Cheapest Car Insurance Quotes in Stony Brook

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Stony Brook Car Insurance

^$ 59

/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 Stony Brook

The car insurance rate in Stony Brook is $1379 for a six-month policy, which is $350 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $740, making it a popular choice for budget-conscious drivers. Rates in Stony Brook 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 Stony Brook

$1379

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Stony Brook

1st place: Kemper

At $740 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 $980 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $988 for six months, making it the third cheapest auto insurance company in Stony Brook.

Stony Brook Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Stony Brook, NY is Kemper, offering policies at just $740 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $980.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2061 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stony Brook drivers find the best deals.

Cheap Car Insurance Companies in Stony Brook, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$740	$126
New York Central Mutual Fire	$980	$163
Progressive	$988	$166
American Family	$1146	$193
NYCM	$1202	$202
Erie	$1441	$240
Nationwide	$1449	$247
USAA	$1457	$245
State Farm	$1806	$304
Travelers	$1903	$320
Allstate	$2061	$347

Key Takeaways

Way's key takeaways about car insurance in Stony Brook

The auto insurance costs in Stony Brook fall around $740 for six months.
The cheapest auto insurance company in Stony Brook is New York Central Mutual Fire.
Teen drivers pay the highest rate in Stony Brook at $1051 per month.

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Cheapest Minimum Liability Car Insurance in Stony Brook

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 Stony Brook are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Stony Brook. Their Average 6 Month Premium is $350. Preferred Mutual is the most expensive at $923 for the same period.

Cheapest Liability Coverage in Stony Brook, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$350	$59
NYCM	$366	$62
Kemper	$430	$71
Progressive	$509	$86
American Family	$517	$87
USAA	$628	$106
Nationwide	$669	$111
Erie	$844	$143
State Farm	$980	$165
Travelers	$1051	$177
Allstate	$1099	$185
Utica National	$764	$130
Preferred Mutual	$923	$154

Cheapest Full Coverage Car Insurance in Stony Brook

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 Stony Brook is Kemper at $126 per month and $740 for six months.

Cheapest Full Coverage Car Insurance Quotes in Stony Brook, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$740	$126
New York Central Mutual Fire	$980	$163
Progressive	$988	$166
American Family	$1146	$193
NYCM	$1202	$202
Erie	$1441	$240
Nationwide	$1449	$247
USAA	$1457	$245
State Farm	$1806	$304
Travelers	$1903	$320
Allstate	$2061	$347

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Average Car Insurance in Stony Brook 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 Stony Brook, NY increasing?

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

Car Insurance Premiums by Age in Stony Brook

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	$754
30s	National Grange Mutual	$537
40s	National Grange Mutual	$517
50s	National Grange Mutual	$525
60s	National Grange Mutual	$565
70s	National Grange Mutual	$776

Cheapest Car Insurance Rates for Teen Drivers in Stony Brook,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Stony Brook at $83 per month. At $6240 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$501	$83
American Family	$604	$102
NYCM	$1010	$170
Progressive	$1600	$269
New York Central Mutual Fire	$1743	$291
USAA	$3200	$539
Nationwide	$4179	$697
Travelers	$5174	$871
Allstate	$5596	$942
State Farm	$6240	$1051

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 Stony Brook.

As young drivers face the highest rates in Stony Brook, National Grange Mutual offers the cheapest auto insurance rates at $754 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 Stony Brook, Chubb is the cheapest car insurance provider. At $1075 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 Stony Brook is Progressive, offering rates of around $6933 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1075	$180
Kemper	$1123	$190
Nationwide	$1449	$241
USAA	$2006	$342
NYCM	$2093	$348
Erie	$2269	$386
American Family	$2667	$445
Allstate	$2730	$460
State Farm	$2826	$476
Mercury	$3319	$564
Travelers	$3390	$571
Progressive	$6933	$1167

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Car Insurance Rates with An Accident in Stony Brook

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

Cheapest Car Insurance Companies after an At-Fault Accident in Stony Brook

The cheapest car insurance companies after an at-fault accident in Stony Brook include Kemper and American Family, offering $620 and $637, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $772.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$620	$103
American Family	$637	$107
NYCM	$772	$130
Erie	$844	$143
Chubb	$931	$155
Progressive	$1018	$172
New York Central Mutual Fire	$1178	$197
USAA	$1265	$213
Nationwide	$1903	$318
Allstate	$1919	$323
State Farm	$2317	$390
Travelers	$2356	$397
Utica National	$764	$130
Preferred Mutual	$772	$129

Stony Brook Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Stony Brook NY. For example, the car insurance in Stony Brook after a DUI increases to $955 for a six month policy. While the rate increases by $151 for a six-month policy in the case of a speeding ticket.

