Cheapest Car Insurance Quotes in Washington Heights

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Washington Heights Car Insurance

^$ 53

/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 Washington Heights

The car insurance rate in Washington Heights is $1390 for a six-month policy, which is $232 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $662, making it a popular choice for budget-conscious drivers. Rates in Washington Heights 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 Washington Heights

$1390

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Washington Heights

1st place: Kemper

At $662 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 $877 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $934 for six months, making it the third cheapest auto insurance company in Washington Heights.

Washington Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Washington Heights, NY is Kemper, offering policies at just $662 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $877.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $2131 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Washington Heights drivers find the best deals.

Cheap Car Insurance Companies in Washington Heights, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$662	$113
New York Central Mutual Fire	$877	$146
Progressive	$934	$157
American Family	$1026	$173
NYCM	$1241	$209
USAA	$1375	$232
Erie	$1404	$236
Nationwide	$1532	$256
Travelers	$1561	$263
State Farm	$1860	$313
Allstate	$2081	$350
Chubb	$2131	$355

Key Takeaways

Way's key takeaways about car insurance in Washington Heights

The auto insurance costs in Washington Heights fall around $662 for six months.
The cheapest auto insurance company in Washington Heights is New York Central Mutual Fire.
Teen drivers pay the highest rate in Washington Heights at $1072 per month.

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Cheapest Minimum Liability Car Insurance in Washington Heights

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 Washington Heights are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Washington Heights. Their Average 6 Month Premium is $313. Preferred Mutual is the most expensive at $827 for the same period.

Cheapest Liability Coverage in Washington Heights, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$313	$53
NYCM	$371	$61
Kemper	$385	$66
American Family	$463	$78
Progressive	$478	$80
USAA	$613	$103
Erie	$756	$128
Travelers	$812	$136
Allstate	$870	$148
State Farm	$926	$155
Nationwide	$599	$100
Utica National	$684	$116
Preferred Mutual	$827	$138

Cheapest Full Coverage Car Insurance in Washington Heights

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 Washington Heights is Kemper at $113 per month and $662 for six months.

Cheapest Full Coverage Car Insurance Quotes in Washington Heights, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$662	$113
New York Central Mutual Fire	$877	$146
Progressive	$934	$157
American Family	$1026	$173
NYCM	$1241	$209
USAA	$1375	$232
Erie	$1404	$236
Nationwide	$1532	$256
Travelers	$1561	$263
State Farm	$1860	$313
Allstate	$2081	$350
Chubb	$2131	$355

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Average Car Insurance in Washington Heights 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 Washington Heights, NY increasing?

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

Car Insurance Premiums by Age in Washington Heights

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 Washington Heights,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Washington Heights at $77 per month. At $6365 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$449	$77
American Family	$541	$91
NYCM	$1198	$202
Progressive	$1476	$248
New York Central Mutual Fire	$1561	$265
Erie	$3001	$500
USAA	$3300	$556
Travelers	$4340	$731
Nationwide	$4519	$768
Chubb	$4733	$788
Allstate	$5446	$917
State Farm	$6365	$1072

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 Washington Heights, Kemper is the cheapest car insurance provider. At $1006 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 Washington Heights is Progressive, offering rates of around $6023 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1006	$168
Nationwide	$1532	$260
Chubb	$1818	$306
USAA	$2209	$376
Erie	$2352	$396
American Family	$2388	$406
NYCM	$2674	$445
Allstate	$2915	$491
Mercury	$2972	$496
State Farm	$3072	$517
Travelers	$3557	$599
Progressive	$6023	$1014

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Car Insurance Rates with An Accident in Washington Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in Washington Heights

The cheapest car insurance companies after an at-fault accident in Washington Heights include Kemper and American Family, offering $556 and $570, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $691.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$556	$92
American Family	$570	$96
Progressive	$877	$148
NYCM	$892	$150
New York Central Mutual Fire	$1055	$176
USAA	$1198	$202
Erie	$1532	$258
Chubb	$1739	$293
Allstate	$1874	$316
Travelers	$1932	$325
Nationwide	$2024	$337
State Farm	$2366	$398
Utica National	$684	$116
Preferred Mutual	$691	$115

Washington Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Washington Heights NY. For example, the car insurance in Washington Heights after a DUI increases to $855 for a six month policy. While the rate increases by $135 for a six-month policy in the case of a speeding ticket.

