Cheapest Car Insurance Quotes in Sunset Bay

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Sunset Bay Car Insurance

^$ 37

/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 Sunset Bay

The car insurance rate in Sunset Bay is $875 for a six-month policy, which is $154 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $469, making it a popular choice for budget-conscious drivers. Rates in Sunset Bay 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 Sunset Bay

$875

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Sunset Bay

1st place: Kemper

At $469 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 $621 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $626 for six months, making it the third cheapest auto insurance company in Sunset Bay.

Sunset Bay Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sunset Bay, NY is Kemper, offering policies at just $469 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $621.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1307 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sunset Bay drivers find the best deals.

Cheap Car Insurance Companies in Sunset Bay, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$469	$80
New York Central Mutual Fire	$621	$104
Progressive	$626	$105
American Family	$727	$122
NYCM	$762	$128
Erie	$914	$152
Nationwide	$919	$156
USAA	$924	$156
State Farm	$1146	$193
Travelers	$1207	$203
Allstate	$1307	$220

Key Takeaways

Way's key takeaways about car insurance in Sunset Bay

The auto insurance costs in Sunset Bay fall around $469 for six months.
The cheapest auto insurance company in Sunset Bay is New York Central Mutual Fire.
Teen drivers pay the highest rate in Sunset Bay at $666 per month.

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Cheapest Minimum Liability Car Insurance in Sunset Bay

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 Sunset Bay are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Sunset Bay. Their Average 6 Month Premium is $222. Preferred Mutual is the most expensive at $586 for the same period.

Cheapest Liability Coverage in Sunset Bay, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$222	$37
NYCM	$232	$39
Kemper	$273	$45
Progressive	$323	$54
American Family	$328	$55
USAA	$399	$67
Nationwide	$424	$71
Erie	$536	$91
State Farm	$621	$105
Travelers	$666	$112
Allstate	$697	$117
Utica National	$485	$82
Preferred Mutual	$586	$98

Cheapest Full Coverage Car Insurance in Sunset Bay

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 Sunset Bay is Kemper at $80 per month and $469 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sunset Bay, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$469	$80
New York Central Mutual Fire	$621	$104
Progressive	$626	$105
American Family	$727	$122
NYCM	$762	$128
Erie	$914	$152
Nationwide	$919	$156
USAA	$924	$156
State Farm	$1146	$193
Travelers	$1207	$203
Allstate	$1307	$220

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Average Car Insurance in Sunset Bay 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 Sunset Bay, NY increasing?

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

Car Insurance Premiums by Age in Sunset Bay

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	$479
30s	National Grange Mutual	$341
40s	National Grange Mutual	$328
50s	National Grange Mutual	$333
60s	National Grange Mutual	$359
70s	National Grange Mutual	$492

Cheapest Car Insurance Rates for Teen Drivers in Sunset Bay,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Sunset Bay at $53 per month. At $3958 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$318	$53
American Family	$383	$65
NYCM	$641	$108
Progressive	$1015	$171
New York Central Mutual Fire	$1106	$184
USAA	$2030	$342
Nationwide	$2651	$442
Travelers	$3282	$553
Allstate	$3550	$598
State Farm	$3958	$666

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 Sunset Bay.

As young drivers face the highest rates in Sunset Bay, National Grange Mutual offers the cheapest auto insurance rates at $479 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 Sunset Bay, Chubb is the cheapest car insurance provider. At $682 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 Sunset Bay is Progressive, offering rates of around $4398 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$682	$114
Kemper	$712	$121
Nationwide	$919	$153
USAA	$1272	$217
NYCM	$1328	$221
Erie	$1439	$245
American Family	$1692	$282
Allstate	$1731	$292
State Farm	$1793	$302
Mercury	$2105	$358
Travelers	$2151	$362
Progressive	$4398	$740

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Car Insurance Rates with An Accident in Sunset Bay

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 Sunset Bay, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Sunset Bay

The cheapest car insurance companies after an at-fault accident in Sunset Bay include Kemper and American Family, offering $394 and $404, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $490.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$394	$65
American Family	$404	$68
NYCM	$490	$82
Erie	$536	$91
Chubb	$591	$99
Progressive	$646	$109
New York Central Mutual Fire	$747	$125
USAA	$802	$135
Nationwide	$1207	$201
Allstate	$1217	$205
State Farm	$1470	$247
Travelers	$1494	$252
Utica National	$485	$82
Preferred Mutual	$490	$82

Sunset Bay Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sunset Bay NY. For example, the car insurance in Sunset Bay after a DUI increases to $606 for a six month policy. While the rate increases by $96 for a six-month policy in the case of a speeding ticket.

