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Finding the cheapest car insurance quotes in South Ozone Park 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 Ozone Park
The car insurance rate in South Ozone Park is $2398 for a six-month policy, which is $1369 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1286, making it a popular choice for budget-conscious drivers. Rates in South Ozone Park 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 South Ozone Park
1st place: Kemper
At $1286 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 $1703 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $1717
for six months, making it
the third cheapest auto insurance company in South Ozone Park.
South Ozone Park Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in South Ozone Park, NY is Kemper, offering policies at just $1286 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1703.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $3584 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Ozone Park drivers find the best deals.
Cheap Car Insurance Companies in South Ozone Park, NY
Way's key takeaways about car insurance in South Ozone Park
The auto insurance costs in South Ozone Park fall around $1286 for six
months.
The cheapest auto insurance company in South Ozone Park is New York Central Mutual Fire.
Teen drivers pay the highest rate in South Ozone Park at $1827 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 Ozone Park
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 Ozone Park are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in South Ozone Park. Their Average 6 Month Premium is $608.
Preferred Mutual is the most
expensive at $1605 for the same
period.
Cheapest Liability Coverage in South Ozone Park, NY
Cheapest Full Coverage Car Insurance in South Ozone Park
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 Ozone Park is Kemper
at $219 per month and $1286
for six months.
Cheapest Full Coverage Car Insurance Quotes in South Ozone Park,
NY
Get Your Car Insurance Quote in South Ozone Park
Instantly!
Average Car Insurance in South Ozone Park 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 Ozone Park, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in South Ozone Park, 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 Ozone Park'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 Ozone Park
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
$1312
30s
National Grange Mutual
$934
40s
National Grange Mutual
$899
50s
National Grange Mutual
$913
60s
National Grange Mutual
$983
70s
National Grange Mutual
$1349
Cheapest Car Insurance Rates for Teen Drivers in
South Ozone Park,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the South Ozone Park at $144
per
month. At $10851 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 Ozone Park.
As young drivers face the highest rates in South Ozone Park, National Grange Mutual
offers the cheapest auto insurance rates at $1312 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 Ozone Park,
Chubb is
the cheapest car insurance provider. At $1869 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 Ozone Park is Progressive, offering
rates of around $12055 for six
months.
Save up to $971/yr on car insurance rates in South Ozone Park.
Car Insurance Rates with An Accident in South Ozone Park
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 Ozone Park, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in South Ozone Park
The cheapest car insurance companies after an at-fault accident in
South Ozone Park include Kemper
and American Family, offering $1079
and $1107,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$1342.
Here is a list of driving violations that can increase your car
insurance rates in South Ozone Park NY. For example, the car
insurance in South Ozone Park
after a DUI increases to $1662 for a six
month policy. While the rate increases by $264 for a six-month policy in the case of
a speeding ticket.
South Ozone Park auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$2919
$487
One Med/PIP claim
$2919
$496
One comp claim
$2947
$492
Two comp claims
$2975
$506
Two Med/PIP claims
$2975
$496
Not-at-fault accident
$2989
$508
Failure to show documents
$3031
$506
Failure to wear a seat belt
$3045
$517
Driving with expired registration
$3073
$513
At-fault accident - less than $1000
$3087
$524
Cell phone violation
$3087
$515
Child safety restraint
$3087
$524
Driving without lights
$3087
$515
Failure to stop at a red light
$3087
$524
Failure to yield
$3087
$515
Following too closely
$3087
$524
Illegal turn
$3087
$515
Improper passing
$3087
$524
Passing school bus
$3087
$515
Texting while driving
$3087
$524
Wrong way/wrong lane
$3087
$515
Driving too slowly
$3115
$529
Speeding in school zone
$3115
$520
At-fault accident - $1000-$2000
$3127
$531
Speeding 11 - 15 MPH over limit
$3183
$531
Speeding 6 - 10 MPH over limit
$3183
$541
Operating a vehicle without permission
$3239
$541
Open container
$3281
$557
In 65 MPH zone
$3418
$571
Speeding 16 - 20 MPH over limit
$3460
$589
Speeding 21 - 25 MPH over limit
$3584
$596
At-fault accident - greater than $2000
$3861
$657
Reckless driving
$4124
$687
Racing
$4290
$729
Driving with a suspended license
$4443
$741
Refusal to submit to a chemical test
$4539
$771
DUI
$4581
$764
Leaving scene of an accident/hit and run
$4651
$790
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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 Ozone Park 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 Ozone Park.
The cheapest car insurance premiums in
South Ozone Park are
offered by American Family at $1051 for a six-month policy.
However, it can be as
expensive as $4693 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 Ozone Park are offered by American Family
at $927. However,
it can be as expensive as $4760
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in South Ozone Park after Speeding ticket
Car Insurance Price Trends in South Ozone Park,
New York
Car insurance rates in South Ozone Park have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the South Ozone Park dipped by
$576 in December
compared to $578 of November. In other words, there has been an decrease by $2 when you
compare December and November.
The average cost of liability insurance in the South Ozone Park dipped to $198 in December,
compared to $205 in November.
This represents an decrease of $7
when comparing December and November.
Average Car Insurance Cost in South Ozone Park 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 Ozone Park. At $4795 for a
six-month policy, insuring
your car at 11420 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 Ozone Park?
The car insurance in South Ozone Park is $103 per month, which is higher than the national average.
What is the cheapest car insurance in South Ozone Park?
The cheapest car insurance in South Ozone Park
is $219 per month
for full coverage.
How much is car insurance in South Ozone Park for teenagers?
Car insurance for teenagers costs $871 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 Ozone Park?
The average cost of car insurance is $1029 for a six-month
policy. It will cost around $403 per month to insure your
car in South Ozone Park.
Is car insurance expensive in South Ozone Park?
Car insurance can be expensive in South Ozone Park if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in South Ozone Park can be
affordable.
What is the best car insurance in South Ozone Park,
NY?
The best car insurance company in South Ozone Park
NY is
Kemper, offering $1286 for a
six-month policy.
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South Ozone Park Car Insurance
