Cheapest Car Insurance Quotes in Walker Valley

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Walker Valley Car Insurance

^$ 48

/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 Walker Valley

The car insurance rate in Walker Valley is $1262 for a six-month policy, which is $104 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $602, making it a popular choice for budget-conscious drivers. Rates in Walker Valley 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 Walker Valley

$1262

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Walker Valley

1st place: Kemper

At $602 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 $797 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $848 for six months, making it the third cheapest auto insurance company in Walker Valley.

Walker Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Walker Valley, NY is Kemper, offering policies at just $602 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $797.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $1936 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Walker Valley drivers find the best deals.

Cheap Car Insurance Companies in Walker Valley, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$602	$102
New York Central Mutual Fire	$797	$133
Progressive	$848	$143
American Family	$932	$157
NYCM	$1127	$190
USAA	$1249	$210
Erie	$1275	$215
Nationwide	$1392	$232
Travelers	$1418	$239
State Farm	$1690	$284
Allstate	$1890	$318
Chubb	$1936	$323

Key Takeaways

Way's key takeaways about car insurance in Walker Valley

The auto insurance costs in Walker Valley fall around $602 for six months.
The cheapest auto insurance company in Walker Valley is New York Central Mutual Fire.
Teen drivers pay the highest rate in Walker Valley at $973 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Walker Valley

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 Walker Valley are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Walker Valley. Their Average 6 Month Premium is $284. Preferred Mutual is the most expensive at $751 for the same period.

Cheapest Liability Coverage in Walker Valley, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$284	$48
NYCM	$337	$56
Kemper	$350	$60
American Family	$421	$71
Progressive	$434	$73
USAA	$557	$94
Erie	$687	$117
Travelers	$738	$123
Allstate	$790	$134
State Farm	$841	$141
Nationwide	$544	$90
Utica National	$621	$106
Preferred Mutual	$751	$125

Cheapest Full Coverage Car Insurance in Walker Valley

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 Walker Valley is Kemper at $102 per month and $602 for six months.

Cheapest Full Coverage Car Insurance Quotes in Walker Valley, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$602	$102
New York Central Mutual Fire	$797	$133
Progressive	$848	$143
American Family	$932	$157
NYCM	$1127	$190
USAA	$1249	$210
Erie	$1275	$215
Nationwide	$1392	$232
Travelers	$1418	$239
State Farm	$1690	$284
Allstate	$1890	$318
Chubb	$1936	$323

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Average Car Insurance in Walker Valley 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 Walker Valley, NY increasing?

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

Car Insurance Premiums by Age in Walker Valley

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

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Cheapest Car Insurance Rates for Teen Drivers in Walker Valley,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Walker Valley at $70 per month. At $5781 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$408	$70
American Family	$492	$83
NYCM	$1088	$183
Progressive	$1341	$226
New York Central Mutual Fire	$1418	$241
Erie	$2726	$455
USAA	$2998	$505
Travelers	$3943	$664
Nationwide	$4105	$698
Chubb	$4299	$716
Allstate	$4946	$833
State Farm	$5781	$973

Teen Car Insurance Rates in NY by Age

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 Walker Valley, Kemper is the cheapest car insurance provider. At $913 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 Walker Valley is Progressive, offering rates of around $5471 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$913	$153
Nationwide	$1392	$237
Chubb	$1651	$278
USAA	$2007	$341
Erie	$2136	$360
American Family	$2169	$368
NYCM	$2429	$404
Allstate	$2648	$446
Mercury	$2700	$450
State Farm	$2790	$470
Travelers	$3231	$544
Progressive	$5471	$921

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

Car Insurance Rates with An Accident in Walker Valley

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

Cheapest Car Insurance Companies after an At-Fault Accident in Walker Valley

The cheapest car insurance companies after an at-fault accident in Walker Valley include Kemper and American Family, offering $505 and $518, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $628.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$505	$84
American Family	$518	$87
Progressive	$797	$134
NYCM	$810	$136
New York Central Mutual Fire	$958	$160
USAA	$1088	$183
Erie	$1392	$234
Chubb	$1579	$266
Allstate	$1703	$287
Travelers	$1755	$295
Nationwide	$1839	$306
State Farm	$2149	$362
Utica National	$621	$106
Preferred Mutual	$628	$105

Walker Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Walker Valley NY. For example, the car insurance in Walker Valley after a DUI increases to $777 for a six month policy. While the rate increases by $123 for a six-month policy in the case of a speeding ticket.