Washington Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1504	$251
One Med/PIP claim	$1504	$256
One comp claim	$1518	$253
Two comp claims	$1532	$260
Two Med/PIP claims	$1532	$256
Not-at-fault accident	$1540	$262
Failure to show documents	$1561	$260
Failure to wear a seat belt	$1568	$266
Driving with expired registration	$1583	$264
At-fault accident - less than $1000	$1590	$270
Cell phone violation	$1590	$265
Child safety restraint	$1590	$270
Driving without lights	$1590	$265
Failure to stop at a red light	$1590	$270
Failure to yield	$1590	$265
Following too closely	$1590	$270
Illegal turn	$1590	$265
Improper passing	$1590	$270
Passing school bus	$1590	$265
Texting while driving	$1590	$270
Wrong way/wrong lane	$1590	$265
Driving too slowly	$1604	$272
Speeding in school zone	$1604	$268
At-fault accident - $1000-$2000	$1610	$274
Speeding 11 - 15 MPH over limit	$1639	$274
Speeding 6 - 10 MPH over limit	$1639	$278
Operating a vehicle without permission	$1668	$278
Open container	$1690	$287
In 65 MPH zone	$1760	$294
Speeding 16 - 20 MPH over limit	$1782	$304
Speeding 21 - 25 MPH over limit	$1846	$307
At-fault accident - greater than $2000	$1988	$338
Reckless driving	$2124	$354
Racing	$2209	$376
Driving with a suspended license	$2288	$382
Refusal to submit to a chemical test	$2338	$397
DUI	$2359	$394
Leaving scene of an accident/hit and run	$2395	$407

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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 Washington Heights 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 Washington Heights.

The cheapest car insurance premiums in Washington Heights are offered by American Family at $541 for a six-month policy. However, it can be as expensive as $2674 with companies like Chubb.

Washington Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$541	$91
Kemper	$570	$97
Progressive	$734	$124
NYCM	$1112	$187
New York Central Mutual Fire	$1283	$214
USAA	$1462	$246
Travelers	$1910	$322
Allstate	$2260	$380
Erie	$2330	$389
Nationwide	$2531	$431
State Farm	$2659	$448
Chubb	$2674	$455

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 Washington Heights are offered by American Family at $478. However, it can be as expensive as $3043 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Washington Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$478	$79
Kemper	$478	$82
Progressive	$691	$116
NYCM	$1120	$191
USAA	$1297	$216
Erie	$1518	$258
Nationwide	$1532	$256
Travelers	$1768	$300
State Farm	$2138	$356
Chubb	$2531	$431
Allstate	$3043	$508

Car Insurance Price Trends in Washington Heights, New York

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

The average cost of full coverage in the Washington Heights rose by $330 in January compared to $296 of December. In other words, there has been an increase by $34 when you compare January and December.

The average cost of liability insurance in the Washington Heights dipped to $96 in January, compared to $102 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 Washington Heights?

The car insurance in Washington Heights is $53 per month, which is lower than the national average.

What is the cheapest car insurance in Washington Heights?

The cheapest car insurance in Washington Heights is $113 per month for full coverage.

How much is car insurance in Washington Heights for teenagers?

Car insurance for teenagers costs $449 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 Washington Heights?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $233 per month to insure your car in Washington Heights.

Is car insurance expensive in Washington Heights?

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

Cheapest Car Insurance Quotes in Washington Heights

Why you can trust Way?

How Much Is Car Insurance in Washington Heights

Avg. Car Insurance in Washington Heights

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Washington Heights

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Washington Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Washington Heights, NY

Way's key takeaways about car insurance in Washington Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Washington Heights

Cheapest Liability Coverage in Washington Heights, NY

Cheapest Full Coverage Car Insurance in Washington Heights

Cheapest Full Coverage Car Insurance Quotes in Washington Heights, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Washington Heights by Rating Factor

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

Car Insurance Premiums by Age in Washington Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Washington Heights,NY

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

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 Washington Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Washington Heights

Washington Heights Car Insurance Rates by Violation

Washington Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Washington Heights after a DUI

Washington Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Washington Heights after Speeding ticket

Car Insurance Price Trends in Washington Heights, New York

Average Car Insurance Cost in Washington Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Washington Heights, NY

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

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