Cheapest Car Insurance Quotes in South Valley Stream

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South Valley Stream Car Insurance

^$ 84

/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 South Valley Stream

The car insurance rate in South Valley Stream is $1955 for a six-month policy, which is $926 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1049, making it a popular choice for budget-conscious drivers. Rates in South Valley Stream 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 South Valley Stream

$1955

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in South Valley Stream

1st place: Kemper

At $1049 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 $1389 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1400 for six months, making it the third cheapest auto insurance company in South Valley Stream.

South Valley Stream Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Valley Stream, NY is Kemper, offering policies at just $1049 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1389.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2922 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Valley Stream drivers find the best deals.

Cheap Car Insurance Companies in South Valley Stream, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1049	$179
New York Central Mutual Fire	$1389	$232
Progressive	$1400	$236
American Family	$1625	$274
NYCM	$1704	$287
Erie	$2043	$340
Nationwide	$2054	$350
USAA	$2065	$348
State Farm	$2561	$431
Travelers	$2698	$454
Allstate	$2922	$492

Key Takeaways

Way's key takeaways about car insurance in South Valley Stream

The auto insurance costs in South Valley Stream fall around $1049 for six months.
The cheapest auto insurance company in South Valley Stream is New York Central Mutual Fire.
Teen drivers pay the highest rate in South Valley Stream at $1490 per month.

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Cheapest Minimum Liability Car Insurance in South Valley Stream

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 Valley Stream are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in South Valley Stream. Their Average 6 Month Premium is $496. Preferred Mutual is the most expensive at $1309 for the same period.

Cheapest Liability Coverage in South Valley Stream, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$496	$84
NYCM	$519	$87
Kemper	$610	$101
Progressive	$722	$122
American Family	$733	$124
USAA	$891	$150
Nationwide	$948	$158
Erie	$1197	$203
State Farm	$1389	$234
Travelers	$1490	$251
Allstate	$1558	$262
Utica National	$1083	$184
Preferred Mutual	$1309	$219

Cheapest Full Coverage Car Insurance in South Valley Stream

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 Valley Stream is Kemper at $179 per month and $1049 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Valley Stream, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1049	$179
New York Central Mutual Fire	$1389	$232
Progressive	$1400	$236
American Family	$1625	$274
NYCM	$1704	$287
Erie	$2043	$340
Nationwide	$2054	$350
USAA	$2065	$348
State Farm	$2561	$431
Travelers	$2698	$454
Allstate	$2922	$492

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Average Car Insurance in South Valley Stream 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 Valley Stream, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in South Valley Stream, 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 Valley Stream'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 Valley Stream

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	$1070
30s	National Grange Mutual	$762
40s	National Grange Mutual	$733
50s	National Grange Mutual	$745
60s	National Grange Mutual	$802
70s	National Grange Mutual	$1100

Cheapest Car Insurance Rates for Teen Drivers in South Valley Stream,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the South Valley Stream at $118 per month. At $8848 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$711	$118
American Family	$857	$144
NYCM	$1433	$241
Progressive	$2269	$382
New York Central Mutual Fire	$2472	$412
USAA	$4537	$764
Nationwide	$5926	$988
Travelers	$7336	$1235
Allstate	$7934	$1336
State Farm	$8848	$1490

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 South Valley Stream.

As young drivers face the highest rates in South Valley Stream, National Grange Mutual offers the cheapest auto insurance rates at $1070 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 Valley Stream, Chubb is the cheapest car insurance provider. At $1524 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 Valley Stream is Progressive, offering rates of around $9831 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1524	$255
Kemper	$1592	$270
Nationwide	$2054	$342
USAA	$2844	$485
NYCM	$2968	$494
Erie	$3217	$547
American Family	$3781	$631
Allstate	$3870	$652
State Farm	$4007	$675
Mercury	$4706	$800
Travelers	$4807	$809
Progressive	$9831	$1655

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Car Insurance Rates with An Accident in South Valley Stream

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

Cheapest Car Insurance Companies after an At-Fault Accident in South Valley Stream

The cheapest car insurance companies after an at-fault accident in South Valley Stream include Kemper and American Family, offering $880 and $903, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $1094.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$880	$146
American Family	$903	$152
NYCM	$1094	$184
Erie	$1197	$203
Chubb	$1321	$220
Progressive	$1444	$243
New York Central Mutual Fire	$1670	$279
USAA	$1794	$302
Nationwide	$2698	$450
Allstate	$2721	$458
State Farm	$3285	$553
Travelers	$3340	$562
Utica National	$1083	$184
Preferred Mutual	$1094	$182

South Valley Stream Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Valley Stream NY. For example, the car insurance in South Valley Stream after a DUI increases to $1354 for a six month policy. While the rate increases by $214 for a six-month policy in the case of a speeding ticket.

