Cheapest Car Insurance Quotes in Round Top

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Round Top Car Insurance

^$ 42

/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 Round Top

The car insurance rate in Round Top is $988 for a six-month policy, which is $41 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $530, making it a popular choice for budget-conscious drivers. Rates in Round Top 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 Round Top

$988

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Round Top

1st place: Kemper

At $530 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 $702 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $708 for six months, making it the third cheapest auto insurance company in Round Top.

Round Top Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Round Top, NY is Kemper, offering policies at just $530 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $702.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1476 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Round Top drivers find the best deals.

Cheap Car Insurance Companies in Round Top, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$530	$90
New York Central Mutual Fire	$702	$117
Progressive	$708	$119
American Family	$821	$138
NYCM	$861	$145
Erie	$1032	$172
Nationwide	$1038	$177
USAA	$1044	$176
State Farm	$1294	$218
Travelers	$1363	$229
Allstate	$1476	$249

Key Takeaways

Way's key takeaways about car insurance in Round Top

The auto insurance costs in Round Top fall around $530 for six months.
The cheapest auto insurance company in Round Top is New York Central Mutual Fire.
Teen drivers pay the highest rate in Round Top at $753 per month.

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Cheapest Minimum Liability Car Insurance in Round Top

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 Round Top are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Round Top. Their Average 6 Month Premium is $251. Preferred Mutual is the most expensive at $661 for the same period.

Cheapest Liability Coverage in Round Top, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$251	$42
NYCM	$262	$44
Kemper	$308	$51
Progressive	$365	$61
American Family	$371	$62
USAA	$450	$76
Nationwide	$479	$80
Erie	$605	$103
State Farm	$702	$118
Travelers	$753	$127
Allstate	$787	$132
Utica National	$547	$93
Preferred Mutual	$661	$110

Cheapest Full Coverage Car Insurance in Round Top

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 Round Top is Kemper at $90 per month and $530 for six months.

Cheapest Full Coverage Car Insurance Quotes in Round Top, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$530	$90
New York Central Mutual Fire	$702	$117
Progressive	$708	$119
American Family	$821	$138
NYCM	$861	$145
Erie	$1032	$172
Nationwide	$1038	$177
USAA	$1044	$176
State Farm	$1294	$218
Travelers	$1363	$229
Allstate	$1476	$249

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Average Car Insurance in Round Top 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 Round Top, NY increasing?

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

Car Insurance Premiums by Age in Round Top

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	$540
30s	National Grange Mutual	$385
40s	National Grange Mutual	$371
50s	National Grange Mutual	$376
60s	National Grange Mutual	$405
70s	National Grange Mutual	$556

Cheapest Car Insurance Rates for Teen Drivers in Round Top,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Round Top at $60 per month. At $4471 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$359	$60
American Family	$433	$73
NYCM	$724	$122
Progressive	$1146	$193
New York Central Mutual Fire	$1249	$208
USAA	$2292	$386
Nationwide	$2994	$499
Travelers	$3707	$624
Allstate	$4009	$675
State Farm	$4471	$753

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 Round Top.

As young drivers face the highest rates in Round Top, National Grange Mutual offers the cheapest auto insurance rates at $540 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 Round Top, Chubb is the cheapest car insurance provider. At $770 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 Round Top is Progressive, offering rates of around $4967 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$770	$129
Kemper	$804	$136
Nationwide	$1038	$173
USAA	$1437	$245
NYCM	$1500	$250
Erie	$1625	$276
American Family	$1910	$319
Allstate	$1956	$329
State Farm	$2025	$341
Mercury	$2378	$404
Travelers	$2429	$409
Progressive	$4967	$836

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Car Insurance Rates with An Accident in Round Top

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

Cheapest Car Insurance Companies after an At-Fault Accident in Round Top

The cheapest car insurance companies after an at-fault accident in Round Top include Kemper and American Family, offering $444 and $456, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $553.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$444	$74
American Family	$456	$77
NYCM	$553	$93
Erie	$605	$103
Chubb	$667	$111
Progressive	$730	$123
New York Central Mutual Fire	$844	$141
USAA	$906	$153
Nationwide	$1363	$228
Allstate	$1375	$231
State Farm	$1660	$279
Travelers	$1688	$284
Utica National	$547	$93
Preferred Mutual	$553	$92

Round Top Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Round Top NY. For example, the car insurance in Round Top after a DUI increases to $684 for a six month policy. While the rate increases by $108 for a six-month policy in the case of a speeding ticket.

