Cheapest Car Insurance Quotes in Smallwood

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Smallwood Car Insurance

^$ 52

/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 Smallwood

The car insurance rate in Smallwood is $1225 for a six-month policy, which is $196 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $657, making it a popular choice for budget-conscious drivers. Rates in Smallwood 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 Smallwood

$1225

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Smallwood

1st place: Kemper

At $657 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 $870 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $877 for six months, making it the third cheapest auto insurance company in Smallwood.

Smallwood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Smallwood, NY is Kemper, offering policies at just $657 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $870.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1830 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Smallwood drivers find the best deals.

Cheap Car Insurance Companies in Smallwood, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$657	$112
New York Central Mutual Fire	$870	$145
Progressive	$877	$148
American Family	$1017	$171
NYCM	$1067	$180
Erie	$1279	$213
Nationwide	$1286	$219
USAA	$1294	$218
State Farm	$1604	$270
Travelers	$1690	$284
Allstate	$1830	$308

Key Takeaways

Way's key takeaways about car insurance in Smallwood

The auto insurance costs in Smallwood fall around $657 for six months.
The cheapest auto insurance company in Smallwood is New York Central Mutual Fire.
Teen drivers pay the highest rate in Smallwood at $933 per month.

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Cheapest Minimum Liability Car Insurance in Smallwood

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 Smallwood are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Smallwood. Their Average 6 Month Premium is $311. Preferred Mutual is the most expensive at $820 for the same period.

Cheapest Liability Coverage in Smallwood, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$311	$52
NYCM	$325	$55
Kemper	$382	$63
Progressive	$452	$76
American Family	$459	$77
USAA	$558	$94
Nationwide	$594	$99
Erie	$750	$127
State Farm	$870	$146
Travelers	$933	$157
Allstate	$976	$164
Utica National	$678	$115
Preferred Mutual	$820	$137

Cheapest Full Coverage Car Insurance in Smallwood

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 Smallwood is Kemper at $112 per month and $657 for six months.

Cheapest Full Coverage Car Insurance Quotes in Smallwood, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$657	$112
New York Central Mutual Fire	$870	$145
Progressive	$877	$148
American Family	$1017	$171
NYCM	$1067	$180
Erie	$1279	$213
Nationwide	$1286	$219
USAA	$1294	$218
State Farm	$1604	$270
Travelers	$1690	$284
Allstate	$1830	$308

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Average Car Insurance in Smallwood 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 Smallwood, NY increasing?

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

Car Insurance Premiums by Age in Smallwood

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	$670
30s	National Grange Mutual	$477
40s	National Grange Mutual	$459
50s	National Grange Mutual	$466
60s	National Grange Mutual	$502
70s	National Grange Mutual	$689

Cheapest Car Insurance Rates for Teen Drivers in Smallwood,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Smallwood at $74 per month. At $5542 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$445	$74
American Family	$537	$90
NYCM	$897	$151
Progressive	$1421	$239
New York Central Mutual Fire	$1548	$258
USAA	$2842	$478
Nationwide	$3712	$619
Travelers	$4595	$774
Allstate	$4969	$837
State Farm	$5542	$933

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 Smallwood.

As young drivers face the highest rates in Smallwood, National Grange Mutual offers the cheapest auto insurance rates at $670 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 Smallwood, Chubb is the cheapest car insurance provider. At $954 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 Smallwood is Progressive, offering rates of around $6157 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$954	$159
Kemper	$997	$169
Nationwide	$1286	$214
USAA	$1781	$303
NYCM	$1859	$309
Erie	$2015	$343
American Family	$2368	$395
Allstate	$2424	$408
State Farm	$2510	$422
Mercury	$2948	$501
Travelers	$3011	$507
Progressive	$6157	$1036

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Car Insurance Rates with An Accident in Smallwood

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

Cheapest Car Insurance Companies after an At-Fault Accident in Smallwood

The cheapest car insurance companies after an at-fault accident in Smallwood include Kemper and American Family, offering $551 and $565, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $685.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$551	$92
American Family	$565	$95
NYCM	$685	$115
Erie	$750	$127
Chubb	$827	$138
Progressive	$904	$152
New York Central Mutual Fire	$1046	$175
USAA	$1123	$189
Nationwide	$1690	$282
Allstate	$1704	$287
State Farm	$2058	$346
Travelers	$2092	$352
Utica National	$678	$115
Preferred Mutual	$685	$114

Smallwood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Smallwood NY. For example, the car insurance in Smallwood after a DUI increases to $849 for a six month policy. While the rate increases by $135 for a six-month policy in the case of a speeding ticket.

