Cheapest Car Insurance Quotes in Shelter Island Heights

Finding the cheapest car insurance quotes in Shelter Island Heights 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.
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Shelter Island Heights Car Insurance

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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 Shelter Island Heights

The car insurance rate in Shelter Island Heights is $1163 for a six-month policy, which is $134 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $624, making it a popular choice for budget-conscious drivers. Rates in Shelter Island Heights 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 Shelter Island Heights

$1163

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Shelter Island Heights

1st place: Kemper

At $624 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 $826 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $833 for six months, making it the third cheapest auto insurance company in Shelter Island Heights.

Shelter Island Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Shelter Island Heights, NY is Kemper, offering policies at just $624 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $826.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1738 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Shelter Island Heights drivers find the best deals.

Cheap Car Insurance Companies in Shelter Island Heights, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$624	$106
New York Central Mutual Fire	$826	$138
Progressive	$833	$140
American Family	$966	$163
NYCM	$1014	$171
Erie	$1215	$202
Nationwide	$1222	$208
USAA	$1228	$207
State Farm	$1523	$257
Travelers	$1605	$270
Allstate	$1738	$293

Key Takeaways

Way's key takeaways about car insurance in Shelter Island Heights

The auto insurance costs in Shelter Island Heights fall around $624 for six months.
The cheapest auto insurance company in Shelter Island Heights is New York Central Mutual Fire.
Teen drivers pay the highest rate in Shelter Island Heights at $886 per month.

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Cheapest Minimum Liability Car Insurance in Shelter Island Heights

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 Shelter Island Heights are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Shelter Island Heights. Their Average 6 Month Premium is $295. Preferred Mutual is the most expensive at $779 for the same period.

Cheapest Liability Coverage in Shelter Island Heights, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$295	$50
NYCM	$308	$52
Kemper	$363	$60
Progressive	$429	$72
American Family	$436	$73
USAA	$530	$89
Nationwide	$564	$94
Erie	$712	$121
State Farm	$826	$139
Travelers	$886	$149
Allstate	$927	$156
Utica National	$644	$110
Preferred Mutual	$779	$130

Cheapest Full Coverage Car Insurance in Shelter Island Heights

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 Shelter Island Heights is Kemper at $106 per month and $624 for six months.

Cheapest Full Coverage Car Insurance Quotes in Shelter Island Heights, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$624	$106
New York Central Mutual Fire	$826	$138
Progressive	$833	$140
American Family	$966	$163
NYCM	$1014	$171
Erie	$1215	$202
Nationwide	$1222	$208
USAA	$1228	$207
State Farm	$1523	$257
Travelers	$1605	$270
Allstate	$1738	$293

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Average Car Insurance in Shelter Island Heights 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 Shelter Island Heights, NY increasing?

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

Car Insurance Premiums by Age in Shelter Island Heights

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	$636
30s	National Grange Mutual	$453
40s	National Grange Mutual	$436
50s	National Grange Mutual	$443
60s	National Grange Mutual	$477
70s	National Grange Mutual	$654

Cheapest Car Insurance Rates for Teen Drivers in Shelter Island Heights,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Shelter Island Heights at $70 per month. At $5262 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$423	$70
American Family	$510	$86
NYCM	$852	$144
Progressive	$1349	$227
New York Central Mutual Fire	$1470	$245
USAA	$2698	$454
Nationwide	$3524	$588
Travelers	$4363	$734
Allstate	$4719	$794
State Farm	$5262	$886

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 Shelter Island Heights.

As young drivers face the highest rates in Shelter Island Heights, National Grange Mutual offers the cheapest auto insurance rates at $636 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 Shelter Island Heights, Chubb is the cheapest car insurance provider. At $906 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 Shelter Island Heights is Progressive, offering rates of around $5847 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$906	$151
Kemper	$947	$160
Nationwide	$1222	$203
USAA	$1692	$288
NYCM	$1765	$294
Erie	$1913	$325
American Family	$2249	$375
Allstate	$2302	$388
State Farm	$2383	$401
Mercury	$2799	$476
Travelers	$2859	$481
Progressive	$5847	$984

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Shelter Island Heights.

Car Insurance Rates with An Accident in Shelter Island Heights

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 Shelter Island Heights, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Shelter Island Heights

The cheapest car insurance companies after an at-fault accident in Shelter Island Heights include Kemper and American Family, offering $523 and $537, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $651.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$523	$87
American Family	$537	$90
NYCM	$651	$110
Erie	$712	$121
Chubb	$785	$131
Progressive	$859	$145
New York Central Mutual Fire	$993	$166
USAA	$1067	$180
Nationwide	$1605	$268
Allstate	$1618	$272
State Farm	$1954	$329
Travelers	$1987	$334
Utica National	$644	$110
Preferred Mutual	$651	$108

Shelter Island Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Shelter Island Heights NY. For example, the car insurance in Shelter Island Heights after a DUI increases to $806 for a six month policy. While the rate increases by $128 for a six-month policy in the case of a speeding ticket.

