Cheapest Car Insurance Quotes in Thomaston

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Thomaston Car Insurance

^$ 70

/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 Thomaston

The car insurance rate in Thomaston is $1646 for a six-month policy, which is $617 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $883, making it a popular choice for budget-conscious drivers. Rates in Thomaston 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 Thomaston

$1646

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Thomaston

1st place: Kemper

At $883 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 $1170 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1179 for six months, making it the third cheapest auto insurance company in Thomaston.

Thomaston Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Thomaston, NY is Kemper, offering policies at just $883 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1170.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2461 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Thomaston drivers find the best deals.

Cheap Car Insurance Companies in Thomaston, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$883	$150
New York Central Mutual Fire	$1170	$195
Progressive	$1179	$198
American Family	$1368	$230
NYCM	$1435	$242
Erie	$1720	$286
Nationwide	$1730	$294
USAA	$1739	$293
State Farm	$2157	$363
Travelers	$2272	$382
Allstate	$2461	$414

Key Takeaways

Way's key takeaways about car insurance in Thomaston

The auto insurance costs in Thomaston fall around $883 for six months.
The cheapest auto insurance company in Thomaston is New York Central Mutual Fire.
Teen drivers pay the highest rate in Thomaston at $1254 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in Thomaston

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 Thomaston are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Thomaston. Their Average 6 Month Premium is $418. Preferred Mutual is the most expensive at $1102 for the same period.

Cheapest Liability Coverage in Thomaston, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$418	$70
NYCM	$437	$74
Kemper	$514	$85
Progressive	$608	$102
American Family	$618	$104
USAA	$750	$126
Nationwide	$798	$133
Erie	$1008	$171
State Farm	$1170	$197
Travelers	$1254	$211
Allstate	$1312	$221
Utica National	$912	$155
Preferred Mutual	$1102	$184

Cheapest Full Coverage Car Insurance in Thomaston

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 Thomaston is Kemper at $150 per month and $883 for six months.

Cheapest Full Coverage Car Insurance Quotes in Thomaston, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$883	$150
New York Central Mutual Fire	$1170	$195
Progressive	$1179	$198
American Family	$1368	$230
NYCM	$1435	$242
Erie	$1720	$286
Nationwide	$1730	$294
USAA	$1739	$293
State Farm	$2157	$363
Travelers	$2272	$382
Allstate	$2461	$414

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Average Car Insurance in Thomaston 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 Thomaston, NY increasing?

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

Car Insurance Premiums by Age in Thomaston

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	$901
30s	National Grange Mutual	$642
40s	National Grange Mutual	$618
50s	National Grange Mutual	$627
60s	National Grange Mutual	$675
70s	National Grange Mutual	$926

Cheapest Car Insurance Rates for Teen Drivers in Thomaston,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Thomaston at $99 per month. At $7451 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$598	$99
American Family	$722	$122
NYCM	$1206	$203
Progressive	$1910	$322
New York Central Mutual Fire	$2082	$347
USAA	$3821	$643
Nationwide	$4990	$832
Travelers	$6178	$1040
Allstate	$6682	$1125
State Farm	$7451	$1254

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 Thomaston.

As young drivers face the highest rates in Thomaston, National Grange Mutual offers the cheapest auto insurance rates at $901 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 Thomaston, Chubb is the cheapest car insurance provider. At $1283 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 Thomaston is Progressive, offering rates of around $8278 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1283	$214
Kemper	$1341	$227
Nationwide	$1730	$288
USAA	$2395	$408
NYCM	$2499	$416
Erie	$2709	$461
American Family	$3184	$531
Allstate	$3259	$549
State Farm	$3374	$568
Mercury	$3963	$674
Travelers	$4048	$682
Progressive	$8278	$1394

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Car Insurance Rates with An Accident in Thomaston

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

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

The cheapest car insurance companies after an at-fault accident in Thomaston include Kemper and American Family, offering $741 and $760, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $922.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$741	$123
American Family	$760	$128
NYCM	$922	$155
Erie	$1008	$171
Chubb	$1112	$186
Progressive	$1216	$205
New York Central Mutual Fire	$1406	$235
USAA	$1510	$254
Nationwide	$2272	$379
Allstate	$2291	$386
State Farm	$2766	$466
Travelers	$2813	$474
Utica National	$912	$155
Preferred Mutual	$922	$154

Thomaston Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Thomaston NY. For example, the car insurance in Thomaston after a DUI increases to $1141 for a six month policy. While the rate increases by $181 for a six-month policy in the case of a speeding ticket.

