Cheapest Car Insurance Quotes in University Gardens

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University Gardens Car Insurance

^$ 71

/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 University Gardens

The car insurance rate in University Gardens is $1667 for a six-month policy, which is $638 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $894, making it a popular choice for budget-conscious drivers. Rates in University Gardens 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 University Gardens

$1667

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in University Gardens

1st place: Kemper

At $894 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 $1184 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1194 for six months, making it the third cheapest auto insurance company in University Gardens.

University Gardens Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in University Gardens, NY is Kemper, offering policies at just $894 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1184.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2492 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help University Gardens drivers find the best deals.

Cheap Car Insurance Companies in University Gardens, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$894	$152
New York Central Mutual Fire	$1184	$198
Progressive	$1194	$201
American Family	$1385	$233
NYCM	$1453	$245
Erie	$1742	$290
Nationwide	$1751	$298
USAA	$1761	$296
State Farm	$2184	$368
Travelers	$2300	$387
Allstate	$2492	$420

Key Takeaways

Way's key takeaways about car insurance in University Gardens

The auto insurance costs in University Gardens fall around $894 for six months.
The cheapest auto insurance company in University Gardens is New York Central Mutual Fire.
Teen drivers pay the highest rate in University Gardens at $1270 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 University Gardens

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 University Gardens are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in University Gardens. Their Average 6 Month Premium is $423. Preferred Mutual is the most expensive at $1116 for the same period.

Cheapest Liability Coverage in University Gardens, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$423	$71
NYCM	$442	$75
Kemper	$520	$86
Progressive	$616	$104
American Family	$625	$105
USAA	$760	$128
Nationwide	$808	$134
Erie	$1021	$173
State Farm	$1184	$199
Travelers	$1270	$214
Allstate	$1328	$224
Utica National	$923	$157
Preferred Mutual	$1116	$186

Cheapest Full Coverage Car Insurance in University Gardens

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 University Gardens is Kemper at $152 per month and $894 for six months.

Cheapest Full Coverage Car Insurance Quotes in University Gardens, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$894	$152
New York Central Mutual Fire	$1184	$198
Progressive	$1194	$201
American Family	$1385	$233
NYCM	$1453	$245
Erie	$1742	$290
Nationwide	$1751	$298
USAA	$1761	$296
State Farm	$2184	$368
Travelers	$2300	$387
Allstate	$2492	$420

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Average Car Insurance in University Gardens 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 University Gardens, NY increasing?

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

Car Insurance Premiums by Age in University Gardens

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	$912
30s	National Grange Mutual	$650
40s	National Grange Mutual	$625
50s	National Grange Mutual	$635
60s	National Grange Mutual	$684
70s	National Grange Mutual	$938

Cheapest Car Insurance Rates for Teen Drivers in University Gardens,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the University Gardens at $100 per month. At $7544 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$606	$100
American Family	$731	$123
NYCM	$1221	$206
Progressive	$1934	$326
New York Central Mutual Fire	$2108	$352
USAA	$3869	$651
Nationwide	$5053	$842
Travelers	$6255	$1053
Allstate	$6765	$1139
State Farm	$7544	$1270

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 University Gardens.

As young drivers face the highest rates in University Gardens, National Grange Mutual offers the cheapest auto insurance rates at $912 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 University Gardens, Chubb is the cheapest car insurance provider. At $1299 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 University Gardens is Progressive, offering rates of around $8382 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1299	$217
Kemper	$1358	$230
Nationwide	$1751	$292
USAA	$2425	$413
NYCM	$2530	$421
Erie	$2743	$467
American Family	$3224	$538
Allstate	$3300	$556
State Farm	$3417	$575
Mercury	$4013	$682
Travelers	$4099	$690
Progressive	$8382	$1411

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

Car Insurance Rates with An Accident in University Gardens

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

Cheapest Car Insurance Companies after an At-Fault Accident in University Gardens

The cheapest car insurance companies after an at-fault accident in University Gardens include Kemper and American Family, offering $750 and $770, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $933.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$750	$125
American Family	$770	$130
NYCM	$933	$157
Erie	$1021	$173
Chubb	$1126	$188
Progressive	$1231	$207
New York Central Mutual Fire	$1424	$238
USAA	$1529	$258
Nationwide	$2300	$384
Allstate	$2320	$390
State Farm	$2801	$471
Travelers	$2848	$480
Utica National	$923	$157
Preferred Mutual	$933	$156

University Gardens Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in University Gardens NY. For example, the car insurance in University Gardens after a DUI increases to $1155 for a six month policy. While the rate increases by $183 for a six-month policy in the case of a speeding ticket.

