We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Sugar Loaf 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 Sugar Loaf
The car insurance rate in Sugar Loaf is $1204 for a six-month policy, which is $175 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $646, making it a popular choice for budget-conscious drivers. Rates in Sugar Loaf 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 $646 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 $855 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $862
for six months, making it
the third cheapest auto insurance company in Sugar Loaf.
Sugar Loaf Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Sugar Loaf, NY is Kemper, offering policies at just $646 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $855.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1799 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sugar Loaf drivers find the best deals.
Way's key takeaways about car insurance in Sugar Loaf
The auto insurance costs in Sugar Loaf fall around $646 for six
months.
The cheapest auto insurance company in Sugar Loaf is New York Central Mutual Fire.
Teen drivers pay the highest rate in Sugar Loaf at $917 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 Sugar Loaf
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 Sugar Loaf are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in Sugar Loaf. Their Average 6 Month Premium is $305.
Preferred Mutual is the most
expensive at $806 for the same
period.
Cheapest Full Coverage Car Insurance in Sugar Loaf
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 Sugar Loaf is Kemper
at $110 per month and $646
for six months.
Cheapest Full Coverage Car Insurance Quotes in Sugar Loaf,
NY
Get Your Car Insurance Quote in Sugar Loaf
Instantly!
Average Car Insurance in Sugar Loaf 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 Sugar Loaf, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Sugar Loaf, 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, Sugar Loaf's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Sugar Loaf
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
$659
30s
National Grange Mutual
$469
40s
National Grange Mutual
$452
50s
National Grange Mutual
$459
60s
National Grange Mutual
$494
70s
National Grange Mutual
$677
Cheapest Car Insurance Rates for Teen Drivers in
Sugar Loaf,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Sugar Loaf at $73
per
month. At $5449 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 Sugar Loaf.
As young drivers face the highest rates in Sugar Loaf, National Grange Mutual
offers the cheapest auto insurance rates at $659 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 Sugar Loaf,
Chubb is
the cheapest car insurance provider. At $938 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
Sugar Loaf is Progressive, offering
rates of around $6054 for six
months.
Save up to $971/yr on car insurance rates in Sugar Loaf.
Car Insurance Rates with An Accident in Sugar Loaf
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 Sugar Loaf, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Sugar Loaf
The cheapest car insurance companies after an at-fault accident in
Sugar Loaf include Kemper
and American Family, offering $542
and $556,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$674.
Here is a list of driving violations that can increase your car
insurance rates in Sugar Loaf NY. For example, the car
insurance in Sugar Loaf
after a DUI increases to $834 for a six
month policy. While the rate increases by $132 for a six-month policy in the case of
a speeding ticket.
Sugar Loaf auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1466
$245
One Med/PIP claim
$1466
$249
One comp claim
$1480
$247
Two comp claims
$1494
$254
Two Med/PIP claims
$1494
$249
Not-at-fault accident
$1501
$255
Failure to show documents
$1522
$254
Failure to wear a seat belt
$1529
$260
Driving with expired registration
$1543
$257
At-fault accident - less than $1000
$1550
$263
Cell phone violation
$1550
$259
Child safety restraint
$1550
$263
Driving without lights
$1550
$259
Failure to stop at a red light
$1550
$263
Failure to yield
$1550
$259
Following too closely
$1550
$263
Illegal turn
$1550
$259
Improper passing
$1550
$263
Passing school bus
$1550
$259
Texting while driving
$1550
$263
Wrong way/wrong lane
$1550
$259
Driving too slowly
$1564
$266
Speeding in school zone
$1564
$261
At-fault accident - $1000-$2000
$1570
$267
Speeding 11 - 15 MPH over limit
$1598
$267
Speeding 6 - 10 MPH over limit
$1598
$271
Operating a vehicle without permission
$1626
$271
Open container
$1647
$280
In 65 MPH zone
$1716
$287
Speeding 16 - 20 MPH over limit
$1737
$296
Speeding 21 - 25 MPH over limit
$1799
$300
At-fault accident - greater than $2000
$1939
$330
Reckless driving
$2071
$345
Racing
$2154
$366
Driving with a suspended license
$2231
$372
Refusal to submit to a chemical test
$2279
$387
DUI
$2300
$384
Leaving scene of an accident/hit and run
$2335
$397
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 Sugar Loaf 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 Sugar Loaf.
The cheapest car insurance premiums in
Sugar Loaf are
offered by American Family at $528 for a six-month policy.
However, it can be as
expensive as $2356 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 Sugar Loaf are offered by American Family
at $466. However,
it can be as expensive as $2390
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Sugar Loaf after Speeding ticket
Car Insurance Price Trends in Sugar Loaf,
New York
Car insurance rates in Sugar Loaf have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Sugar Loaf dipped by
$289 in December
compared to $290 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 Sugar Loaf dipped to $99 in December,
compared to $103 in November.
This represents an decrease of $4
when comparing December and November.
Average Car Insurance Cost in Sugar Loaf 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
Sugar Loaf. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Sugar Loaf?
The car insurance in Sugar Loaf is $51 per month, which is lower than the national average.
What is the cheapest car insurance in Sugar Loaf?
The cheapest car insurance in Sugar Loaf
is $110 per month
for full coverage.
How much is car insurance in Sugar Loaf for teenagers?
Car insurance for teenagers costs $438 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
Sugar Loaf?
The average cost of car insurance is $1029 for a six-month
policy. It will cost around $202 per month to insure your
car in Sugar Loaf.
Is car insurance expensive in Sugar Loaf?
Car insurance can be expensive in Sugar Loaf if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Sugar Loaf can be
affordable.
What is the best car insurance in Sugar Loaf,
NY?
The best car insurance company in Sugar Loaf
NY is
Kemper, offering $646 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Sugar Loaf right now.
Find Car Insurance Rates in Cities Near Sugar Loaf, NY
Car Insurance Rates by State in the USA (2025 Update)
Sugar Loaf Car Insurance
