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Finding the cheapest car insurance quotes in Stormville 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 Stormville
The car insurance rate in Stormville is $1122 for a six-month policy, which is $93 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $602, making it a popular choice for budget-conscious drivers. Rates in Stormville 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 $602 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 $797 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $803
for six months, making it
the third cheapest auto insurance company in Stormville.
Stormville Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Stormville, NY is Kemper, offering policies at just $602 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $797.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1676 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stormville drivers find the best deals.
Way's key takeaways about car insurance in Stormville
The auto insurance costs in Stormville fall around $602 for six
months.
The cheapest auto insurance company in Stormville is New York Central Mutual Fire.
Teen drivers pay the highest rate in Stormville at $855 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 Stormville
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 Stormville are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in Stormville. Their Average 6 Month Premium is $284.
Preferred Mutual is the most
expensive at $751 for the same
period.
Cheapest Full Coverage Car Insurance in Stormville
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 Stormville is Kemper
at $102 per month and $602
for six months.
Cheapest Full Coverage Car Insurance Quotes in Stormville,
NY
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Average Car Insurance in Stormville 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 Stormville, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Stormville, 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, Stormville's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Stormville
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
$614
30s
National Grange Mutual
$437
40s
National Grange Mutual
$421
50s
National Grange Mutual
$427
60s
National Grange Mutual
$460
70s
National Grange Mutual
$631
Cheapest Car Insurance Rates for Teen Drivers in
Stormville,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Stormville at $68
per
month. At $5076 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 Stormville.
As young drivers face the highest rates in Stormville, National Grange Mutual
offers the cheapest auto insurance rates at $614 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 Stormville,
Chubb is
the cheapest car insurance provider. At $874 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
Stormville is Progressive, offering
rates of around $5640 for six
months.
Save up to $971/yr on car insurance rates in Stormville.
Car Insurance Rates with An Accident in Stormville
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 Stormville, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Stormville
The cheapest car insurance companies after an at-fault accident in
Stormville include Kemper
and American Family, offering $505
and $518,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$628.
Here is a list of driving violations that can increase your car
insurance rates in Stormville NY. For example, the car
insurance in Stormville
after a DUI increases to $777 for a six
month policy. While the rate increases by $123 for a six-month policy in the case of
a speeding ticket.
Stormville auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1366
$228
One Med/PIP claim
$1366
$232
One comp claim
$1379
$230
Two comp claims
$1392
$237
Two Med/PIP claims
$1392
$232
Not-at-fault accident
$1398
$238
Failure to show documents
$1418
$237
Failure to wear a seat belt
$1425
$242
Driving with expired registration
$1438
$240
At-fault accident - less than $1000
$1444
$245
Cell phone violation
$1444
$241
Child safety restraint
$1444
$245
Driving without lights
$1444
$241
Failure to stop at a red light
$1444
$245
Failure to yield
$1444
$241
Following too closely
$1444
$245
Illegal turn
$1444
$241
Improper passing
$1444
$245
Passing school bus
$1444
$241
Texting while driving
$1444
$245
Wrong way/wrong lane
$1444
$241
Driving too slowly
$1457
$247
Speeding in school zone
$1457
$243
At-fault accident - $1000-$2000
$1463
$249
Speeding 11 - 15 MPH over limit
$1489
$249
Speeding 6 - 10 MPH over limit
$1489
$253
Operating a vehicle without permission
$1515
$253
Open container
$1535
$261
In 65 MPH zone
$1599
$267
Speeding 16 - 20 MPH over limit
$1619
$276
Speeding 21 - 25 MPH over limit
$1676
$279
At-fault accident - greater than $2000
$1806
$307
Reckless driving
$1929
$322
Racing
$2007
$341
Driving with a suspended license
$2079
$347
Refusal to submit to a chemical test
$2123
$361
DUI
$2143
$358
Leaving scene of an accident/hit and run
$2176
$370
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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 Stormville 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 Stormville.
The cheapest car insurance premiums in
Stormville are
offered by American Family at $492 for a six-month policy.
However, it can be as
expensive as $2195 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 Stormville are offered by American Family
at $434. However,
it can be as expensive as $2227
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Stormville after Speeding ticket
Car Insurance Price Trends in Stormville,
New York
Car insurance rates in Stormville have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Stormville dipped by
$269 in December
compared to $270 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 Stormville dipped to $93 in December,
compared to $96 in November.
This represents an decrease of $3
when comparing December and November.
Average Car Insurance Cost in Stormville 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
Stormville. At $2243 for a
six-month policy, insuring
your car at 12582 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 Stormville?
The car insurance in Stormville is $48 per month, which is lower than the national average.
What is the cheapest car insurance in Stormville?
The cheapest car insurance in Stormville
is $102 per month
for full coverage.
How much is car insurance in Stormville for teenagers?
Car insurance for teenagers costs $408 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
Stormville?
The average cost of car insurance is $1029 for a six-month
policy. It will cost around $189 per month to insure your
car in Stormville.
Is car insurance expensive in Stormville?
Car insurance can be expensive in Stormville if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Stormville can be
affordable.
What is the best car insurance in Stormville,
NY?
The best car insurance company in Stormville
NY is
Kemper, offering $602 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Stormville, NY
Car Insurance Rates by State in the USA (2025 Update)
Stormville Car Insurance
