Cheapest Car Insurance Quotes in Russell Gardens

Finding the cheapest car insurance quotes in Russell Gardens 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.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Russell Gardens Car Insurance

^$ 70

/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 Russell Gardens

The car insurance rate in Russell Gardens is $1853 for a six-month policy, which is $695 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $883, making it a popular choice for budget-conscious drivers. Rates in Russell Gardens 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 Russell Gardens

$1853

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Russell Gardens

1st place: Kemper

At $883 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 $1170 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1245 for six months, making it the third cheapest auto insurance company in Russell Gardens.

Russell Gardens Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Russell Gardens, NY is Kemper, offering policies at just $883 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1170.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $2842 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Russell Gardens drivers find the best deals.

Cheap Car Insurance Companies in Russell Gardens, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$883	$150
New York Central Mutual Fire	$1170	$195
Progressive	$1245	$210
American Family	$1368	$230
NYCM	$1654	$278
USAA	$1834	$309
Erie	$1872	$315
Nationwide	$2043	$341
Travelers	$2082	$350
State Farm	$2480	$418
Allstate	$2774	$467
Chubb	$2842	$474

Key Takeaways

Way's key takeaways about car insurance in Russell Gardens

The auto insurance costs in Russell Gardens fall around $883 for six months.
The cheapest auto insurance company in Russell Gardens is New York Central Mutual Fire.
Teen drivers pay the highest rate in Russell Gardens at $1429 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 Russell Gardens

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 Russell Gardens are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Russell Gardens. Their Average 6 Month Premium is $418. Preferred Mutual is the most expensive at $1102 for the same period.

Cheapest Liability Coverage in Russell Gardens, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$418	$70
NYCM	$494	$82
Kemper	$514	$88
American Family	$618	$104
Progressive	$637	$107
USAA	$818	$138
Erie	$1008	$171
Travelers	$1083	$181
Allstate	$1160	$197
State Farm	$1235	$206
Nationwide	$798	$133
Utica National	$912	$155
Preferred Mutual	$1102	$184

Cheapest Full Coverage Car Insurance in Russell Gardens

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 Russell Gardens is Kemper at $150 per month and $883 for six months.

Cheapest Full Coverage Car Insurance Quotes in Russell Gardens, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$883	$150
New York Central Mutual Fire	$1170	$195
Progressive	$1245	$210
American Family	$1368	$230
NYCM	$1654	$278
USAA	$1834	$309
Erie	$1872	$315
Nationwide	$2043	$341
Travelers	$2082	$350
State Farm	$2480	$418
Allstate	$2774	$467
Chubb	$2842	$474

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Russell Gardens Instantly!

Average Car Insurance in Russell Gardens 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 Russell Gardens, NY increasing?

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

Car Insurance Premiums by Age in Russell Gardens

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Russell Gardens,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Russell Gardens at $102 per month. At $8486 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$598	$102
American Family	$722	$122
NYCM	$1597	$269
Progressive	$1968	$331
New York Central Mutual Fire	$2082	$354
Erie	$4002	$667
USAA	$4400	$741
Travelers	$5787	$974
Nationwide	$6026	$1024
Chubb	$6310	$1051
Allstate	$7261	$1222
State Farm	$8486	$1429

Teen Car Insurance Rates in NY by Age

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 Russell Gardens, Kemper is the cheapest car insurance provider. At $1341 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 Russell Gardens is Progressive, offering rates of around $8030 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1341	$224
Nationwide	$2043	$347
Chubb	$2424	$408
USAA	$2946	$501
Erie	$3136	$528
American Family	$3184	$541
NYCM	$3565	$594
Allstate	$3886	$654
Mercury	$3963	$661
State Farm	$4096	$690
Travelers	$4742	$798
Progressive	$8030	$1352

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Russell Gardens

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

Cheapest Car Insurance Companies after an At-Fault Accident in Russell Gardens

The cheapest car insurance companies after an at-fault accident in Russell Gardens include Kemper and American Family, offering $741 and $760, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $922.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$741	$123
American Family	$760	$128
Progressive	$1170	$197
NYCM	$1189	$200
New York Central Mutual Fire	$1406	$235
USAA	$1597	$269
Erie	$2043	$344
Chubb	$2318	$390
Allstate	$2499	$421
Travelers	$2576	$434
Nationwide	$2699	$450
State Farm	$3155	$531
Utica National	$912	$155
Preferred Mutual	$922	$154

Russell Gardens Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Russell Gardens NY. For example, the car insurance in Russell Gardens after a DUI increases to $1141 for a six month policy. While the rate increases by $181 for a six-month policy in the case of a speeding ticket.