Smallwood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1491	$249
One Med/PIP claim	$1491	$253
One comp claim	$1505	$251
Two comp claims	$1520	$258
Two Med/PIP claims	$1520	$253
Not-at-fault accident	$1527	$259
Failure to show documents	$1548	$258
Failure to wear a seat belt	$1555	$264
Driving with expired registration	$1570	$262
At-fault accident - less than $1000	$1577	$268
Cell phone violation	$1577	$263
Child safety restraint	$1577	$268
Driving without lights	$1577	$263
Failure to stop at a red light	$1577	$268
Failure to yield	$1577	$263
Following too closely	$1577	$268
Illegal turn	$1577	$263
Improper passing	$1577	$268
Passing school bus	$1577	$263
Texting while driving	$1577	$268
Wrong way/wrong lane	$1577	$263
Driving too slowly	$1591	$270
Speeding in school zone	$1591	$265
At-fault accident - $1000-$2000	$1597	$271
Speeding 11 - 15 MPH over limit	$1626	$271
Speeding 6 - 10 MPH over limit	$1626	$276
Operating a vehicle without permission	$1654	$276
Open container	$1676	$284
In 65 MPH zone	$1746	$292
Speeding 16 - 20 MPH over limit	$1767	$301
Speeding 21 - 25 MPH over limit	$1830	$305
At-fault accident - greater than $2000	$1972	$336
Reckless driving	$2106	$351
Racing	$2191	$372
Driving with a suspended license	$2269	$378
Refusal to submit to a chemical test	$2318	$394
DUI	$2340	$390
Leaving scene of an accident/hit and run	$2375	$403

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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 Smallwood 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 Smallwood.

The cheapest car insurance premiums in Smallwood are offered by American Family at $537 for a six-month policy. However, it can be as expensive as $2397 with companies like State Farm.

Smallwood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$537	$90
Kemper	$565	$96
Progressive	$685	$115
NYCM	$863	$145
New York Central Mutual Fire	$1272	$212
USAA	$1357	$228
Allstate	$2015	$339
Travelers	$2071	$349
Nationwide	$2099	$350
State Farm	$2397	$403

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 Smallwood are offered by American Family at $474. However, it can be as expensive as $2431 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Smallwood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$474	$81
Kemper	$474	$79
Progressive	$587	$99
NYCM	$784	$131
USAA	$1067	$182
Nationwide	$1471	$245
State Farm	$1591	$270
Travelers	$2325	$388
Allstate	$2431	$413

Car Insurance Price Trends in Smallwood, New York

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

The average cost of full coverage in the Smallwood dipped by $294 in December compared to $295 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 Smallwood dipped to $101 in December, compared to $105 in November. This represents an decrease of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Smallwood?

The car insurance in Smallwood is $52 per month, which is lower than the national average.

What is the cheapest car insurance in Smallwood?

The cheapest car insurance in Smallwood is $112 per month for full coverage.

How much is car insurance in Smallwood for teenagers?

Car insurance for teenagers costs $445 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 Smallwood?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $206 per month to insure your car in Smallwood.

Is car insurance expensive in Smallwood?

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

Cheapest Car Insurance Quotes in Smallwood

Why you can trust Way?

How Much Is Car Insurance in Smallwood

Avg. Car Insurance in Smallwood

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Smallwood

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Smallwood Car Insurance Rates by Company

Cheap Car Insurance Companies in Smallwood, NY

Way's key takeaways about car insurance in Smallwood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Smallwood

Cheapest Liability Coverage in Smallwood, NY

Cheapest Full Coverage Car Insurance in Smallwood

Cheapest Full Coverage Car Insurance Quotes in Smallwood, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Smallwood by Rating Factor

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

Car Insurance Premiums by Age in Smallwood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Smallwood,NY

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

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 Smallwood

Cheapest Car Insurance Companies after an At-Fault Accident in Smallwood

Smallwood Car Insurance Rates by Violation

Smallwood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Smallwood after a DUI

Smallwood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Smallwood after Speeding ticket

Car Insurance Price Trends in Smallwood, New York

Average Car Insurance Cost in Smallwood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Smallwood, NY

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

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