Cheapest Car Insurance Quotes in Roscoe

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Roscoe 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 Roscoe

The car insurance rate in Roscoe is $1070 for a six-month policy, which is $41 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $574, making it a popular choice for budget-conscious drivers. Rates in Roscoe 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 Roscoe

$1070

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Roscoe

1st place: Kemper

At $574 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 $760 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $766 for six months, making it the third cheapest auto insurance company in Roscoe.

Roscoe Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Roscoe, NY is Kemper, offering policies at just $574 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $760.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1600 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Roscoe drivers find the best deals.

Cheap Car Insurance Companies in Roscoe, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$574	$98
New York Central Mutual Fire	$760	$127
Progressive	$766	$129
American Family	$889	$150
NYCM	$933	$157
Erie	$1118	$186
Nationwide	$1124	$191
USAA	$1130	$190
State Farm	$1402	$236
Travelers	$1477	$249
Allstate	$1600	$269

Key Takeaways

Way's key takeaways about car insurance in Roscoe

The auto insurance costs in Roscoe fall around $574 for six months.
The cheapest auto insurance company in Roscoe is New York Central Mutual Fire.
Teen drivers pay the highest rate in Roscoe at $815 per month.

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Cheapest Minimum Liability Car Insurance in Roscoe

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 Roscoe are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Roscoe. Their Average 6 Month Premium is $271. Preferred Mutual is the most expensive at $717 for the same period.

Cheapest Liability Coverage in Roscoe, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$271	$46
NYCM	$284	$48
Kemper	$334	$55
Progressive	$395	$67
American Family	$401	$68
USAA	$488	$82
Nationwide	$519	$86
Erie	$655	$111
State Farm	$760	$128
Travelers	$815	$137
Allstate	$853	$144
Utica National	$593	$101
Preferred Mutual	$717	$120

Cheapest Full Coverage Car Insurance in Roscoe

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 Roscoe is Kemper at $98 per month and $574 for six months.

Cheapest Full Coverage Car Insurance Quotes in Roscoe, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$574	$98
New York Central Mutual Fire	$760	$127
Progressive	$766	$129
American Family	$889	$150
NYCM	$933	$157
Erie	$1118	$186
Nationwide	$1124	$191
USAA	$1130	$190
State Farm	$1402	$236
Travelers	$1477	$249
Allstate	$1600	$269

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Average Car Insurance in Roscoe 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 Roscoe, NY increasing?

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

Car Insurance Premiums by Age in Roscoe

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	$586
30s	National Grange Mutual	$417
40s	National Grange Mutual	$401
50s	National Grange Mutual	$408
60s	National Grange Mutual	$439
70s	National Grange Mutual	$602

Cheapest Car Insurance Rates for Teen Drivers in Roscoe,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Roscoe at $64 per month. At $4843 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$389	$64
American Family	$469	$79
NYCM	$784	$132
Progressive	$1242	$209
New York Central Mutual Fire	$1353	$226
USAA	$2484	$418
Nationwide	$3244	$541
Travelers	$4015	$676
Allstate	$4343	$731
State Farm	$4843	$815

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 Roscoe.

As young drivers face the highest rates in Roscoe, National Grange Mutual offers the cheapest auto insurance rates at $586 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 Roscoe, Chubb is the cheapest car insurance provider. At $834 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 Roscoe is Progressive, offering rates of around $5381 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$834	$139
Kemper	$872	$148
Nationwide	$1124	$187
USAA	$1557	$265
NYCM	$1624	$270
Erie	$1761	$300
American Family	$2070	$345
Allstate	$2118	$357
State Farm	$2193	$369
Mercury	$2576	$438
Travelers	$2631	$443
Progressive	$5381	$906

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Car Insurance Rates with An Accident in Roscoe

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

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

The cheapest car insurance companies after an at-fault accident in Roscoe include Kemper and American Family, offering $482 and $494, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $599.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$482	$80
American Family	$494	$83
NYCM	$599	$101
Erie	$655	$111
Chubb	$723	$121
Progressive	$790	$133
New York Central Mutual Fire	$914	$153
USAA	$982	$165
Nationwide	$1477	$246
Allstate	$1489	$251
State Farm	$1798	$303
Travelers	$1828	$308
Utica National	$593	$101
Preferred Mutual	$599	$100

Roscoe Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Roscoe NY. For example, the car insurance in Roscoe after a DUI increases to $742 for a six month policy. While the rate increases by $118 for a six-month policy in the case of a speeding ticket.