University Gardens auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2030	$339
One Med/PIP claim	$2030	$345
One comp claim	$2049	$342
Two comp claims	$2069	$352
Two Med/PIP claims	$2069	$345
Not-at-fault accident	$2078	$353
Failure to show documents	$2108	$352
Failure to wear a seat belt	$2117	$360
Driving with expired registration	$2137	$356
At-fault accident - less than $1000	$2147	$365
Cell phone violation	$2147	$358
Child safety restraint	$2147	$365
Driving without lights	$2147	$358
Failure to stop at a red light	$2147	$365
Failure to yield	$2147	$358
Following too closely	$2147	$365
Illegal turn	$2147	$358
Improper passing	$2147	$365
Passing school bus	$2147	$358
Texting while driving	$2147	$365
Wrong way/wrong lane	$2147	$358
Driving too slowly	$2166	$368
Speeding in school zone	$2166	$361
At-fault accident - $1000-$2000	$2174	$369
Speeding 11 - 15 MPH over limit	$2213	$369
Speeding 6 - 10 MPH over limit	$2213	$376
Operating a vehicle without permission	$2252	$376
Open container	$2281	$387
In 65 MPH zone	$2377	$397
Speeding 16 - 20 MPH over limit	$2406	$410
Speeding 21 - 25 MPH over limit	$2492	$415
At-fault accident - greater than $2000	$2684	$457
Reckless driving	$2867	$478
Racing	$2982	$507
Driving with a suspended license	$3089	$515
Refusal to submit to a chemical test	$3156	$536
DUI	$3185	$531
Leaving scene of an accident/hit and run	$3234	$549

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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 University Gardens 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 University Gardens.

The cheapest car insurance premiums in University Gardens are offered by American Family at $731 for a six-month policy. However, it can be as expensive as $3263 with companies like State Farm.

University Gardens car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$731	$123
Kemper	$770	$131
Progressive	$933	$157
NYCM	$1175	$198
New York Central Mutual Fire	$1732	$288
USAA	$1847	$311
Allstate	$2743	$462
Travelers	$2819	$475
Nationwide	$2858	$476
State Farm	$3263	$549

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 University Gardens are offered by American Family at $645. However, it can be as expensive as $3310 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in University Gardens after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$645	$110
Kemper	$645	$107
Progressive	$799	$134
NYCM	$1068	$178
USAA	$1453	$248
Nationwide	$2002	$334
State Farm	$2166	$368
Travelers	$3165	$528
Allstate	$3310	$562

Car Insurance Price Trends in University Gardens, New York

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

The average cost of full coverage in the University Gardens dipped by $400 in December compared to $402 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 University Gardens dipped to $138 in December, compared to $143 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 University Gardens?

The car insurance in University Gardens is $71 per month, which is lower than the national average.

What is the cheapest car insurance in University Gardens?

The cheapest car insurance in University Gardens is $152 per month for full coverage.

How much is car insurance in University Gardens for teenagers?

Car insurance for teenagers costs $606 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 University Gardens?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $280 per month to insure your car in University Gardens.

Is car insurance expensive in University Gardens?

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

Cheapest Car Insurance Quotes in University Gardens

Why you can trust Way?

How Much Is Car Insurance in University Gardens

Avg. Car Insurance in University Gardens

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in University Gardens

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

University Gardens Car Insurance Rates by Company

Cheap Car Insurance Companies in University Gardens, NY

Way's key takeaways about car insurance in University Gardens

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in University Gardens

Cheapest Liability Coverage in University Gardens, NY

Cheapest Full Coverage Car Insurance in University Gardens

Cheapest Full Coverage Car Insurance Quotes in University Gardens, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in University Gardens by Rating Factor

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

Car Insurance Premiums by Age in University Gardens

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in University Gardens,NY

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

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 University Gardens

Cheapest Car Insurance Companies after an At-Fault Accident in University Gardens

University Gardens Car Insurance Rates by Violation

University Gardens auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in University Gardens after a DUI

University Gardens car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in University Gardens after Speeding ticket

Car Insurance Price Trends in University Gardens, New York

Average Car Insurance Cost in University Gardens by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near University Gardens, NY

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

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