Cheapest Car Insurance Quotes in Stewart Manor

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Stewart Manor Car Insurance

^$ 71

/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 Stewart Manor

The car insurance rate in Stewart Manor is $1876 for a six-month policy, which is $718 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $894, making it a popular choice for budget-conscious drivers. Rates in Stewart Manor 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 Stewart Manor

$1876

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Stewart Manor

1st place: Kemper

At $894 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 $1184 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1260 for six months, making it the third cheapest auto insurance company in Stewart Manor.

Stewart Manor Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Stewart Manor, NY is Kemper, offering policies at just $894 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1184.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $2877 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stewart Manor drivers find the best deals.

Cheap Car Insurance Companies in Stewart Manor, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$894	$152
New York Central Mutual Fire	$1184	$198
Progressive	$1260	$212
American Family	$1385	$233
NYCM	$1675	$282
USAA	$1857	$313
Erie	$1895	$319
Nationwide	$2069	$345
Travelers	$2108	$355
State Farm	$2511	$423
Allstate	$2809	$473
Chubb	$2877	$480

Key Takeaways

Way's key takeaways about car insurance in Stewart Manor

The auto insurance costs in Stewart Manor fall around $894 for six months.
The cheapest auto insurance company in Stewart Manor is New York Central Mutual Fire.
Teen drivers pay the highest rate in Stewart Manor at $1447 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Stewart Manor

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 Stewart Manor are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Stewart Manor. Their Average 6 Month Premium is $423. Preferred Mutual is the most expensive at $1116 for the same period.

Cheapest Liability Coverage in Stewart Manor, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$423	$71
NYCM	$501	$83
Kemper	$520	$89
American Family	$625	$105
Progressive	$645	$109
USAA	$828	$139
Erie	$1021	$173
Travelers	$1097	$183
Allstate	$1175	$199
State Farm	$1251	$209
Nationwide	$808	$134
Utica National	$923	$157
Preferred Mutual	$1116	$186

Cheapest Full Coverage Car Insurance in Stewart Manor

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 Stewart Manor is Kemper at $152 per month and $894 for six months.

Cheapest Full Coverage Car Insurance Quotes in Stewart Manor, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$894	$152
New York Central Mutual Fire	$1184	$198
Progressive	$1260	$212
American Family	$1385	$233
NYCM	$1675	$282
USAA	$1857	$313
Erie	$1895	$319
Nationwide	$2069	$345
Travelers	$2108	$355
State Farm	$2511	$423
Allstate	$2809	$473
Chubb	$2877	$480

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Average Car Insurance in Stewart Manor 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 Stewart Manor, NY increasing?

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

Car Insurance Premiums by Age in Stewart Manor

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

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Cheapest Car Insurance Rates for Teen Drivers in Stewart Manor,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Stewart Manor at $104 per month. At $8592 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$606	$104
American Family	$731	$123
NYCM	$1617	$272
Progressive	$1993	$335
New York Central Mutual Fire	$2108	$358
Erie	$4052	$676
USAA	$4455	$750
Travelers	$5860	$987
Nationwide	$6101	$1037
Chubb	$6389	$1064
Allstate	$7352	$1238
State Farm	$8592	$1447

Teen Car Insurance Rates in NY by Age

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 Stewart Manor, Kemper is the cheapest car insurance provider. At $1358 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 Stewart Manor is Progressive, offering rates of around $8131 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1358	$227
Nationwide	$2069	$352
Chubb	$2454	$413
USAA	$2982	$507
Erie	$3175	$535
American Family	$3224	$548
NYCM	$3609	$601
Allstate	$3935	$663
Mercury	$4013	$669
State Farm	$4147	$698
Travelers	$4802	$808
Progressive	$8131	$1369

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Stewart Manor.

Car Insurance Rates with An Accident in Stewart Manor

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

Cheapest Car Insurance Companies after an At-Fault Accident in Stewart Manor

The cheapest car insurance companies after an at-fault accident in Stewart Manor include Kemper and American Family, offering $750 and $770, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $933.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$750	$125
American Family	$770	$130
Progressive	$1184	$199
NYCM	$1204	$203
New York Central Mutual Fire	$1424	$238
USAA	$1617	$272
Erie	$2069	$348
Chubb	$2347	$395
Allstate	$2530	$426
Travelers	$2608	$439
Nationwide	$2733	$455
State Farm	$3195	$538
Utica National	$923	$157
Preferred Mutual	$933	$156

Stewart Manor Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Stewart Manor NY. For example, the car insurance in Stewart Manor after a DUI increases to $1155 for a six month policy. While the rate increases by $183 for a six-month policy in the case of a speeding ticket.