Shelter Island Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1416	$236
One Med/PIP claim	$1416	$241
One comp claim	$1429	$238
Two comp claims	$1443	$245
Two Med/PIP claims	$1443	$241
Not-at-fault accident	$1450	$246
Failure to show documents	$1470	$245
Failure to wear a seat belt	$1477	$251
Driving with expired registration	$1490	$249
At-fault accident - less than $1000	$1497	$254
Cell phone violation	$1497	$250
Child safety restraint	$1497	$254
Driving without lights	$1497	$250
Failure to stop at a red light	$1497	$254
Failure to yield	$1497	$250
Following too closely	$1497	$254
Illegal turn	$1497	$250
Improper passing	$1497	$254
Passing school bus	$1497	$250
Texting while driving	$1497	$254
Wrong way/wrong lane	$1497	$250
Driving too slowly	$1511	$257
Speeding in school zone	$1511	$252
At-fault accident - $1000-$2000	$1516	$258
Speeding 11 - 15 MPH over limit	$1544	$258
Speeding 6 - 10 MPH over limit	$1544	$262
Operating a vehicle without permission	$1571	$262
Open container	$1591	$270
In 65 MPH zone	$1658	$277
Speeding 16 - 20 MPH over limit	$1678	$286
Speeding 21 - 25 MPH over limit	$1738	$289
At-fault accident - greater than $2000	$1872	$319
Reckless driving	$2000	$333
Racing	$2080	$354
Driving with a suspended license	$2155	$359
Refusal to submit to a chemical test	$2201	$374
DUI	$2222	$371
Leaving scene of an accident/hit and run	$2255	$383

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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 Shelter Island Heights 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 Shelter Island Heights.

The cheapest car insurance premiums in Shelter Island Heights are offered by American Family at $510 for a six-month policy. However, it can be as expensive as $2276 with companies like State Farm.

Shelter Island Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$510	$86
Kemper	$537	$92
Progressive	$651	$110
NYCM	$819	$138
New York Central Mutual Fire	$1208	$201
USAA	$1288	$217
Allstate	$1913	$322
Travelers	$1966	$331
Nationwide	$1993	$332
State Farm	$2276	$383

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 Shelter Island Heights are offered by American Family at $450. However, it can be as expensive as $2309 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Shelter Island Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$450	$77
Kemper	$450	$75
Progressive	$557	$94
NYCM	$745	$124
USAA	$1014	$173
Nationwide	$1397	$233
State Farm	$1511	$257
Travelers	$2208	$368
Allstate	$2309	$392

Car Insurance Price Trends in Shelter Island Heights, New York

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

The average cost of full coverage in the Shelter Island Heights dipped by $279 in December compared to $280 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 Shelter Island Heights dipped to $96 in December, compared to $99 in November. This represents an decrease of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Shelter Island Heights?

The car insurance in Shelter Island Heights is $50 per month, which is lower than the national average.

What is the cheapest car insurance in Shelter Island Heights?

The cheapest car insurance in Shelter Island Heights is $106 per month for full coverage.

How much is car insurance in Shelter Island Heights for teenagers?

Car insurance for teenagers costs $423 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 Shelter Island Heights?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $195 per month to insure your car in Shelter Island Heights.

Is car insurance expensive in Shelter Island Heights?

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

Cheapest Car Insurance Quotes in Shelter Island Heights

Why you can trust Way?

How Much Is Car Insurance in Shelter Island Heights

Avg. Car Insurance in Shelter Island Heights

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Shelter Island Heights

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Shelter Island Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Shelter Island Heights, NY

Way's key takeaways about car insurance in Shelter Island Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Shelter Island Heights

Cheapest Liability Coverage in Shelter Island Heights, NY

Cheapest Full Coverage Car Insurance in Shelter Island Heights

Cheapest Full Coverage Car Insurance Quotes in Shelter Island Heights, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Shelter Island Heights by Rating Factor

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

Car Insurance Premiums by Age in Shelter Island Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Shelter Island Heights,NY

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

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 Shelter Island Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Shelter Island Heights

Shelter Island Heights Car Insurance Rates by Violation

Shelter Island Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Shelter Island Heights after a DUI

Shelter Island Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Shelter Island Heights after Speeding ticket

Car Insurance Price Trends in Shelter Island Heights, New York

Average Car Insurance Cost in Shelter Island Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Shelter Island Heights, NY

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

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