	$459
Open container	$2788	$473
In 65 MPH zone	$2905	$485
Speeding 16 - 20 MPH over limit	$2940	$501
Speeding 21 - 25 MPH over limit	$3045	$507
At-fault accident - greater than $2000	$3281	$558
Reckless driving	$3505	$584
Racing	$3645	$620
Driving with a suspended license	$3776	$630
Refusal to submit to a chemical test	$3857	$655
DUI	$3893	$649
Leaving scene of an accident/hit and run	$3952	$671

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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 Roosevelt 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 Roosevelt.

The cheapest car insurance premiums in Roosevelt are offered by American Family at $893 for a six-month policy. However, it can be as expensive as $3988 with companies like State Farm.

Roosevelt car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$893	$150
Kemper	$941	$160
Progressive	$1140	$192
NYCM	$1436	$242
New York Central Mutual Fire	$2117	$352
USAA	$2257	$380
Allstate	$3352	$564
Travelers	$3445	$580
Nationwide	$3493	$582
State Farm	$3988	$671

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 Roosevelt are offered by American Family at $788. However, it can be as expensive as $4045 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Roosevelt after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$788	$135
Kemper	$788	$131
Progressive	$976	$164
NYCM	$1305	$218
USAA	$1776	$303
Nationwide	$2447	$408
State Farm	$2647	$449
Travelers	$3869	$645
Allstate	$4045	$687

Car Insurance Price Trends in Roosevelt, New York

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

The average cost of full coverage in the Roosevelt dipped by $489 in December compared to $491 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 Roosevelt dipped to $168 in December, compared to $174 in November. This represents an decrease of $6 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Roosevelt?

The car insurance in Roosevelt is $87 per month, which is lower than the national average.

What is the cheapest car insurance in Roosevelt?

The cheapest car insurance in Roosevelt is $186 per month for full coverage.

How much is car insurance in Roosevelt for teenagers?

Car insurance for teenagers costs $741 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 Roosevelt?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $343 per month to insure your car in Roosevelt.

Is car insurance expensive in Roosevelt?

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

Cheapest Car Insurance Quotes in Roosevelt

Why you can trust Way?

How Much Is Car Insurance in Roosevelt

Avg. Car Insurance in Roosevelt

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Roosevelt

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Roosevelt Car Insurance Rates by Company

Cheap Car Insurance Companies in Roosevelt, NY

Way's key takeaways about car insurance in Roosevelt

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Roosevelt

Cheapest Liability Coverage in Roosevelt, NY

Cheapest Full Coverage Car Insurance in Roosevelt

Cheapest Full Coverage Car Insurance Quotes in Roosevelt, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Roosevelt by Rating Factor

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

Car Insurance Premiums by Age in Roosevelt

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Roosevelt,NY

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

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 Roosevelt

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

Roosevelt Car Insurance Rates by Violation

Roosevelt auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Roosevelt after a DUI

Roosevelt car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Roosevelt after Speeding ticket

Car Insurance Price Trends in Roosevelt, New York

Average Car Insurance Cost in Roosevelt by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Roosevelt, NY

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

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