Round Top auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1203	$201
One Med/PIP claim	$1203	$204
One comp claim	$1214	$203
Two comp claims	$1226	$208
Two Med/PIP claims	$1226	$204
Not-at-fault accident	$1232	$209
Failure to show documents	$1249	$208
Failure to wear a seat belt	$1255	$213
Driving with expired registration	$1266	$211
At-fault accident - less than $1000	$1272	$216
Cell phone violation	$1272	$212
Child safety restraint	$1272	$216
Driving without lights	$1272	$212
Failure to stop at a red light	$1272	$216
Failure to yield	$1272	$212
Following too closely	$1272	$216
Illegal turn	$1272	$212
Improper passing	$1272	$216
Passing school bus	$1272	$212
Texting while driving	$1272	$216
Wrong way/wrong lane	$1272	$212
Driving too slowly	$1284	$218
Speeding in school zone	$1284	$214
At-fault accident - $1000-$2000	$1288	$219
Speeding 11 - 15 MPH over limit	$1311	$219
Speeding 6 - 10 MPH over limit	$1311	$223
Operating a vehicle without permission	$1334	$223
Open container	$1352	$229
In 65 MPH zone	$1408	$235
Speeding 16 - 20 MPH over limit	$1426	$243
Speeding 21 - 25 MPH over limit	$1476	$246
At-fault accident - greater than $2000	$1591	$271
Reckless driving	$1699	$283
Racing	$1767	$300
Driving with a suspended license	$1831	$305
Refusal to submit to a chemical test	$1870	$318
DUI	$1887	$315
Leaving scene of an accident/hit and run	$1916	$325

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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 Round Top 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 Round Top.

The cheapest car insurance premiums in Round Top are offered by American Family at $433 for a six-month policy. However, it can be as expensive as $1933 with companies like State Farm.

Round Top car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$433	$73
Kemper	$456	$78
Progressive	$553	$93
NYCM	$696	$117
New York Central Mutual Fire	$1026	$171
USAA	$1094	$184
Allstate	$1625	$274
Travelers	$1670	$281
Nationwide	$1693	$282
State Farm	$1933	$325

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 Round Top are offered by American Family at $382. However, it can be as expensive as $1961 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Round Top after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$382	$65
Kemper	$382	$63
Progressive	$473	$80
NYCM	$633	$106
USAA	$861	$147
Nationwide	$1187	$198
State Farm	$1284	$218
Travelers	$1876	$313
Allstate	$1961	$333

Car Insurance Price Trends in Round Top, New York

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

The average cost of full coverage in the Round Top dipped by $237 in December compared to $238 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 Round Top dipped to $82 in December, compared to $84 in November. This represents an decrease of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Round Top?

The car insurance in Round Top is $42 per month, which is lower than the national average.

What is the cheapest car insurance in Round Top?

The cheapest car insurance in Round Top is $90 per month for full coverage.

How much is car insurance in Round Top for teenagers?

Car insurance for teenagers costs $359 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 Round Top?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $166 per month to insure your car in Round Top.

Is car insurance expensive in Round Top?

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

Cheapest Car Insurance Quotes in Round Top

Why you can trust Way?

How Much Is Car Insurance in Round Top

Avg. Car Insurance in Round Top

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Round Top

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Round Top Car Insurance Rates by Company

Cheap Car Insurance Companies in Round Top, NY

Way's key takeaways about car insurance in Round Top

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Round Top

Cheapest Liability Coverage in Round Top, NY

Cheapest Full Coverage Car Insurance in Round Top

Cheapest Full Coverage Car Insurance Quotes in Round Top, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Round Top by Rating Factor

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

Car Insurance Premiums by Age in Round Top

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Round Top,NY

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

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 Round Top

Cheapest Car Insurance Companies after an At-Fault Accident in Round Top

Round Top Car Insurance Rates by Violation

Round Top auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Round Top after a DUI

Round Top car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Round Top after Speeding ticket

Car Insurance Price Trends in Round Top, New York

Average Car Insurance Cost in Round Top by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Round Top, NY

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

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