Stony Brook auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1679	$280
One Med/PIP claim	$1679	$285
One comp claim	$1695	$283
Two comp claims	$1711	$291
Two Med/PIP claims	$1711	$285
Not-at-fault accident	$1719	$292
Failure to show documents	$1743	$291
Failure to wear a seat belt	$1751	$297
Driving with expired registration	$1767	$295
At-fault accident - less than $1000	$1776	$302
Cell phone violation	$1776	$296
Child safety restraint	$1776	$302
Driving without lights	$1776	$296
Failure to stop at a red light	$1776	$302
Failure to yield	$1776	$296
Following too closely	$1776	$302
Illegal turn	$1776	$296
Improper passing	$1776	$302
Passing school bus	$1776	$296
Texting while driving	$1776	$302
Wrong way/wrong lane	$1776	$296
Driving too slowly	$1792	$304
Speeding in school zone	$1792	$299
At-fault accident - $1000-$2000	$1798	$306
Speeding 11 - 15 MPH over limit	$1830	$306
Speeding 6 - 10 MPH over limit	$1830	$311
Operating a vehicle without permission	$1863	$311
Open container	$1887	$320
In 65 MPH zone	$1966	$328
Speeding 16 - 20 MPH over limit	$1990	$339
Speeding 21 - 25 MPH over limit	$2061	$343
At-fault accident - greater than $2000	$2220	$378
Reckless driving	$2372	$395
Racing	$2467	$419
Driving with a suspended license	$2555	$426
Refusal to submit to a chemical test	$2610	$444
DUI	$2634	$440
Leaving scene of an accident/hit and run	$2675	$454

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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 Stony Brook 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 Stony Brook.

The cheapest car insurance premiums in Stony Brook are offered by American Family at $604 for a six-month policy. However, it can be as expensive as $2699 with companies like State Farm.

Stony Brook car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$604	$102
Kemper	$637	$109
Progressive	$772	$130
NYCM	$972	$163
New York Central Mutual Fire	$1432	$239
USAA	$1528	$257
Allstate	$2269	$382
Travelers	$2332	$393
Nationwide	$2364	$394
State Farm	$2699	$454

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 Stony Brook are offered by American Family at $533. However, it can be as expensive as $2738 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Stony Brook after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$533	$91
Kemper	$533	$88
Progressive	$661	$111
NYCM	$883	$147
USAA	$1202	$205
Nationwide	$1656	$276
State Farm	$1792	$304
Travelers	$2618	$437
Allstate	$2738	$465

Car Insurance Price Trends in Stony Brook, New York

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

The average cost of full coverage in the Stony Brook dipped by $331 in December compared to $332 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 Stony Brook dipped to $114 in December, compared to $118 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 Stony Brook?

The car insurance in Stony Brook is $59 per month, which is lower than the national average.

What is the cheapest car insurance in Stony Brook?

The cheapest car insurance in Stony Brook is $126 per month for full coverage.

How much is car insurance in Stony Brook for teenagers?

Car insurance for teenagers costs $501 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 Stony Brook?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $232 per month to insure your car in Stony Brook.

Is car insurance expensive in Stony Brook?

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

Cheapest Car Insurance Quotes in Stony Brook

Why you can trust Way?

How Much Is Car Insurance in Stony Brook

Avg. Car Insurance in Stony Brook

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Stony Brook

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Stony Brook Car Insurance Rates by Company

Cheap Car Insurance Companies in Stony Brook, NY

Way's key takeaways about car insurance in Stony Brook

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Stony Brook

Cheapest Liability Coverage in Stony Brook, NY

Cheapest Full Coverage Car Insurance in Stony Brook

Cheapest Full Coverage Car Insurance Quotes in Stony Brook, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Stony Brook by Rating Factor

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

Car Insurance Premiums by Age in Stony Brook

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Stony Brook,NY

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

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 Stony Brook

Cheapest Car Insurance Companies after an At-Fault Accident in Stony Brook

Stony Brook Car Insurance Rates by Violation

Stony Brook auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Stony Brook after a DUI

Stony Brook car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Stony Brook after Speeding ticket

Car Insurance Price Trends in Stony Brook, New York

Average Car Insurance Cost in Stony Brook by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Stony Brook, NY

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

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