Sunset Bay auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1065	$178
One Med/PIP claim	$1065	$181
One comp claim	$1075	$179
Two comp claims	$1085	$184
Two Med/PIP claims	$1085	$181
Not-at-fault accident	$1091	$185
Failure to show documents	$1106	$184
Failure to wear a seat belt	$1111	$189
Driving with expired registration	$1121	$187
At-fault accident - less than $1000	$1126	$191
Cell phone violation	$1126	$188
Child safety restraint	$1126	$191
Driving without lights	$1126	$188
Failure to stop at a red light	$1126	$191
Failure to yield	$1126	$188
Following too closely	$1126	$191
Illegal turn	$1126	$188
Improper passing	$1126	$191
Passing school bus	$1126	$188
Texting while driving	$1126	$191
Wrong way/wrong lane	$1126	$188
Driving too slowly	$1136	$193
Speeding in school zone	$1136	$190
At-fault accident - $1000-$2000	$1141	$194
Speeding 11 - 15 MPH over limit	$1161	$194
Speeding 6 - 10 MPH over limit	$1161	$197
Operating a vehicle without permission	$1182	$197
Open container	$1197	$203
In 65 MPH zone	$1247	$208
Speeding 16 - 20 MPH over limit	$1262	$215
Speeding 21 - 25 MPH over limit	$1307	$218
At-fault accident - greater than $2000	$1408	$240
Reckless driving	$1505	$251
Racing	$1565	$266
Driving with a suspended license	$1621	$270
Refusal to submit to a chemical test	$1656	$281
DUI	$1671	$279
Leaving scene of an accident/hit and run	$1697	$288

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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 Sunset Bay 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 Sunset Bay.

The cheapest car insurance premiums in Sunset Bay are offered by American Family at $383 for a six-month policy. However, it can be as expensive as $1712 with companies like State Farm.

Sunset Bay car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$383	$65
Kemper	$404	$69
Progressive	$490	$82
NYCM	$616	$104
New York Central Mutual Fire	$909	$151
USAA	$969	$163
Allstate	$1439	$242
Travelers	$1479	$249
Nationwide	$1499	$250
State Farm	$1712	$288

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 Sunset Bay are offered by American Family at $338. However, it can be as expensive as $1737 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Sunset Bay after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$338	$58
Kemper	$338	$56
Progressive	$419	$71
NYCM	$560	$94
USAA	$762	$130
Nationwide	$1051	$175
State Farm	$1136	$193
Travelers	$1661	$277
Allstate	$1737	$295

Car Insurance Price Trends in Sunset Bay, New York

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

The average cost of full coverage in the Sunset Bay dipped by $210 in December compared to $211 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 Sunset Bay dipped to $72 in December, compared to $75 in November. This represents an decrease of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Sunset Bay?

The car insurance in Sunset Bay is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Sunset Bay?

The cheapest car insurance in Sunset Bay is $80 per month for full coverage.

How much is car insurance in Sunset Bay for teenagers?

Car insurance for teenagers costs $318 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 Sunset Bay?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $147 per month to insure your car in Sunset Bay.

Is car insurance expensive in Sunset Bay?

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

Cheapest Car Insurance Quotes in Sunset Bay

Why you can trust Way?

How Much Is Car Insurance in Sunset Bay

Avg. Car Insurance in Sunset Bay

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Sunset Bay

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Sunset Bay Car Insurance Rates by Company

Cheap Car Insurance Companies in Sunset Bay, NY

Way's key takeaways about car insurance in Sunset Bay

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sunset Bay

Cheapest Liability Coverage in Sunset Bay, NY

Cheapest Full Coverage Car Insurance in Sunset Bay

Cheapest Full Coverage Car Insurance Quotes in Sunset Bay, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sunset Bay by Rating Factor

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

Car Insurance Premiums by Age in Sunset Bay

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sunset Bay,NY

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

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 Sunset Bay

Cheapest Car Insurance Companies after an At-Fault Accident in Sunset Bay

Sunset Bay Car Insurance Rates by Violation

Sunset Bay auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sunset Bay after a DUI

Sunset Bay car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sunset Bay after Speeding ticket

Car Insurance Price Trends in Sunset Bay, New York

Average Car Insurance Cost in Sunset Bay by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sunset Bay, NY

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

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