Cheapest Car Insurance Quotes in Valatie

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Valatie Car Insurance

^$ 38

/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 Valatie

The car insurance rate in Valatie is $895 for a six-month policy, which is $134 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $480, making it a popular choice for budget-conscious drivers. Rates in Valatie 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 Valatie

$895

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Valatie

1st place: Kemper

At $480 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 $636 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $641 for six months, making it the third cheapest auto insurance company in Valatie.

Valatie Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Valatie, NY is Kemper, offering policies at just $480 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $636.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1338 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Valatie drivers find the best deals.

Cheap Car Insurance Companies in Valatie, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$480	$82
New York Central Mutual Fire	$636	$106
Progressive	$641	$108
American Family	$744	$125
NYCM	$780	$131
Erie	$935	$156
Nationwide	$940	$160
USAA	$946	$159
State Farm	$1173	$197
Travelers	$1235	$208
Allstate	$1338	$225

Key Takeaways

Way's key takeaways about car insurance in Valatie

The auto insurance costs in Valatie fall around $480 for six months.
The cheapest auto insurance company in Valatie is New York Central Mutual Fire.
Teen drivers pay the highest rate in Valatie at $682 per month.

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Cheapest Minimum Liability Car Insurance in Valatie

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 Valatie are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Valatie. Their Average 6 Month Premium is $227. Preferred Mutual is the most expensive at $599 for the same period.

Cheapest Liability Coverage in Valatie, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$227	$38
NYCM	$238	$40
Kemper	$279	$46
Progressive	$331	$56
American Family	$336	$57
USAA	$408	$69
Nationwide	$434	$72
Erie	$548	$93
State Farm	$636	$107
Travelers	$682	$115
Allstate	$713	$120
Utica National	$496	$84
Preferred Mutual	$599	$100

Cheapest Full Coverage Car Insurance in Valatie

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 Valatie is Kemper at $82 per month and $480 for six months.

Cheapest Full Coverage Car Insurance Quotes in Valatie, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$480	$82
New York Central Mutual Fire	$636	$106
Progressive	$641	$108
American Family	$744	$125
NYCM	$780	$131
Erie	$935	$156
Nationwide	$940	$160
USAA	$946	$159
State Farm	$1173	$197
Travelers	$1235	$208
Allstate	$1338	$225

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Average Car Insurance in Valatie 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 Valatie, NY increasing?

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

Car Insurance Premiums by Age in Valatie

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	$490
30s	National Grange Mutual	$349
40s	National Grange Mutual	$336
50s	National Grange Mutual	$341
60s	National Grange Mutual	$367
70s	National Grange Mutual	$504

Cheapest Car Insurance Rates for Teen Drivers in Valatie,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Valatie at $54 per month. At $4052 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$325	$54
American Family	$392	$66
NYCM	$656	$110
Progressive	$1039	$175
New York Central Mutual Fire	$1132	$189
USAA	$2078	$350
Nationwide	$2714	$452
Travelers	$3359	$566
Allstate	$3633	$612
State Farm	$4052	$682

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 Valatie.

As young drivers face the highest rates in Valatie, National Grange Mutual offers the cheapest auto insurance rates at $490 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 Valatie, Chubb is the cheapest car insurance provider. At $698 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 Valatie is Progressive, offering rates of around $4501 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$698	$117
Kemper	$729	$124
Nationwide	$940	$157
USAA	$1302	$222
NYCM	$1359	$226
Erie	$1473	$251
American Family	$1731	$289
Allstate	$1772	$298
State Farm	$1835	$309
Mercury	$2155	$366
Travelers	$2201	$371
Progressive	$4501	$758

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Car Insurance Rates with An Accident in Valatie

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

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

The cheapest car insurance companies after an at-fault accident in Valatie include Kemper and American Family, offering $403 and $413, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $501.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$403	$67
American Family	$413	$70
NYCM	$501	$84
Erie	$548	$93
Chubb	$605	$101
Progressive	$661	$111
New York Central Mutual Fire	$765	$128
USAA	$821	$138
Nationwide	$1235	$206
Allstate	$1246	$210
State Farm	$1504	$253
Travelers	$1529	$258
Utica National	$496	$84
Preferred Mutual	$501	$84

Valatie Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Valatie NY. For example, the car insurance in Valatie after a DUI increases to $620 for a six month policy. While the rate increases by $98 for a six-month policy in the case of a speeding ticket.

