Cheapest Car Insurance Quotes in Sleepy Hollow

Finding the cheapest car insurance quotes in Sleepy Hollow 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

399,755 Policies Sold

Sleepy Hollow Car Insurance

^$ 51

/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 Sleepy Hollow

The car insurance rate in Sleepy Hollow is $1183 for a six-month policy, which is $154 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $635, making it a popular choice for budget-conscious drivers. Rates in Sleepy Hollow 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 Sleepy Hollow

$1183

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Sleepy Hollow

1st place: Kemper

At $635 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 $841 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $848 for six months, making it the third cheapest auto insurance company in Sleepy Hollow.

Sleepy Hollow Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sleepy Hollow, NY is Kemper, offering policies at just $635 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $841.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1769 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sleepy Hollow drivers find the best deals.

Cheap Car Insurance Companies in Sleepy Hollow, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$635	$108
New York Central Mutual Fire	$841	$140
Progressive	$848	$143
American Family	$983	$166
NYCM	$1032	$174
Erie	$1236	$206
Nationwide	$1243	$212
USAA	$1250	$210
State Farm	$1550	$261
Travelers	$1633	$275
Allstate	$1769	$298

Key Takeaways

Way's key takeaways about car insurance in Sleepy Hollow

The auto insurance costs in Sleepy Hollow fall around $635 for six months.
The cheapest auto insurance company in Sleepy Hollow is New York Central Mutual Fire.
Teen drivers pay the highest rate in Sleepy Hollow at $902 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 Sleepy Hollow

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 Sleepy Hollow are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Sleepy Hollow. Their Average 6 Month Premium is $300. Preferred Mutual is the most expensive at $792 for the same period.

Cheapest Liability Coverage in Sleepy Hollow, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$300	$51
NYCM	$314	$53
Kemper	$369	$61
Progressive	$437	$74
American Family	$444	$75
USAA	$539	$91
Nationwide	$574	$95
Erie	$725	$123
State Farm	$841	$141
Travelers	$902	$152
Allstate	$943	$159
Utica National	$656	$112
Preferred Mutual	$792	$132

Cheapest Full Coverage Car Insurance in Sleepy Hollow

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 Sleepy Hollow is Kemper at $108 per month and $635 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sleepy Hollow, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$635	$108
New York Central Mutual Fire	$841	$140
Progressive	$848	$143
American Family	$983	$166
NYCM	$1032	$174
Erie	$1236	$206
Nationwide	$1243	$212
USAA	$1250	$210
State Farm	$1550	$261
Travelers	$1633	$275
Allstate	$1769	$298

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Sleepy Hollow Instantly!

Average Car Insurance in Sleepy Hollow 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 Sleepy Hollow, NY increasing?

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

Car Insurance Premiums by Age in Sleepy Hollow

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	$647
30s	National Grange Mutual	$461
40s	National Grange Mutual	$444
50s	National Grange Mutual	$451
60s	National Grange Mutual	$485
70s	National Grange Mutual	$666

Cheapest Car Insurance Rates for Teen Drivers in Sleepy Hollow,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Sleepy Hollow at $71 per month. At $5356 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$430	$71
American Family	$519	$87
NYCM	$867	$146
Progressive	$1373	$231
New York Central Mutual Fire	$1496	$250
USAA	$2746	$462
Nationwide	$3587	$598
Travelers	$4440	$747
Allstate	$4802	$808
State Farm	$5356	$902

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 Sleepy Hollow.

As young drivers face the highest rates in Sleepy Hollow, National Grange Mutual offers the cheapest auto insurance rates at $647 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 Sleepy Hollow, Chubb is the cheapest car insurance provider. At $922 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 Sleepy Hollow is Progressive, offering rates of around $5950 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$922	$154
Kemper	$964	$163
Nationwide	$1243	$207
USAA	$1722	$293
NYCM	$1796	$299
Erie	$1947	$331
American Family	$2289	$382
Allstate	$2343	$394
State Farm	$2425	$408
Mercury	$2849	$484
Travelers	$2910	$490
Progressive	$5950	$1002

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Sleepy Hollow.

Car Insurance Rates with An Accident in Sleepy Hollow

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

Cheapest Car Insurance Companies after an At-Fault Accident in Sleepy Hollow

The cheapest car insurance companies after an at-fault accident in Sleepy Hollow include Kemper and American Family, offering $532 and $546, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $662.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$532	$89
American Family	$546	$92
NYCM	$662	$112
Erie	$725	$123
Chubb	$799	$133
Progressive	$874	$147
New York Central Mutual Fire	$1011	$169
USAA	$1086	$183
Nationwide	$1633	$273
Allstate	$1647	$277
State Farm	$1988	$335
Travelers	$2022	$340
Utica National	$656	$112
Preferred Mutual	$662	$110

Sleepy Hollow Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sleepy Hollow NY. For example, the car insurance in Sleepy Hollow after a DUI increases to $820 for a six month policy. While the rate increases by $130 for a six-month policy in the case of a speeding ticket.

