Cheapest Car Insurance Quotes in Thiells

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Thiells Car Insurance

^$ 56

/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 Thiells

The car insurance rate in Thiells is $1317 for a six-month policy, which is $288 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $707, making it a popular choice for budget-conscious drivers. Rates in Thiells 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 Thiells

$1317

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Thiells

1st place: Kemper

At $707 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 $936 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $943 for six months, making it the third cheapest auto insurance company in Thiells.

Thiells Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Thiells, NY is Kemper, offering policies at just $707 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $936.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1969 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Thiells drivers find the best deals.

Cheap Car Insurance Companies in Thiells, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$707	$120
New York Central Mutual Fire	$936	$156
Progressive	$943	$159
American Family	$1094	$184
NYCM	$1148	$193
Erie	$1376	$229
Nationwide	$1384	$236
USAA	$1391	$234
State Farm	$1725	$291
Travelers	$1818	$306
Allstate	$1969	$332

Key Takeaways

Way's key takeaways about car insurance in Thiells

The auto insurance costs in Thiells fall around $707 for six months.
The cheapest auto insurance company in Thiells is New York Central Mutual Fire.
Teen drivers pay the highest rate in Thiells at $1004 per month.

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Cheapest Minimum Liability Car Insurance in Thiells

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 Thiells are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Thiells. Their Average 6 Month Premium is $334. Preferred Mutual is the most expensive at $882 for the same period.

Cheapest Liability Coverage in Thiells, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$334	$56
NYCM	$349	$59
Kemper	$411	$68
Progressive	$486	$82
American Family	$494	$83
USAA	$600	$101
Nationwide	$639	$106
Erie	$806	$137
State Farm	$936	$157
Travelers	$1004	$169
Allstate	$1050	$177
Utica National	$730	$124
Preferred Mutual	$882	$147

Cheapest Full Coverage Car Insurance in Thiells

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 Thiells is Kemper at $120 per month and $707 for six months.

Cheapest Full Coverage Car Insurance Quotes in Thiells, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$707	$120
New York Central Mutual Fire	$936	$156
Progressive	$943	$159
American Family	$1094	$184
NYCM	$1148	$193
Erie	$1376	$229
Nationwide	$1384	$236
USAA	$1391	$234
State Farm	$1725	$291
Travelers	$1818	$306
Allstate	$1969	$332

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Average Car Insurance in Thiells 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 Thiells, NY increasing?

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

Car Insurance Premiums by Age in Thiells

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	$721
30s	National Grange Mutual	$513
40s	National Grange Mutual	$494
50s	National Grange Mutual	$502
60s	National Grange Mutual	$540
70s	National Grange Mutual	$741

Cheapest Car Insurance Rates for Teen Drivers in Thiells,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Thiells at $79 per month. At $5961 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$479	$79
American Family	$577	$97
NYCM	$965	$163
Progressive	$1528	$257
New York Central Mutual Fire	$1665	$278
USAA	$3057	$515
Nationwide	$3992	$666
Travelers	$4942	$832
Allstate	$5345	$900
State Farm	$5961	$1004

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 Thiells.

As young drivers face the highest rates in Thiells, National Grange Mutual offers the cheapest auto insurance rates at $721 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 Thiells, Chubb is the cheapest car insurance provider. At $1027 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 Thiells is Progressive, offering rates of around $6623 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1027	$172
Kemper	$1073	$182
Nationwide	$1384	$230
USAA	$1916	$326
NYCM	$1999	$333
Erie	$2167	$369
American Family	$2547	$425
Allstate	$2607	$439
State Farm	$2700	$454
Mercury	$3171	$539
Travelers	$3238	$545
Progressive	$6623	$1115

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Car Insurance Rates with An Accident in Thiells

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

Cheapest Car Insurance Companies after an At-Fault Accident in Thiells

The cheapest car insurance companies after an at-fault accident in Thiells include Kemper and American Family, offering $593 and $608, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $737.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$593	$99
American Family	$608	$102
NYCM	$737	$124
Erie	$806	$137
Chubb	$890	$148
Progressive	$973	$164
New York Central Mutual Fire	$1125	$188
USAA	$1208	$204
Nationwide	$1818	$303
Allstate	$1833	$308
State Farm	$2213	$372
Travelers	$2250	$379
Utica National	$730	$124
Preferred Mutual	$737	$123

Thiells Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Thiells NY. For example, the car insurance in Thiells after a DUI increases to $912 for a six month policy. While the rate increases by $144 for a six-month policy in the case of a speeding ticket.