Stewart Manor auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2030	$339
One Med/PIP claim	$2030	$345
One comp claim	$2049	$342
Two comp claims	$2069	$352
Two Med/PIP claims	$2069	$345
Not-at-fault accident	$2078	$353
Failure to show documents	$2108	$352
Failure to wear a seat belt	$2117	$360
Driving with expired registration	$2137	$356
At-fault accident - less than $1000	$2147	$365
Cell phone violation	$2147	$358
Child safety restraint	$2147	$365
Driving without lights	$2147	$358
Failure to stop at a red light	$2147	$365
Failure to yield	$2147	$358
Following too closely	$2147	$365
Illegal turn	$2147	$358
Improper passing	$2147	$365
Passing school bus	$2147	$358
Texting while driving	$2147	$365
Wrong way/wrong lane	$2147	$358
Driving too slowly	$2166	$368
Speeding in school zone	$2166	$361
At-fault accident - $1000-$2000	$2174	$369
Speeding 11 - 15 MPH over limit	$2213	$369
Speeding 6 - 10 MPH over limit	$2213	$376
Operating a vehicle without permission	$2252	$376
Open container	$2281	$387
In 65 MPH zone	$2377	$397
Speeding 16 - 20 MPH over limit	$2406	$410
Speeding 21 - 25 MPH over limit	$2492	$415
At-fault accident - greater than $2000	$2684	$457
Reckless driving	$2867	$478
Racing	$2982	$507
Driving with a suspended license	$3089	$515
Refusal to submit to a chemical test	$3156	$536
DUI	$3185	$531
Leaving scene of an accident/hit and run	$3234	$549

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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 Stewart Manor 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 Stewart Manor.

The cheapest car insurance premiums in Stewart Manor are offered by American Family at $731 for a six-month policy. However, it can be as expensive as $3609 with companies like Chubb.

Stewart Manor car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$731	$123
Kemper	$770	$131
Progressive	$991	$167
NYCM	$1502	$253
New York Central Mutual Fire	$1732	$288
USAA	$1973	$332
Travelers	$2579	$434
Allstate	$3050	$514
Erie	$3146	$525
Nationwide	$3417	$582
State Farm	$3590	$604
Chubb	$3609	$614

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 Stewart Manor are offered by American Family at $645. However, it can be as expensive as $4108 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Stewart Manor after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$645	$107
Kemper	$645	$110
Progressive	$933	$157
NYCM	$1511	$258
USAA	$1751	$292
Erie	$2049	$348
Nationwide	$2069	$345
Travelers	$2386	$405
State Farm	$2887	$481
Chubb	$3417	$582
Allstate	$4108	$685

Car Insurance Price Trends in Stewart Manor, New York

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

The average cost of full coverage in the Stewart Manor rose by $446 in January compared to $400 of December. In other words, there has been an increase by $46 when you compare January and December.

The average cost of liability insurance in the Stewart Manor dipped to $130 in January, compared to $138 in December. This represents an decrease of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Stewart Manor?

The car insurance in Stewart Manor is $71 per month, which is lower than the national average.

What is the cheapest car insurance in Stewart Manor?

The cheapest car insurance in Stewart Manor is $152 per month for full coverage.

How much is car insurance in Stewart Manor for teenagers?

Car insurance for teenagers costs $606 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 Stewart Manor?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $314 per month to insure your car in Stewart Manor.

Is car insurance expensive in Stewart Manor?

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

Cheapest Car Insurance Quotes in Stewart Manor

Why you can trust Way?

How Much Is Car Insurance in Stewart Manor

Avg. Car Insurance in Stewart Manor

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Stewart Manor

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Stewart Manor Car Insurance Rates by Company

Cheap Car Insurance Companies in Stewart Manor, NY

Way's key takeaways about car insurance in Stewart Manor

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Stewart Manor

Cheapest Liability Coverage in Stewart Manor, NY

Cheapest Full Coverage Car Insurance in Stewart Manor

Cheapest Full Coverage Car Insurance Quotes in Stewart Manor, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Stewart Manor by Rating Factor

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

Car Insurance Premiums by Age in Stewart Manor

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Stewart Manor,NY

If you are in your twenties N/A is the best choice for car insurance in Stewart Manor.

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 Stewart Manor

Cheapest Car Insurance Companies after an At-Fault Accident in Stewart Manor

Stewart Manor Car Insurance Rates by Violation

Stewart Manor auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Stewart Manor after a DUI

Stewart Manor car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Stewart Manor after Speeding ticket

Car Insurance Price Trends in Stewart Manor, New York

Average Car Insurance Cost in Stewart Manor by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Stewart Manor, NY

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

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