Thomaston auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2005	$334
One Med/PIP claim	$2005	$341
One comp claim	$2024	$338
Two comp claims	$2043	$347
Two Med/PIP claims	$2043	$341
Not-at-fault accident	$2053	$349
Failure to show documents	$2082	$347
Failure to wear a seat belt	$2091	$355
Driving with expired registration	$2110	$352
At-fault accident - less than $1000	$2120	$360
Cell phone violation	$2120	$354
Child safety restraint	$2120	$360
Driving without lights	$2120	$354
Failure to stop at a red light	$2120	$360
Failure to yield	$2120	$354
Following too closely	$2120	$360
Illegal turn	$2120	$354
Improper passing	$2120	$360
Passing school bus	$2120	$354
Texting while driving	$2120	$360
Wrong way/wrong lane	$2120	$354
Driving too slowly	$2139	$363
Speeding in school zone	$2139	$357
At-fault accident - $1000-$2000	$2147	$365
Speeding 11 - 15 MPH over limit	$2186	$365
Speeding 6 - 10 MPH over limit	$2186	$371
Operating a vehicle without permission	$2224	$371
Open container	$2253	$382
In 65 MPH zone	$2347	$392
Speeding 16 - 20 MPH over limit	$2376	$405
Speeding 21 - 25 MPH over limit	$2461	$410
At-fault accident - greater than $2000	$2651	$451
Reckless driving	$2832	$472
Racing	$2946	$501
Driving with a suspended license	$3051	$509
Refusal to submit to a chemical test	$3117	$530
DUI	$3146	$525
Leaving scene of an accident/hit and run	$3194	$542

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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 Thomaston 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 Thomaston.

The cheapest car insurance premiums in Thomaston are offered by American Family at $722 for a six-month policy. However, it can be as expensive as $3222 with companies like State Farm.

Thomaston car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$722	$122
Kemper	$760	$130
Progressive	$922	$155
NYCM	$1160	$195
New York Central Mutual Fire	$1710	$285
USAA	$1824	$307
Allstate	$2709	$456
Travelers	$2784	$469
Nationwide	$2822	$470
State Farm	$3222	$542

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 Thomaston are offered by American Family at $637. However, it can be as expensive as $3269 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Thomaston after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$637	$109
Kemper	$637	$106
Progressive	$789	$133
NYCM	$1054	$176
USAA	$1435	$245
Nationwide	$1978	$330
State Farm	$2139	$363
Travelers	$3126	$522
Allstate	$3269	$555

Car Insurance Price Trends in Thomaston, New York

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

The average cost of full coverage in the Thomaston dipped by $395 in December compared to $397 of November. In other words, there has been an decrease by $2 when you compare December and November.

The average cost of liability insurance in the Thomaston dipped to $136 in December, compared to $141 in November. This represents an decrease of $5 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Thomaston?

The car insurance in Thomaston is $70 per month, which is lower than the national average.

What is the cheapest car insurance in Thomaston?

The cheapest car insurance in Thomaston is $150 per month for full coverage.

How much is car insurance in Thomaston for teenagers?

Car insurance for teenagers costs $598 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 Thomaston?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $277 per month to insure your car in Thomaston.

Is car insurance expensive in Thomaston?

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

Cheapest Car Insurance Quotes in Thomaston

Why you can trust Way?

How Much Is Car Insurance in Thomaston

Avg. Car Insurance in Thomaston

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Thomaston

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Thomaston Car Insurance Rates by Company

Cheap Car Insurance Companies in Thomaston, NY

Way's key takeaways about car insurance in Thomaston

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Thomaston

Cheapest Liability Coverage in Thomaston, NY

Cheapest Full Coverage Car Insurance in Thomaston

Cheapest Full Coverage Car Insurance Quotes in Thomaston, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Thomaston by Rating Factor

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

Car Insurance Premiums by Age in Thomaston

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Thomaston,NY

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

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 Thomaston

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

Thomaston Car Insurance Rates by Violation

Thomaston auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Thomaston after a DUI

Thomaston car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Thomaston after Speeding ticket

Car Insurance Price Trends in Thomaston, New York

Average Car Insurance Cost in Thomaston by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Thomaston, NY

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

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