Walker Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1366	$228
One Med/PIP claim	$1366	$232
One comp claim	$1379	$230
Two comp claims	$1392	$237
Two Med/PIP claims	$1392	$232
Not-at-fault accident	$1398	$238
Failure to show documents	$1418	$237
Failure to wear a seat belt	$1425	$242
Driving with expired registration	$1438	$240
At-fault accident - less than $1000	$1444	$245
Cell phone violation	$1444	$241
Child safety restraint	$1444	$245
Driving without lights	$1444	$241
Failure to stop at a red light	$1444	$245
Failure to yield	$1444	$241
Following too closely	$1444	$245
Illegal turn	$1444	$241
Improper passing	$1444	$245
Passing school bus	$1444	$241
Texting while driving	$1444	$245
Wrong way/wrong lane	$1444	$241
Driving too slowly	$1457	$247
Speeding in school zone	$1457	$243
At-fault accident - $1000-$2000	$1463	$249
Speeding 11 - 15 MPH over limit	$1489	$249
Speeding 6 - 10 MPH over limit	$1489	$253
Operating a vehicle without permission	$1515	$253
Open container	$1535	$261
In 65 MPH zone	$1599	$267
Speeding 16 - 20 MPH over limit	$1619	$276
Speeding 21 - 25 MPH over limit	$1676	$279
At-fault accident - greater than $2000	$1806	$307
Reckless driving	$1929	$322
Racing	$2007	$341
Driving with a suspended license	$2079	$347
Refusal to submit to a chemical test	$2123	$361
DUI	$2143	$358
Leaving scene of an accident/hit and run	$2176	$370

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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 Walker Valley 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 Walker Valley.

The cheapest car insurance premiums in Walker Valley are offered by American Family at $492 for a six-month policy. However, it can be as expensive as $2429 with companies like Chubb.

Walker Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$492	$83
Kemper	$518	$88
Progressive	$667	$112
NYCM	$1010	$170
New York Central Mutual Fire	$1165	$194
USAA	$1328	$223
Travelers	$1735	$292
Allstate	$2052	$346
Erie	$2117	$353
Nationwide	$2299	$391
State Farm	$2415	$407
Chubb	$2429	$413

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 Walker Valley are offered by American Family at $434. However, it can be as expensive as $2764 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Walker Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$434	$72
Kemper	$434	$74
Progressive	$628	$106
NYCM	$1017	$173
USAA	$1178	$196
Erie	$1379	$234
Nationwide	$1392	$232
Travelers	$1606	$273
State Farm	$1942	$324
Chubb	$2299	$391
Allstate	$2764	$461

Car Insurance Price Trends in Walker Valley, New York

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

The average cost of full coverage in the Walker Valley rose by $300 in January compared to $269 of December. In other words, there has been an increase by $31 when you compare January and December.

The average cost of liability insurance in the Walker Valley dipped to $87 in January, compared to $93 in December. This represents an decrease of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Walker Valley?

The car insurance in Walker Valley is $48 per month, which is lower than the national average.

What is the cheapest car insurance in Walker Valley?

The cheapest car insurance in Walker Valley is $102 per month for full coverage.

How much is car insurance in Walker Valley for teenagers?

Car insurance for teenagers costs $408 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 Walker Valley?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $211 per month to insure your car in Walker Valley.

Is car insurance expensive in Walker Valley?

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

Cheapest Car Insurance Quotes in Walker Valley

Why you can trust Way?

How Much Is Car Insurance in Walker Valley

Avg. Car Insurance in Walker Valley

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Walker Valley

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Walker Valley Car Insurance Rates by Company

Cheap Car Insurance Companies in Walker Valley, NY

Way's key takeaways about car insurance in Walker Valley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Walker Valley

Cheapest Liability Coverage in Walker Valley, NY

Cheapest Full Coverage Car Insurance in Walker Valley

Cheapest Full Coverage Car Insurance Quotes in Walker Valley, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Walker Valley by Rating Factor

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

Car Insurance Premiums by Age in Walker Valley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Walker Valley,NY

If you are in your twenties N/A is the best choice for car insurance in Walker Valley.

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 Walker Valley

Cheapest Car Insurance Companies after an At-Fault Accident in Walker Valley

Walker Valley Car Insurance Rates by Violation

Walker Valley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Walker Valley after a DUI

Walker Valley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Walker Valley after Speeding ticket

Car Insurance Price Trends in Walker Valley, New York

Average Car Insurance Cost in Walker Valley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Walker Valley, NY

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