Cheapest Car Insurance Quotes in Wappingers Falls

Finding the cheapest car insurance quotes in Wappingers Falls 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

406,175 Policies Sold

Wappingers Falls Car Insurance

^$ 47

/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 Wappingers Falls

The car insurance rate in Wappingers Falls is $1239 for a six-month policy, which is $81 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $591, making it a popular choice for budget-conscious drivers. Rates in Wappingers Falls 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 Wappingers Falls

$1239

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Wappingers Falls

1st place: Kemper

At $591 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 $782 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $832 for six months, making it the third cheapest auto insurance company in Wappingers Falls.

Wappingers Falls Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wappingers Falls, NY is Kemper, offering policies at just $591 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $782.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $1900 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wappingers Falls drivers find the best deals.

Cheap Car Insurance Companies in Wappingers Falls, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$591	$101
New York Central Mutual Fire	$782	$131
Progressive	$832	$140
American Family	$915	$154
NYCM	$1106	$186
USAA	$1226	$207
Erie	$1252	$211
Nationwide	$1366	$228
Travelers	$1392	$234
State Farm	$1659	$279
Allstate	$1855	$312
Chubb	$1900	$317

Key Takeaways

Way's key takeaways about car insurance in Wappingers Falls

The auto insurance costs in Wappingers Falls fall around $591 for six months.
The cheapest auto insurance company in Wappingers Falls is New York Central Mutual Fire.
Teen drivers pay the highest rate in Wappingers Falls at $956 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 Wappingers Falls

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 Wappingers Falls are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Wappingers Falls. Their Average 6 Month Premium is $279. Preferred Mutual is the most expensive at $737 for the same period.

Cheapest Liability Coverage in Wappingers Falls, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$279	$47
NYCM	$331	$55
Kemper	$343	$59
American Family	$413	$70
Progressive	$426	$72
USAA	$547	$92
Erie	$674	$114
Travelers	$724	$121
Allstate	$776	$132
State Farm	$826	$138
Nationwide	$534	$89
Utica National	$610	$104
Preferred Mutual	$737	$123

Cheapest Full Coverage Car Insurance in Wappingers Falls

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 Wappingers Falls is Kemper at $101 per month and $591 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wappingers Falls, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$591	$101
New York Central Mutual Fire	$782	$131
Progressive	$832	$140
American Family	$915	$154
NYCM	$1106	$186
USAA	$1226	$207
Erie	$1252	$211
Nationwide	$1366	$228
Travelers	$1392	$234
State Farm	$1659	$279
Allstate	$1855	$312
Chubb	$1900	$317

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Wappingers Falls Instantly!

Average Car Insurance in Wappingers Falls 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 Wappingers Falls, NY increasing?

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

Car Insurance Premiums by Age in Wappingers Falls

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Wappingers Falls,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Wappingers Falls at $68 per month. At $5675 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$400	$68
American Family	$483	$81
NYCM	$1068	$180
Progressive	$1316	$221
New York Central Mutual Fire	$1392	$236
Erie	$2676	$446
USAA	$2943	$495
Travelers	$3870	$652
Nationwide	$4030	$685
Chubb	$4220	$703
Allstate	$4856	$817
State Farm	$5675	$956

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 Wappingers Falls, Kemper is the cheapest car insurance provider. At $897 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 Wappingers Falls is Progressive, offering rates of around $5370 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$897	$150
Nationwide	$1366	$232
Chubb	$1621	$273
USAA	$1970	$335
Erie	$2097	$353
American Family	$2129	$362
NYCM	$2384	$397
Allstate	$2599	$438
Mercury	$2650	$442
State Farm	$2739	$461
Travelers	$3171	$534
Progressive	$5370	$904

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Wappingers Falls

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

Cheapest Car Insurance Companies after an At-Fault Accident in Wappingers Falls

The cheapest car insurance companies after an at-fault accident in Wappingers Falls include Kemper and American Family, offering $495 and $508, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $616.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$495	$82
American Family	$508	$86
Progressive	$782	$132
NYCM	$795	$134
New York Central Mutual Fire	$941	$157
USAA	$1068	$180
Erie	$1366	$230
Chubb	$1550	$261
Allstate	$1671	$281
Travelers	$1723	$290
Nationwide	$1805	$301
State Farm	$2110	$355
Utica National	$610	$104
Preferred Mutual	$616	$103

Wappingers Falls Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wappingers Falls NY. For example, the car insurance in Wappingers Falls after a DUI increases to $763 for a six month policy. While the rate increases by $121 for a six-month policy in the case of a speeding ticket.