Russell Gardens auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2005	$334
One Med/PIP claim	$2005	$341
One comp claim	$2024	$338
Two comp claims	$2043	$347
Two Med/PIP claims	$2043	$341
Not-at-fault accident	$2053	$349
Failure to show documents	$2082	$347
Failure to wear a seat belt	$2091	$355
Driving with expired registration	$2110	$352
At-fault accident - less than $1000	$2120	$360
Cell phone violation	$2120	$354
Child safety restraint	$2120	$360
Driving without lights	$2120	$354
Failure to stop at a red light	$2120	$360
Failure to yield	$2120	$354
Following too closely	$2120	$360
Illegal turn	$2120	$354
Improper passing	$2120	$360
Passing school bus	$2120	$354
Texting while driving	$2120	$360
Wrong way/wrong lane	$2120	$354
Driving too slowly	$2139	$363
Speeding in school zone	$2139	$357
At-fault accident - $1000-$2000	$2147	$365
Speeding 11 - 15 MPH over limit	$2186	$365
Speeding 6 - 10 MPH over limit	$2186	$371
Operating a vehicle without permission	$2224	$371
Open container	$2253	$382
In 65 MPH zone	$2347	$392
Speeding 16 - 20 MPH over limit	$2376	$405
Speeding 21 - 25 MPH over limit	$2461	$410
At-fault accident - greater than $2000	$2651	$451
Reckless driving	$2832	$472
Racing	$2946	$501
Driving with a suspended license	$3051	$509
Refusal to submit to a chemical test	$3117	$530
DUI	$3146	$525
Leaving scene of an accident/hit and run	$3194	$542

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Russell Gardens 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 Russell Gardens.

The cheapest car insurance premiums in Russell Gardens are offered by American Family at $722 for a six-month policy. However, it can be as expensive as $3565 with companies like Chubb.

Russell Gardens car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$722	$122
Kemper	$760	$130
Progressive	$979	$165
NYCM	$1483	$250
New York Central Mutual Fire	$1710	$285
USAA	$1949	$328
Travelers	$2547	$429
Allstate	$3013	$507
Erie	$3107	$518
Nationwide	$3374	$574
State Farm	$3546	$597
Chubb	$3565	$606

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 Russell Gardens are offered by American Family at $637. However, it can be as expensive as $4058 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Russell Gardens after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$637	$106
Kemper	$637	$109
Progressive	$922	$155
NYCM	$1493	$254
USAA	$1730	$288
Erie	$2024	$344
Nationwide	$2043	$341
Travelers	$2357	$400
State Farm	$2851	$475
Chubb	$3374	$574
Allstate	$4058	$677

Car Insurance Price Trends in Russell Gardens, New York

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

The average cost of full coverage in the Russell Gardens rose by $440 in January compared to $395 of December. In other words, there has been an increase by $45 when you compare January and December.

The average cost of liability insurance in the Russell Gardens dipped to $128 in January, compared to $136 in December. This represents an decrease of $8 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Russell Gardens?

The car insurance in Russell Gardens is $70 per month, which is lower than the national average.

What is the cheapest car insurance in Russell Gardens?

The cheapest car insurance in Russell Gardens is $150 per month for full coverage.

How much is car insurance in Russell Gardens for teenagers?

Car insurance for teenagers costs $598 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 Russell Gardens?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $310 per month to insure your car in Russell Gardens.

Is car insurance expensive in Russell Gardens?

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

Cheapest Car Insurance Quotes in Russell Gardens

Why you can trust Way?

How Much Is Car Insurance in Russell Gardens

Avg. Car Insurance in Russell Gardens

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Russell Gardens

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Russell Gardens Car Insurance Rates by Company

Cheap Car Insurance Companies in Russell Gardens, NY

Way's key takeaways about car insurance in Russell Gardens

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Russell Gardens

Cheapest Liability Coverage in Russell Gardens, NY

Cheapest Full Coverage Car Insurance in Russell Gardens

Cheapest Full Coverage Car Insurance Quotes in Russell Gardens, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Russell Gardens by Rating Factor

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

Car Insurance Premiums by Age in Russell Gardens

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Russell Gardens,NY

If you are in your twenties N/A is the best choice for car insurance in Russell Gardens.

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 Russell Gardens

Cheapest Car Insurance Companies after an At-Fault Accident in Russell Gardens

Russell Gardens Car Insurance Rates by Violation

Russell Gardens auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Russell Gardens after a DUI

Russell Gardens car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Russell Gardens after Speeding ticket

Car Insurance Price Trends in Russell Gardens, New York

Average Car Insurance Cost in Russell Gardens by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Russell Gardens, NY

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

Featured Blogs

Data Sources