Cheapest Car Insurance Quotes in Tivoli

Finding the cheapest car insurance quotes in Tivoli 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Tivoli Car Insurance

^$ 45

/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 Tivoli

The car insurance rate in Tivoli is $1050 for a six-month policy, which is $21 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $563, making it a popular choice for budget-conscious drivers. Rates in Tivoli 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 Tivoli

$1050

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Tivoli

1st place: Kemper

At $563 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 $746 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $752 for six months, making it the third cheapest auto insurance company in Tivoli.

Tivoli Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Tivoli, NY is Kemper, offering policies at just $563 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $746.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1569 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Tivoli drivers find the best deals.

Cheap Car Insurance Companies in Tivoli, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$563	$96
New York Central Mutual Fire	$746	$124
Progressive	$752	$126
American Family	$872	$147
NYCM	$915	$154
Erie	$1097	$183
Nationwide	$1103	$188
USAA	$1109	$187
State Farm	$1375	$232
Travelers	$1448	$244
Allstate	$1569	$264

Key Takeaways

Way's key takeaways about car insurance in Tivoli

The auto insurance costs in Tivoli fall around $563 for six months.
The cheapest auto insurance company in Tivoli is New York Central Mutual Fire.
Teen drivers pay the highest rate in Tivoli at $800 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 Tivoli

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 Tivoli are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Tivoli. Their Average 6 Month Premium is $266. Preferred Mutual is the most expensive at $703 for the same period.

Cheapest Liability Coverage in Tivoli, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$266	$45
NYCM	$278	$47
Kemper	$327	$54
Progressive	$388	$65
American Family	$394	$66
USAA	$478	$81
Nationwide	$509	$85
Erie	$643	$109
State Farm	$746	$125
Travelers	$800	$135
Allstate	$836	$141
Utica National	$581	$99
Preferred Mutual	$703	$117

Cheapest Full Coverage Car Insurance in Tivoli

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 Tivoli is Kemper at $96 per month and $563 for six months.

Cheapest Full Coverage Car Insurance Quotes in Tivoli, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$563	$96
New York Central Mutual Fire	$746	$124
Progressive	$752	$126
American Family	$872	$147
NYCM	$915	$154
Erie	$1097	$183
Nationwide	$1103	$188
USAA	$1109	$187
State Farm	$1375	$232
Travelers	$1448	$244
Allstate	$1569	$264

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Tivoli Instantly!

Average Car Insurance in Tivoli 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 Tivoli, NY increasing?

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

Car Insurance Premiums by Age in Tivoli

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	$574
30s	National Grange Mutual	$409
40s	National Grange Mutual	$394
50s	National Grange Mutual	$400
60s	National Grange Mutual	$430
70s	National Grange Mutual	$591

Cheapest Car Insurance Rates for Teen Drivers in Tivoli,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Tivoli at $63 per month. At $4750 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$381	$63
American Family	$460	$78
NYCM	$769	$130
Progressive	$1218	$205
New York Central Mutual Fire	$1327	$221
USAA	$2436	$410
Nationwide	$3181	$530
Travelers	$3938	$663
Allstate	$4260	$717
State Farm	$4750	$800

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 Tivoli.

As young drivers face the highest rates in Tivoli, National Grange Mutual offers the cheapest auto insurance rates at $574 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 Tivoli, Chubb is the cheapest car insurance provider. At $818 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 Tivoli is Progressive, offering rates of around $5277 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$818	$137
Kemper	$855	$145
Nationwide	$1103	$184
USAA	$1527	$260
NYCM	$1593	$265
Erie	$1727	$294
American Family	$2030	$339
Allstate	$2078	$350
State Farm	$2151	$362
Mercury	$2527	$429
Travelers	$2581	$435
Progressive	$5277	$888

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Tivoli.

Car Insurance Rates with An Accident in Tivoli

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

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

The cheapest car insurance companies after an at-fault accident in Tivoli include Kemper and American Family, offering $472 and $485, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $588.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$472	$79
American Family	$485	$82
NYCM	$588	$99
Erie	$643	$109
Chubb	$709	$118
Progressive	$775	$131
New York Central Mutual Fire	$897	$150
USAA	$963	$162
Nationwide	$1448	$242
Allstate	$1461	$246
State Farm	$1764	$297
Travelers	$1793	$302
Utica National	$581	$99
Preferred Mutual	$588	$98

Tivoli Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Tivoli NY. For example, the car insurance in Tivoli after a DUI increases to $727 for a six month policy. While the rate increases by $115 for a six-month policy in the case of a speeding ticket.