Wappingers Falls auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1341	$224
One Med/PIP claim	$1341	$228
One comp claim	$1354	$226
Two comp claims	$1366	$232
Two Med/PIP claims	$1366	$228
Not-at-fault accident	$1373	$233
Failure to show documents	$1392	$232
Failure to wear a seat belt	$1398	$238
Driving with expired registration	$1411	$235
At-fault accident - less than $1000	$1418	$241
Cell phone violation	$1418	$236
Child safety restraint	$1418	$241
Driving without lights	$1418	$236
Failure to stop at a red light	$1418	$241
Failure to yield	$1418	$236
Following too closely	$1418	$241
Illegal turn	$1418	$236
Improper passing	$1418	$241
Passing school bus	$1418	$236
Texting while driving	$1418	$241
Wrong way/wrong lane	$1418	$236
Driving too slowly	$1431	$243
Speeding in school zone	$1431	$239
At-fault accident - $1000-$2000	$1436	$244
Speeding 11 - 15 MPH over limit	$1462	$244
Speeding 6 - 10 MPH over limit	$1462	$248
Operating a vehicle without permission	$1487	$248
Open container	$1507	$256
In 65 MPH zone	$1570	$262
Speeding 16 - 20 MPH over limit	$1589	$271
Speeding 21 - 25 MPH over limit	$1646	$274
At-fault accident - greater than $2000	$1773	$302
Reckless driving	$1894	$316
Racing	$1970	$335
Driving with a suspended license	$2040	$340
Refusal to submit to a chemical test	$2084	$354
DUI	$2104	$351
Leaving scene of an accident/hit and run	$2136	$363

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 Wappingers Falls 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 Wappingers Falls.

The cheapest car insurance premiums in Wappingers Falls are offered by American Family at $483 for a six-month policy. However, it can be as expensive as $2384 with companies like Chubb.

Wappingers Falls car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$483	$81
Kemper	$508	$87
Progressive	$655	$110
NYCM	$992	$167
New York Central Mutual Fire	$1144	$190
USAA	$1303	$219
Travelers	$1703	$287
Allstate	$2015	$339
Erie	$2078	$347
Nationwide	$2257	$384
State Farm	$2371	$399
Chubb	$2384	$406

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 Wappingers Falls are offered by American Family at $426. However, it can be as expensive as $2714 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Wappingers Falls after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$426	$71
Kemper	$426	$73
Progressive	$616	$104
NYCM	$998	$170
USAA	$1157	$193
Erie	$1354	$230
Nationwide	$1366	$228
Travelers	$1576	$268
State Farm	$1907	$318
Chubb	$2257	$384
Allstate	$2714	$453

Car Insurance Price Trends in Wappingers Falls, New York

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

The average cost of full coverage in the Wappingers Falls rose by $294 in January compared to $264 of December. In other words, there has been an increase by $30 when you compare January and December.

The average cost of liability insurance in the Wappingers Falls dipped to $86 in January, compared to $91 in December. This represents an decrease of $5 when comparing January and December.

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 Wappingers Falls?

The car insurance in Wappingers Falls is $47 per month, which is lower than the national average.

What is the cheapest car insurance in Wappingers Falls?

The cheapest car insurance in Wappingers Falls is $101 per month for full coverage.

How much is car insurance in Wappingers Falls for teenagers?

Car insurance for teenagers costs $400 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 Wappingers Falls?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $208 per month to insure your car in Wappingers Falls.

Is car insurance expensive in Wappingers Falls?

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

Cheapest Car Insurance Quotes in Wappingers Falls

Why you can trust Way?

How Much Is Car Insurance in Wappingers Falls

Avg. Car Insurance in Wappingers Falls

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Wappingers Falls

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Wappingers Falls Car Insurance Rates by Company

Cheap Car Insurance Companies in Wappingers Falls, NY

Way's key takeaways about car insurance in Wappingers Falls

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Wappingers Falls

Cheapest Liability Coverage in Wappingers Falls, NY

Cheapest Full Coverage Car Insurance in Wappingers Falls

Cheapest Full Coverage Car Insurance Quotes in Wappingers Falls, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Wappingers Falls by Rating Factor

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

Car Insurance Premiums by Age in Wappingers Falls

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Wappingers Falls,NY

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

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 Wappingers Falls

Cheapest Car Insurance Companies after an At-Fault Accident in Wappingers Falls

Wappingers Falls Car Insurance Rates by Violation

Wappingers Falls auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Wappingers Falls after a DUI

Wappingers Falls car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Wappingers Falls after Speeding ticket

Car Insurance Price Trends in Wappingers Falls, New York

Average Car Insurance Cost in Wappingers Falls by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Wappingers Falls, NY

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

Featured Blogs

Data Sources