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Cheapest Car Insurance Quotes in Setauket-East Setauket
Finding the cheapest car insurance quotes in Setauket-East Setauket 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 Setauket-East Setauket
The car insurance rate in Setauket-East Setauket is $1379 for a six-month policy, which is $350 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $740, making it a popular choice for budget-conscious drivers. Rates in Setauket-East Setauket 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.
Cheapest Car Insurance Companies in Setauket-East Setauket
1st place: Kemper
At $740 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 $980 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $988
for six months, making it
the third cheapest auto insurance company in Setauket-East Setauket.
Setauket-East Setauket Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Setauket-East Setauket, NY is Kemper, offering policies at just $740 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $980.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2061 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Setauket-East Setauket drivers find the best deals.
Cheap Car Insurance Companies in Setauket-East Setauket, NY
Way's key takeaways about car insurance in Setauket-East Setauket
The auto insurance costs in Setauket-East Setauket fall around $740 for six
months.
The cheapest auto insurance company in Setauket-East Setauket is New York Central Mutual Fire.
Teen drivers pay the highest rate in Setauket-East Setauket at $1051 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 Setauket-East Setauket
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 Setauket-East Setauket are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in Setauket-East Setauket. Their Average 6 Month Premium is $350.
Preferred Mutual is the most
expensive at $923 for the same
period.
Cheapest Liability Coverage in Setauket-East Setauket, NY
Cheapest Full Coverage Car Insurance in Setauket-East Setauket
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 Setauket-East Setauket is Kemper
at $126 per month and $740
for six months.
Cheapest Full Coverage Car Insurance Quotes in Setauket-East Setauket,
NY
Get Your Car Insurance Quote in Setauket-East Setauket
Instantly!
Average Car Insurance in Setauket-East Setauket 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 Setauket-East Setauket, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Setauket-East Setauket, 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, Setauket-East Setauket's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Setauket-East Setauket
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
$754
30s
National Grange Mutual
$537
40s
National Grange Mutual
$517
50s
National Grange Mutual
$525
60s
National Grange Mutual
$565
70s
National Grange Mutual
$776
Cheapest Car Insurance Rates for Teen Drivers in
Setauket-East Setauket,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Setauket-East Setauket at $83
per
month. At $6240 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 Setauket-East Setauket.
As young drivers face the highest rates in Setauket-East Setauket, National Grange Mutual
offers the cheapest auto insurance rates at $754 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 Setauket-East Setauket,
Chubb is
the cheapest car insurance provider. At $1075 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
Setauket-East Setauket is Progressive, offering
rates of around $6933 for six
months.
Save up to $971/yr on car insurance rates in Setauket-East Setauket.
Car Insurance Rates with An Accident in Setauket-East Setauket
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 Setauket-East Setauket, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Setauket-East Setauket
The cheapest car insurance companies after an at-fault accident in
Setauket-East Setauket include Kemper
and American Family, offering $620
and $637,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$772.
Setauket-East Setauket Car Insurance Rates by
Violation
Here is a list of driving violations that can increase your car
insurance rates in Setauket-East Setauket NY. For example, the car
insurance in Setauket-East Setauket
after a DUI increases to $955 for a six
month policy. While the rate increases by $151 for a six-month policy in the case of
a speeding ticket.
Setauket-East Setauket auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1679
$280
One Med/PIP claim
$1679
$285
One comp claim
$1695
$283
Two comp claims
$1711
$291
Two Med/PIP claims
$1711
$285
Not-at-fault accident
$1719
$292
Failure to show documents
$1743
$291
Failure to wear a seat belt
$1751
$297
Driving with expired registration
$1767
$295
At-fault accident - less than $1000
$1776
$302
Cell phone violation
$1776
$296
Child safety restraint
$1776
$302
Driving without lights
$1776
$296
Failure to stop at a red light
$1776
$302
Failure to yield
$1776
$296
Following too closely
$1776
$302
Illegal turn
$1776
$296
Improper passing
$1776
$302
Passing school bus
$1776
$296
Texting while driving
$1776
$302
Wrong way/wrong lane
$1776
$296
Driving too slowly
$1792
$304
Speeding in school zone
$1792
$299
At-fault accident - $1000-$2000
$1798
$306
Speeding 11 - 15 MPH over limit
$1830
$306
Speeding 6 - 10 MPH over limit
$1830
$311
Operating a vehicle without permission
$1863
$311
Open container
$1887
$320
In 65 MPH zone
$1966
$328
Speeding 16 - 20 MPH over limit
$1990
$339
Speeding 21 - 25 MPH over limit
$2061
$343
At-fault accident - greater than $2000
$2220
$378
Reckless driving
$2372
$395
Racing
$2467
$419
Driving with a suspended license
$2555
$426
Refusal to submit to a chemical test
$2610
$444
DUI
$2634
$440
Leaving scene of an accident/hit and run
$2675
$454
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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 Setauket-East Setauket 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 Setauket-East Setauket.
The cheapest car insurance premiums in
Setauket-East Setauket are
offered by American Family at $604 for a six-month policy.
However, it can be as
expensive as $2699 with companies
like State Farm.
Setauket-East Setauket car insurance quotes with a DUI
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 Setauket-East Setauket are offered by American Family
at $533. However,
it can be as expensive as $2738
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Setauket-East Setauket after Speeding ticket
Car Insurance Price Trends in Setauket-East Setauket,
New York
Car insurance rates in Setauket-East Setauket have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Setauket-East Setauket dipped by
$331 in December
compared to $332 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 Setauket-East Setauket dipped to $114 in December,
compared to $118 in November.
This represents an decrease of $4
when comparing December and November.
Average Car Insurance Cost in Setauket-East Setauket 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
Setauket-East Setauket. At $N/A for a
six-month policy, insuring
your car at N/A 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 Setauket-East Setauket?
The car insurance in Setauket-East Setauket is $59 per month, which is lower than the national average.
What is the cheapest car insurance in Setauket-East Setauket?
The cheapest car insurance in Setauket-East Setauket
is $126 per month
for full coverage.
How much is car insurance in Setauket-East Setauket for teenagers?
Car insurance for teenagers costs $501 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
Setauket-East Setauket?
The average cost of car insurance is $1029 for a six-month
policy. It will cost around $232 per month to insure your
car in Setauket-East Setauket.
Is car insurance expensive in Setauket-East Setauket?
Car insurance can be expensive in Setauket-East Setauket if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Setauket-East Setauket can be
affordable.
What is the best car insurance in Setauket-East Setauket,
NY?
The best car insurance company in Setauket-East Setauket
NY is
Kemper, offering $740 for a
six-month policy.
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Setauket-East Setauket Car Insurance