Valatie auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1090	$182
One Med/PIP claim	$1090	$185
One comp claim	$1101	$184
Two comp claims	$1111	$189
Two Med/PIP claims	$1111	$185
Not-at-fault accident	$1116	$190
Failure to show documents	$1132	$189
Failure to wear a seat belt	$1137	$193
Driving with expired registration	$1148	$191
At-fault accident - less than $1000	$1153	$196
Cell phone violation	$1153	$192
Child safety restraint	$1153	$196
Driving without lights	$1153	$192
Failure to stop at a red light	$1153	$196
Failure to yield	$1153	$192
Following too closely	$1153	$196
Illegal turn	$1153	$192
Improper passing	$1153	$196
Passing school bus	$1153	$192
Texting while driving	$1153	$196
Wrong way/wrong lane	$1153	$192
Driving too slowly	$1163	$197
Speeding in school zone	$1163	$194
At-fault accident - $1000-$2000	$1168	$198
Speeding 11 - 15 MPH over limit	$1188	$198
Speeding 6 - 10 MPH over limit	$1188	$202
Operating a vehicle without permission	$1209	$202
Open container	$1225	$208
In 65 MPH zone	$1276	$213
Speeding 16 - 20 MPH over limit	$1292	$220
Speeding 21 - 25 MPH over limit	$1338	$223
At-fault accident - greater than $2000	$1442	$245
Reckless driving	$1540	$257
Racing	$1602	$272
Driving with a suspended license	$1659	$277
Refusal to submit to a chemical test	$1695	$288
DUI	$1710	$285
Leaving scene of an accident/hit and run	$1737	$295

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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 Valatie 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 Valatie.

The cheapest car insurance premiums in Valatie are offered by American Family at $392 for a six-month policy. However, it can be as expensive as $1752 with companies like State Farm.

Valatie car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$392	$66
Kemper	$413	$70
Progressive	$501	$84
NYCM	$631	$106
New York Central Mutual Fire	$930	$155
USAA	$992	$167
Allstate	$1473	$248
Travelers	$1514	$255
Nationwide	$1535	$256
State Farm	$1752	$295

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 Valatie are offered by American Family at $346. However, it can be as expensive as $1777 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Valatie after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$346	$59
Kemper	$346	$57
Progressive	$429	$72
NYCM	$573	$96
USAA	$780	$133
Nationwide	$1075	$179
State Farm	$1163	$197
Travelers	$1700	$284
Allstate	$1777	$302

Car Insurance Price Trends in Valatie, New York

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

The average cost of full coverage in the Valatie dipped by $215 in December compared to $216 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 Valatie dipped to $74 in December, compared to $77 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 Valatie?

The car insurance in Valatie is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Valatie?

The cheapest car insurance in Valatie is $82 per month for full coverage.

How much is car insurance in Valatie for teenagers?

Car insurance for teenagers costs $325 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 Valatie?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $151 per month to insure your car in Valatie.

Is car insurance expensive in Valatie?

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

Cheapest Car Insurance Quotes in Valatie

Why you can trust Way?

How Much Is Car Insurance in Valatie

Avg. Car Insurance in Valatie

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Valatie

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Valatie Car Insurance Rates by Company

Cheap Car Insurance Companies in Valatie, NY

Way's key takeaways about car insurance in Valatie

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Valatie

Cheapest Liability Coverage in Valatie, NY

Cheapest Full Coverage Car Insurance in Valatie

Cheapest Full Coverage Car Insurance Quotes in Valatie, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Valatie by Rating Factor

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

Car Insurance Premiums by Age in Valatie

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Valatie,NY

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

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 Valatie

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

Valatie Car Insurance Rates by Violation

Valatie auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Valatie after a DUI

Valatie car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Valatie after Speeding ticket

Car Insurance Price Trends in Valatie, New York

Average Car Insurance Cost in Valatie by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Valatie, NY

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

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