South Valley Stream auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2381	$397
One Med/PIP claim	$2381	$405
One comp claim	$2404	$401
Two comp claims	$2426	$412
Two Med/PIP claims	$2426	$405
Not-at-fault accident	$2438	$414
Failure to show documents	$2472	$412
Failure to wear a seat belt	$2483	$422
Driving with expired registration	$2506	$418
At-fault accident - less than $1000	$2518	$428
Cell phone violation	$2518	$420
Child safety restraint	$2518	$428
Driving without lights	$2518	$420
Failure to stop at a red light	$2518	$428
Failure to yield	$2518	$420
Following too closely	$2518	$428
Illegal turn	$2518	$420
Improper passing	$2518	$428
Passing school bus	$2518	$420
Texting while driving	$2518	$428
Wrong way/wrong lane	$2518	$420
Driving too slowly	$2540	$431
Speeding in school zone	$2540	$424
At-fault accident - $1000-$2000	$2550	$433
Speeding 11 - 15 MPH over limit	$2595	$433
Speeding 6 - 10 MPH over limit	$2595	$441
Operating a vehicle without permission	$2641	$441
Open container	$2675	$454
In 65 MPH zone	$2787	$466
Speeding 16 - 20 MPH over limit	$2822	$481
Speeding 21 - 25 MPH over limit	$2922	$486
At-fault accident - greater than $2000	$3148	$536
Reckless driving	$3363	$561
Racing	$3498	$595
Driving with a suspended license	$3623	$604
Refusal to submit to a chemical test	$3701	$629
DUI	$3735	$623
Leaving scene of an accident/hit and run	$3792	$644

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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 Valley Stream 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 Valley Stream.

The cheapest car insurance premiums in South Valley Stream are offered by American Family at $857 for a six-month policy. However, it can be as expensive as $3827 with companies like State Farm.

South Valley Stream car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$857	$144
Kemper	$903	$154
Progressive	$1094	$184
NYCM	$1378	$232
New York Central Mutual Fire	$2031	$338
USAA	$2166	$365
Allstate	$3217	$542
Travelers	$3306	$557
Nationwide	$3352	$559
State Farm	$3827	$644

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 South Valley Stream are offered by American Family at $756. However, it can be as expensive as $3882 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in South Valley Stream after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$756	$129
Kemper	$756	$125
Progressive	$937	$158
NYCM	$1252	$209
USAA	$1704	$291
Nationwide	$2348	$391
State Farm	$2540	$431
Travelers	$3713	$619
Allstate	$3882	$659

Car Insurance Price Trends in South Valley Stream, New York

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

The average cost of full coverage in the South Valley Stream dipped by $469 in December compared to $471 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 Valley Stream dipped to $162 in December, compared to $167 in November. This represents an decrease of $5 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in South Valley Stream?

The car insurance in South Valley Stream is $84 per month, which is lower than the national average.

What is the cheapest car insurance in South Valley Stream?

The cheapest car insurance in South Valley Stream is $179 per month for full coverage.

How much is car insurance in South Valley Stream for teenagers?

Car insurance for teenagers costs $711 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 Valley Stream?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $329 per month to insure your car in South Valley Stream.

Is car insurance expensive in South Valley Stream?

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

Cheapest Car Insurance Quotes in South Valley Stream

Why you can trust Way?

How Much Is Car Insurance in South Valley Stream

Avg. Car Insurance in South Valley Stream

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in South Valley Stream

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

South Valley Stream Car Insurance Rates by Company

Cheap Car Insurance Companies in South Valley Stream, NY

Way's key takeaways about car insurance in South Valley Stream

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in South Valley Stream

Cheapest Liability Coverage in South Valley Stream, NY

Cheapest Full Coverage Car Insurance in South Valley Stream

Cheapest Full Coverage Car Insurance Quotes in South Valley Stream, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in South Valley Stream by Rating Factor

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

Car Insurance Premiums by Age in South Valley Stream

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in South Valley Stream,NY

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

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 South Valley Stream

Cheapest Car Insurance Companies after an At-Fault Accident in South Valley Stream

South Valley Stream Car Insurance Rates by Violation

South Valley Stream auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in South Valley Stream after a DUI

South Valley Stream car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in South Valley Stream after Speeding ticket

Car Insurance Price Trends in South Valley Stream, New York

Average Car Insurance Cost in South Valley Stream by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near South Valley Stream, NY

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

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