Thiells auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1604	$268
One Med/PIP claim	$1604	$273
One comp claim	$1619	$270
Two comp claims	$1635	$278
Two Med/PIP claims	$1635	$273
Not-at-fault accident	$1642	$279
Failure to show documents	$1665	$278
Failure to wear a seat belt	$1673	$284
Driving with expired registration	$1688	$282
At-fault accident - less than $1000	$1696	$288
Cell phone violation	$1696	$283
Child safety restraint	$1696	$288
Driving without lights	$1696	$283
Failure to stop at a red light	$1696	$288
Failure to yield	$1696	$283
Following too closely	$1696	$288
Illegal turn	$1696	$283
Improper passing	$1696	$288
Passing school bus	$1696	$283
Texting while driving	$1696	$288
Wrong way/wrong lane	$1696	$283
Driving too slowly	$1711	$291
Speeding in school zone	$1711	$285
At-fault accident - $1000-$2000	$1718	$292
Speeding 11 - 15 MPH over limit	$1748	$292
Speeding 6 - 10 MPH over limit	$1748	$297
Operating a vehicle without permission	$1779	$297
Open container	$1802	$306
In 65 MPH zone	$1878	$314
Speeding 16 - 20 MPH over limit	$1901	$324
Speeding 21 - 25 MPH over limit	$1969	$328
At-fault accident - greater than $2000	$2121	$361
Reckless driving	$2266	$378
Racing	$2356	$401
Driving with a suspended license	$2441	$407
Refusal to submit to a chemical test	$2493	$424
DUI	$2516	$420
Leaving scene of an accident/hit and run	$2555	$434

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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 Thiells 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 Thiells.

The cheapest car insurance premiums in Thiells are offered by American Family at $577 for a six-month policy. However, it can be as expensive as $2578 with companies like State Farm.

Thiells car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$577	$97
Kemper	$608	$104
Progressive	$737	$124
NYCM	$928	$156
New York Central Mutual Fire	$1368	$228
USAA	$1459	$246
Allstate	$2167	$365
Travelers	$2227	$375
Nationwide	$2258	$376
State Farm	$2578	$434

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 Thiells are offered by American Family at $509. However, it can be as expensive as $2615 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Thiells after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$509	$87
Kemper	$509	$84
Progressive	$631	$106
NYCM	$844	$141
USAA	$1148	$196
Nationwide	$1582	$264
State Farm	$1711	$291
Travelers	$2501	$417
Allstate	$2615	$444

Car Insurance Price Trends in Thiells, New York

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

The average cost of full coverage in the Thiells dipped by $316 in December compared to $317 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 Thiells dipped to $109 in December, compared to $113 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 Thiells?

The car insurance in Thiells is $56 per month, which is lower than the national average.

What is the cheapest car insurance in Thiells?

The cheapest car insurance in Thiells is $120 per month for full coverage.

How much is car insurance in Thiells for teenagers?

Car insurance for teenagers costs $479 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 Thiells?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $221 per month to insure your car in Thiells.

Is car insurance expensive in Thiells?

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

Cheapest Car Insurance Quotes in Thiells

Why you can trust Way?

How Much Is Car Insurance in Thiells

Avg. Car Insurance in Thiells

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Thiells

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Thiells Car Insurance Rates by Company

Cheap Car Insurance Companies in Thiells, NY

Way's key takeaways about car insurance in Thiells

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Thiells

Cheapest Liability Coverage in Thiells, NY

Cheapest Full Coverage Car Insurance in Thiells

Cheapest Full Coverage Car Insurance Quotes in Thiells, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Thiells by Rating Factor

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

Car Insurance Premiums by Age in Thiells

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Thiells,NY

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

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 Thiells

Cheapest Car Insurance Companies after an At-Fault Accident in Thiells

Thiells Car Insurance Rates by Violation

Thiells auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Thiells after a DUI

Thiells car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Thiells after Speeding ticket

Car Insurance Price Trends in Thiells, New York

Average Car Insurance Cost in Thiells by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Thiells, NY

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

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