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Finding the cheapest car insurance quotes in Warwick 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.
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 Warwick
The car insurance rate in Warwick is $1225 for a six-month policy, which is $196 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $657, making it a popular choice for budget-conscious drivers. Rates in Warwick 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.
At $657 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 $870 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $877
for six months, making it
the third cheapest auto insurance company in Warwick.
Warwick Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Warwick, NY is Kemper, offering policies at just $657 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $870.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1830 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Warwick drivers find the best deals.
Way's key takeaways about car insurance in Warwick
The auto insurance costs in Warwick fall around $657 for six
months.
The cheapest auto insurance company in Warwick is New York Central Mutual Fire.
Teen drivers pay the highest rate in Warwick at $933 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 Warwick
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 Warwick are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in Warwick. Their Average 6 Month Premium is $311.
Preferred Mutual is the most
expensive at $820 for the same
period.
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 Warwick is Kemper
at $112 per month and $657
for six months.
Cheapest Full Coverage Car Insurance Quotes in Warwick,
NY
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Instantly!
Average Car Insurance in Warwick 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 Warwick, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Warwick, 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, Warwick's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Warwick
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
$670
30s
National Grange Mutual
$477
40s
National Grange Mutual
$459
50s
National Grange Mutual
$466
60s
National Grange Mutual
$502
70s
National Grange Mutual
$689
Cheapest Car Insurance Rates for Teen Drivers in
Warwick,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Warwick at $74
per
month. At $5542 for a six-month premium,
State Farm offers the most expensive rate for
teen drivers.
If you are in your twenties National Grange Mutual is
the best choice for car
insurance in Warwick.
As young drivers face the highest rates in Warwick, National Grange Mutual
offers the cheapest auto insurance rates at $670 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 Warwick,
Chubb is
the cheapest car insurance provider. At $954 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
Warwick is Progressive, offering
rates of around $6157 for six
months.
Save up to $971/yr on car insurance rates in Warwick.
Car Insurance Rates with An Accident in Warwick
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 Warwick, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Warwick
The cheapest car insurance companies after an at-fault accident in
Warwick include Kemper
and American Family, offering $551
and $565,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$685.
Here is a list of driving violations that can increase your car
insurance rates in Warwick NY. For example, the car
insurance in Warwick
after a DUI increases to $849 for a six
month policy. While the rate increases by $135 for a six-month policy in the case of
a speeding ticket.
Warwick auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1491
$249
One Med/PIP claim
$1491
$253
One comp claim
$1505
$251
Two comp claims
$1520
$258
Two Med/PIP claims
$1520
$253
Not-at-fault accident
$1527
$259
Failure to show documents
$1548
$258
Failure to wear a seat belt
$1555
$264
Driving with expired registration
$1570
$262
At-fault accident - less than $1000
$1577
$268
Cell phone violation
$1577
$263
Child safety restraint
$1577
$268
Driving without lights
$1577
$263
Failure to stop at a red light
$1577
$268
Failure to yield
$1577
$263
Following too closely
$1577
$268
Illegal turn
$1577
$263
Improper passing
$1577
$268
Passing school bus
$1577
$263
Texting while driving
$1577
$268
Wrong way/wrong lane
$1577
$263
Driving too slowly
$1591
$270
Speeding in school zone
$1591
$265
At-fault accident - $1000-$2000
$1597
$271
Speeding 11 - 15 MPH over limit
$1626
$271
Speeding 6 - 10 MPH over limit
$1626
$276
Operating a vehicle without permission
$1654
$276
Open container
$1676
$284
In 65 MPH zone
$1746
$292
Speeding 16 - 20 MPH over limit
$1767
$301
Speeding 21 - 25 MPH over limit
$1830
$305
At-fault accident - greater than $2000
$1972
$336
Reckless driving
$2106
$351
Racing
$2191
$372
Driving with a suspended license
$2269
$378
Refusal to submit to a chemical test
$2318
$394
DUI
$2340
$390
Leaving scene of an accident/hit and run
$2375
$403
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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 Warwick 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 Warwick.
The cheapest car insurance premiums in
Warwick are
offered by American Family at $537 for a six-month policy.
However, it can be as
expensive as $2397 with companies
like State Farm.
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 Warwick are offered by American Family
at $474. However,
it can be as expensive as $2431
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Warwick after Speeding ticket
Car insurance rates in Warwick have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Warwick dipped by
$294 in December
compared to $295 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 Warwick dipped to $101 in December,
compared to $105 in November.
This represents an decrease of $4
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Warwick. At $2449 for a
six-month policy, insuring
your car at 10990 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Warwick?
The car insurance in Warwick is $52 per month, which is lower than the national average.
What is the cheapest car insurance in Warwick?
The cheapest car insurance in Warwick
is $112 per month
for full coverage.
How much is car insurance in Warwick for teenagers?
Car insurance for teenagers costs $445 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
Warwick?
The average cost of car insurance is $1029 for a six-month
policy. It will cost around $206 per month to insure your
car in Warwick.
Is car insurance expensive in Warwick?
Car insurance can be expensive in Warwick if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Warwick can be
affordable.
What is the best car insurance in Warwick,
NY?
The best car insurance company in Warwick
NY is
Kemper, offering $657 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Warwick, NY
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Warwick Car Insurance
