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Finding the cheapest car insurance quotes in South Nyack 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 South Nyack
The car insurance rate in South Nyack is $1297 for a six-month policy, which is $268 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $696, making it a popular choice for budget-conscious drivers. Rates in South Nyack 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.
At $696 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 $921 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $929
for six months, making it
the third cheapest auto insurance company in South Nyack.
South Nyack Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in South Nyack, NY is Kemper, offering policies at just $696 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $921.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1938 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Nyack drivers find the best deals.
Way's key takeaways about car insurance in South Nyack
The auto insurance costs in South Nyack fall around $696 for six
months.
The cheapest auto insurance company in South Nyack is New York Central Mutual Fire.
Teen drivers pay the highest rate in South Nyack at $988 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 South Nyack
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 South Nyack are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in South Nyack. Their Average 6 Month Premium is $329.
Preferred Mutual is the most
expensive at $868 for the same
period.
Cheapest Full Coverage Car Insurance in South Nyack
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 South Nyack is Kemper
at $118 per month and $696
for six months.
Cheapest Full Coverage Car Insurance Quotes in South Nyack,
NY
Get Your Car Insurance Quote in South Nyack
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Average Car Insurance in South Nyack 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 South Nyack, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in South Nyack, 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, South Nyack's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in South Nyack
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
$709
30s
National Grange Mutual
$505
40s
National Grange Mutual
$486
50s
National Grange Mutual
$494
60s
National Grange Mutual
$532
70s
National Grange Mutual
$730
Cheapest Car Insurance Rates for Teen Drivers in
South Nyack,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the South Nyack at $78
per
month. At $5868 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 South Nyack.
As young drivers face the highest rates in South Nyack, National Grange Mutual
offers the cheapest auto insurance rates at $709 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 South Nyack,
Chubb is
the cheapest car insurance provider. At $1011 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
South Nyack is Progressive, offering
rates of around $6519 for six
months.
Save up to $971/yr on car insurance rates in South Nyack.
Car Insurance Rates with An Accident in South Nyack
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 South Nyack, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in South Nyack
The cheapest car insurance companies after an at-fault accident in
South Nyack include Kemper
and American Family, offering $583
and $599,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$726.
Here is a list of driving violations that can increase your car
insurance rates in South Nyack NY. For example, the car
insurance in South Nyack
after a DUI increases to $898 for a six
month policy. While the rate increases by $142 for a six-month policy in the case of
a speeding ticket.
South Nyack auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1579
$263
One Med/PIP claim
$1579
$268
One comp claim
$1594
$266
Two comp claims
$1609
$273
Two Med/PIP claims
$1609
$268
Not-at-fault accident
$1617
$275
Failure to show documents
$1639
$273
Failure to wear a seat belt
$1647
$280
Driving with expired registration
$1662
$277
At-fault accident - less than $1000
$1670
$284
Cell phone violation
$1670
$278
Child safety restraint
$1670
$284
Driving without lights
$1670
$278
Failure to stop at a red light
$1670
$284
Failure to yield
$1670
$278
Following too closely
$1670
$284
Illegal turn
$1670
$278
Improper passing
$1670
$284
Passing school bus
$1670
$278
Texting while driving
$1670
$284
Wrong way/wrong lane
$1670
$278
Driving too slowly
$1685
$286
Speeding in school zone
$1685
$281
At-fault accident - $1000-$2000
$1691
$287
Speeding 11 - 15 MPH over limit
$1721
$287
Speeding 6 - 10 MPH over limit
$1721
$292
Operating a vehicle without permission
$1751
$292
Open container
$1774
$301
In 65 MPH zone
$1848
$309
Speeding 16 - 20 MPH over limit
$1871
$319
Speeding 21 - 25 MPH over limit
$1938
$323
At-fault accident - greater than $2000
$2088
$355
Reckless driving
$2230
$372
Racing
$2320
$394
Driving with a suspended license
$2403
$401
Refusal to submit to a chemical test
$2454
$417
DUI
$2477
$413
Leaving scene of an accident/hit and run
$2515
$427
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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 South Nyack 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 South Nyack.
The cheapest car insurance premiums in
South Nyack are
offered by American Family at $568 for a six-month policy.
However, it can be as
expensive as $2538 with companies
like State Farm.
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 South Nyack are offered by American Family
at $501. However,
it can be as expensive as $2574
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in South Nyack after Speeding ticket
Car Insurance Price Trends in South Nyack,
New York
Car insurance rates in South Nyack have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the South Nyack dipped by
$311 in December
compared to $312 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 South Nyack dipped to $107 in December,
compared to $111 in November.
This represents an decrease of $4
when comparing December and November.
Average Car Insurance Cost in South Nyack 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
South Nyack. 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 South Nyack?
The car insurance in South Nyack is $55 per month, which is lower than the national average.
What is the cheapest car insurance in South Nyack?
The cheapest car insurance in South Nyack
is $118 per month
for full coverage.
How much is car insurance in South Nyack for teenagers?
Car insurance for teenagers costs $471 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
South Nyack?
The average cost of car insurance is $1029 for a six-month
policy. It will cost around $218 per month to insure your
car in South Nyack.
Is car insurance expensive in South Nyack?
Car insurance can be expensive in South Nyack if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in South Nyack can be
affordable.
What is the best car insurance in South Nyack,
NY?
The best car insurance company in South Nyack
NY is
Kemper, offering $696 for a
six-month policy.
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Find Car Insurance Rates in Cities Near South Nyack, NY
Car Insurance Rates by State in the USA (2025 Update)
South Nyack Car Insurance