Roscoe auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1303	$217
One Med/PIP claim	$1303	$222
One comp claim	$1316	$219
Two comp claims	$1328	$226
Two Med/PIP claims	$1328	$222
Not-at-fault accident	$1334	$227
Failure to show documents	$1353	$226
Failure to wear a seat belt	$1359	$231
Driving with expired registration	$1372	$229
At-fault accident - less than $1000	$1378	$234
Cell phone violation	$1378	$230
Child safety restraint	$1378	$234
Driving without lights	$1378	$230
Failure to stop at a red light	$1378	$234
Failure to yield	$1378	$230
Following too closely	$1378	$234
Illegal turn	$1378	$230
Improper passing	$1378	$234
Passing school bus	$1378	$230
Texting while driving	$1378	$234
Wrong way/wrong lane	$1378	$230
Driving too slowly	$1390	$236
Speeding in school zone	$1390	$232
At-fault accident - $1000-$2000	$1396	$237
Speeding 11 - 15 MPH over limit	$1421	$237
Speeding 6 - 10 MPH over limit	$1421	$241
Operating a vehicle without permission	$1446	$241
Open container	$1464	$249
In 65 MPH zone	$1526	$255
Speeding 16 - 20 MPH over limit	$1544	$263
Speeding 21 - 25 MPH over limit	$1600	$266
At-fault accident - greater than $2000	$1723	$293
Reckless driving	$1841	$307
Racing	$1915	$326
Driving with a suspended license	$1983	$331
Refusal to submit to a chemical test	$2026	$344
DUI	$2045	$341
Leaving scene of an accident/hit and run	$2076	$353

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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 Roscoe 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 Roscoe.

The cheapest car insurance premiums in Roscoe are offered by American Family at $469 for a six-month policy. However, it can be as expensive as $2095 with companies like State Farm.

Roscoe car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$469	$79
Kemper	$494	$84
Progressive	$599	$101
NYCM	$754	$127
New York Central Mutual Fire	$1112	$185
USAA	$1186	$200
Allstate	$1761	$296
Travelers	$1810	$305
Nationwide	$1835	$306
State Farm	$2095	$353

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 Roscoe are offered by American Family at $414. However, it can be as expensive as $2125 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Roscoe after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$414	$71
Kemper	$414	$69
Progressive	$513	$86
NYCM	$685	$114
USAA	$933	$159
Nationwide	$1285	$214
State Farm	$1390	$236
Travelers	$2032	$339
Allstate	$2125	$361

Car Insurance Price Trends in Roscoe, New York

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

The average cost of full coverage in the Roscoe dipped by $257 in December compared to $258 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 Roscoe dipped to $88 in December, compared to $92 in November. This represents an decrease of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Roscoe?

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

What is the cheapest car insurance in Roscoe?

The cheapest car insurance in Roscoe is $98 per month for full coverage.

How much is car insurance in Roscoe for teenagers?

Car insurance for teenagers costs $389 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 Roscoe?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $180 per month to insure your car in Roscoe.

Is car insurance expensive in Roscoe?

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

Cheapest Car Insurance Quotes in Roscoe

Why you can trust Way?

How Much Is Car Insurance in Roscoe

Avg. Car Insurance in Roscoe

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Roscoe

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Roscoe Car Insurance Rates by Company

Cheap Car Insurance Companies in Roscoe, NY

Way's key takeaways about car insurance in Roscoe

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Roscoe

Cheapest Liability Coverage in Roscoe, NY

Cheapest Full Coverage Car Insurance in Roscoe

Cheapest Full Coverage Car Insurance Quotes in Roscoe, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Roscoe by Rating Factor

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

Car Insurance Premiums by Age in Roscoe

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Roscoe,NY

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

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 Roscoe

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

Roscoe Car Insurance Rates by Violation

Roscoe auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Roscoe after a DUI

Roscoe car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Roscoe after Speeding ticket

Car Insurance Price Trends in Roscoe, New York

Average Car Insurance Cost in Roscoe by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Roscoe, NY

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

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