Sleepy Hollow auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1441	$240
One Med/PIP claim	$1441	$245
One comp claim	$1455	$243
Two comp claims	$1469	$250
Two Med/PIP claims	$1469	$245
Not-at-fault accident	$1475	$251
Failure to show documents	$1496	$250
Failure to wear a seat belt	$1503	$255
Driving with expired registration	$1517	$253
At-fault accident - less than $1000	$1524	$259
Cell phone violation	$1524	$254
Child safety restraint	$1524	$259
Driving without lights	$1524	$254
Failure to stop at a red light	$1524	$259
Failure to yield	$1524	$254
Following too closely	$1524	$259
Illegal turn	$1524	$254
Improper passing	$1524	$259
Passing school bus	$1524	$254
Texting while driving	$1524	$259
Wrong way/wrong lane	$1524	$254
Driving too slowly	$1538	$261
Speeding in school zone	$1538	$256
At-fault accident - $1000-$2000	$1543	$262
Speeding 11 - 15 MPH over limit	$1571	$262
Speeding 6 - 10 MPH over limit	$1571	$267
Operating a vehicle without permission	$1598	$267
Open container	$1619	$275
In 65 MPH zone	$1687	$282
Speeding 16 - 20 MPH over limit	$1708	$291
Speeding 21 - 25 MPH over limit	$1769	$294
At-fault accident - greater than $2000	$1906	$324
Reckless driving	$2035	$339
Racing	$2117	$360
Driving with a suspended license	$2193	$366
Refusal to submit to a chemical test	$2240	$381
DUI	$2261	$377
Leaving scene of an accident/hit and run	$2295	$390

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 Sleepy Hollow 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 Sleepy Hollow.

The cheapest car insurance premiums in Sleepy Hollow are offered by American Family at $519 for a six-month policy. However, it can be as expensive as $2316 with companies like State Farm.

Sleepy Hollow car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$519	$87
Kemper	$546	$93
Progressive	$662	$112
NYCM	$834	$140
New York Central Mutual Fire	$1229	$205
USAA	$1311	$221
Allstate	$1947	$328
Travelers	$2001	$337
Nationwide	$2029	$338
State Farm	$2316	$390

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 Sleepy Hollow are offered by American Family at $458. However, it can be as expensive as $2349 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Sleepy Hollow after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$458	$78
Kemper	$458	$76
Progressive	$567	$95
NYCM	$758	$126
USAA	$1032	$176
Nationwide	$1421	$237
State Farm	$1538	$261
Travelers	$2247	$375
Allstate	$2349	$399

Car Insurance Price Trends in Sleepy Hollow, New York

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

The average cost of full coverage in the Sleepy Hollow dipped by $284 in December compared to $285 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 Sleepy Hollow dipped to $98 in December, compared to $101 in November. This represents an decrease of $3 when comparing December and November.

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 Sleepy Hollow?

The car insurance in Sleepy Hollow is $51 per month, which is lower than the national average.

What is the cheapest car insurance in Sleepy Hollow?

The cheapest car insurance in Sleepy Hollow is $108 per month for full coverage.

How much is car insurance in Sleepy Hollow for teenagers?

Car insurance for teenagers costs $430 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 Sleepy Hollow?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $199 per month to insure your car in Sleepy Hollow.

Is car insurance expensive in Sleepy Hollow?

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

Cheapest Car Insurance Quotes in Sleepy Hollow

Why you can trust Way?

How Much Is Car Insurance in Sleepy Hollow

Avg. Car Insurance in Sleepy Hollow

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Sleepy Hollow

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Sleepy Hollow Car Insurance Rates by Company

Cheap Car Insurance Companies in Sleepy Hollow, NY

Way's key takeaways about car insurance in Sleepy Hollow

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sleepy Hollow

Cheapest Liability Coverage in Sleepy Hollow, NY

Cheapest Full Coverage Car Insurance in Sleepy Hollow

Cheapest Full Coverage Car Insurance Quotes in Sleepy Hollow, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sleepy Hollow by Rating Factor

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

Car Insurance Premiums by Age in Sleepy Hollow

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sleepy Hollow,NY

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

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 Sleepy Hollow

Cheapest Car Insurance Companies after an At-Fault Accident in Sleepy Hollow

Sleepy Hollow Car Insurance Rates by Violation

Sleepy Hollow auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sleepy Hollow after a DUI

Sleepy Hollow car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sleepy Hollow after Speeding ticket

Car Insurance Price Trends in Sleepy Hollow, New York

Average Car Insurance Cost in Sleepy Hollow by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sleepy Hollow, NY

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

Featured Blogs

Data Sources