Tivoli auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1278	$213
One Med/PIP claim	$1278	$217
One comp claim	$1290	$215
Two comp claims	$1303	$221
Two Med/PIP claims	$1303	$217
Not-at-fault accident	$1309	$222
Failure to show documents	$1327	$221
Failure to wear a seat belt	$1333	$226
Driving with expired registration	$1345	$224
At-fault accident - less than $1000	$1352	$230
Cell phone violation	$1352	$225
Child safety restraint	$1352	$230
Driving without lights	$1352	$225
Failure to stop at a red light	$1352	$230
Failure to yield	$1352	$225
Following too closely	$1352	$230
Illegal turn	$1352	$225
Improper passing	$1352	$230
Passing school bus	$1352	$225
Texting while driving	$1352	$230
Wrong way/wrong lane	$1352	$225
Driving too slowly	$1364	$232
Speeding in school zone	$1364	$227
At-fault accident - $1000-$2000	$1369	$233
Speeding 11 - 15 MPH over limit	$1393	$233
Speeding 6 - 10 MPH over limit	$1393	$237
Operating a vehicle without permission	$1418	$237
Open container	$1436	$244
In 65 MPH zone	$1496	$250
Speeding 16 - 20 MPH over limit	$1515	$258
Speeding 21 - 25 MPH over limit	$1569	$261
At-fault accident - greater than $2000	$1690	$288
Reckless driving	$1805	$301
Racing	$1878	$319
Driving with a suspended license	$1945	$324
Refusal to submit to a chemical test	$1987	$338
DUI	$2005	$335
Leaving scene of an accident/hit and run	$2036	$346

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 Tivoli 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 Tivoli.

The cheapest car insurance premiums in Tivoli are offered by American Family at $460 for a six-month policy. However, it can be as expensive as $2054 with companies like State Farm.

Tivoli car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$460	$78
Kemper	$485	$83
Progressive	$588	$99
NYCM	$740	$124
New York Central Mutual Fire	$1090	$182
USAA	$1163	$196
Allstate	$1727	$291
Travelers	$1775	$299
Nationwide	$1799	$300
State Farm	$2054	$346

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 Tivoli are offered by American Family at $406. However, it can be as expensive as $2084 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Tivoli after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$406	$69
Kemper	$406	$67
Progressive	$503	$85
NYCM	$672	$112
USAA	$915	$156
Nationwide	$1261	$210
State Farm	$1364	$232
Travelers	$1993	$333
Allstate	$2084	$354

Car Insurance Price Trends in Tivoli, New York

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

The average cost of full coverage in the Tivoli dipped by $252 in December compared to $253 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 Tivoli dipped to $87 in December, compared to $90 in November. This represents an decrease of $3 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Tivoli?

The car insurance in Tivoli is $45 per month, which is lower than the national average.

What is the cheapest car insurance in Tivoli?

The cheapest car insurance in Tivoli is $96 per month for full coverage.

How much is car insurance in Tivoli for teenagers?

Car insurance for teenagers costs $381 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 Tivoli?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $176 per month to insure your car in Tivoli.

Is car insurance expensive in Tivoli?

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

Cheapest Car Insurance Quotes in Tivoli

Why you can trust Way?

How Much Is Car Insurance in Tivoli

Avg. Car Insurance in Tivoli

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Tivoli

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Tivoli Car Insurance Rates by Company

Cheap Car Insurance Companies in Tivoli, NY

Way's key takeaways about car insurance in Tivoli

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Tivoli

Cheapest Liability Coverage in Tivoli, NY

Cheapest Full Coverage Car Insurance in Tivoli

Cheapest Full Coverage Car Insurance Quotes in Tivoli, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Tivoli by Rating Factor

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

Car Insurance Premiums by Age in Tivoli

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Tivoli,NY

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

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 Tivoli

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

Tivoli Car Insurance Rates by Violation

Tivoli auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Tivoli after a DUI

Tivoli car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Tivoli after Speeding ticket

Car Insurance Price Trends in Tivoli, New York

Average Car Insurance Cost in Tivoli by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Tivoli, NY

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

Featured Blogs

Data Sources