Cheapest Car Insurance Quotes in Wassaic

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Wassaic 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 Wassaic

The car insurance rate in Wassaic is $1091 for a six-month policy, which is $62 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $585, making it a popular choice for budget-conscious drivers. Rates in Wassaic 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 Wassaic

$1091

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Wassaic

1st place: Kemper

At $585 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 $775 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $781 for six months, making it the third cheapest auto insurance company in Wassaic.

Wassaic Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wassaic, NY is Kemper, offering policies at just $585 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $775.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1630 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wassaic drivers find the best deals.

Cheap Car Insurance Companies in Wassaic, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$585	$100
New York Central Mutual Fire	$775	$129
Progressive	$781	$131
American Family	$906	$153
NYCM	$951	$160
Erie	$1140	$190
Nationwide	$1146	$195
USAA	$1152	$194
State Farm	$1429	$241
Travelers	$1505	$253
Allstate	$1630	$275

Key Takeaways

Way's key takeaways about car insurance in Wassaic

The auto insurance costs in Wassaic fall around $585 for six months.
The cheapest auto insurance company in Wassaic is New York Central Mutual Fire.
Teen drivers pay the highest rate in Wassaic at $831 per month.

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Cheapest Minimum Liability Car Insurance in Wassaic

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 Wassaic are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Wassaic. Their Average 6 Month Premium is $277. Preferred Mutual is the most expensive at $730 for the same period.

Cheapest Liability Coverage in Wassaic, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$277	$47
NYCM	$289	$49
Kemper	$340	$56
Progressive	$403	$68
American Family	$409	$69
USAA	$497	$84
Nationwide	$529	$88
Erie	$668	$113
State Farm	$775	$130
Travelers	$831	$140
Allstate	$869	$146
Utica National	$604	$103
Preferred Mutual	$730	$122

Cheapest Full Coverage Car Insurance in Wassaic

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 Wassaic is Kemper at $100 per month and $585 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wassaic, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$585	$100
New York Central Mutual Fire	$775	$129
Progressive	$781	$131
American Family	$906	$153
NYCM	$951	$160
Erie	$1140	$190
Nationwide	$1146	$195
USAA	$1152	$194
State Farm	$1429	$241
Travelers	$1505	$253
Allstate	$1630	$275

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Average Car Insurance in Wassaic 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 Wassaic, NY increasing?

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

Car Insurance Premiums by Age in Wassaic

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	$597
30s	National Grange Mutual	$425
40s	National Grange Mutual	$409
50s	National Grange Mutual	$416
60s	National Grange Mutual	$447
70s	National Grange Mutual	$614

Cheapest Car Insurance Rates for Teen Drivers in Wassaic,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Wassaic at $66 per month. At $4936 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$396	$66
American Family	$478	$81
NYCM	$799	$135
Progressive	$1266	$213
New York Central Mutual Fire	$1379	$230
USAA	$2531	$426
Nationwide	$3306	$551
Travelers	$4093	$689
Allstate	$4427	$745
State Farm	$4936	$831

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 Wassaic.

As young drivers face the highest rates in Wassaic, National Grange Mutual offers the cheapest auto insurance rates at $597 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 Wassaic, Chubb is the cheapest car insurance provider. At $850 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 Wassaic is Progressive, offering rates of around $5484 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$850	$142
Kemper	$888	$151
Nationwide	$1146	$191
USAA	$1587	$270
NYCM	$1656	$276
Erie	$1795	$305
American Family	$2109	$352
Allstate	$2159	$364
State Farm	$2236	$376
Mercury	$2626	$446
Travelers	$2682	$452
Progressive	$5484	$923

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

Car Insurance Rates with An Accident in Wassaic

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

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

The cheapest car insurance companies after an at-fault accident in Wassaic include Kemper and American Family, offering $491 and $504, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $611.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$491	$82
American Family	$504	$85
NYCM	$611	$103
Erie	$668	$113
Chubb	$737	$123
Progressive	$806	$136
New York Central Mutual Fire	$932	$156
USAA	$1001	$169
Nationwide	$1505	$251
Allstate	$1518	$255
State Farm	$1833	$308
Travelers	$1863	$314
Utica National	$604	$103
Preferred Mutual	$611	$102

Wassaic Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wassaic NY. For example, the car insurance in Wassaic after a DUI increases to $756 for a six month policy. While the rate increases by $120 for a six-month policy in the case of a speeding ticket.

Wassaic auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1328	$222
One Med/PIP claim	$1328	$226
One comp claim	$1341	$224
Two comp claims	$1354	$230
Two Med/PIP claims	$1354	$226
Not-at-fault accident	$1360	$231
Failure to show documents	$1379	$230
Failure to wear a seat belt	$1385	$235
Driving with expired registration	$1398	$233
At-fault accident - less than $1000	$1405	$239
Cell phone violation	$1405	$234
Child safety restraint	$1405	$239
Driving without lights	$1405	$234
Failure to stop at a red light	$1405	$239
Failure to yield	$1405	$234
Following too closely	$1405	$239
Illegal turn	$1405	$234
Improper passing	$1405	$239
Passing school bus	$1405	$234
Texting while driving	$1405	$239
Wrong way/wrong lane	$1405	$234
Driving too slowly	$1417	$241
Speeding in school zone	$1417	$236
At-fault accident - $1000-$2000	$1423	$242
Speeding 11 - 15 MPH over limit	$1448	$242
Speeding 6 - 10 MPH over limit	$1448	$246
Operating a vehicle without permission	$1473	$246
Open container	$1492	$253
In 65 MPH zone	$1555	$260
Speeding 16 - 20 MPH over limit	$1574	$268
Speeding 21 - 25 MPH over limit	$1630	$271
At-fault accident - greater than $2000	$1756	$299
Reckless driving	$1876	$313
Racing	$1951	$332
Driving with a suspended license	$2021	$337
Refusal to submit to a chemical test	$2065	$351
DUI	$2084	$348
Leaving scene of an accident/hit and run	$2116	$359

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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 Wassaic 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 Wassaic.

The cheapest car insurance premiums in Wassaic are offered by American Family at $478 for a six-month policy. However, it can be as expensive as $2135 with companies like State Farm.

Wassaic car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$478	$81
Kemper	$504	$86
Progressive	$611	$103
NYCM	$769	$129
New York Central Mutual Fire	$1133	$189
USAA	$1208	$204
Allstate	$1795	$302
Travelers	$1844	$311
Nationwide	$1870	$312
State Farm	$2135	$359

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 Wassaic are offered by American Family at $422. However, it can be as expensive as $2166 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Wassaic after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$422	$72
Kemper	$422	$70
Progressive	$523	$88
NYCM	$699	$117
USAA	$951	$162
Nationwide	$1310	$218
State Farm	$1417	$241
Travelers	$2071	$346
Allstate	$2166	$368

Car Insurance Price Trends in Wassaic, New York

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

The average cost of full coverage in the Wassaic dipped by $262 in December compared to $263 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 Wassaic dipped to $90 in December, compared to $93 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 Wassaic?

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

What is the cheapest car insurance in Wassaic?

The cheapest car insurance in Wassaic is $100 per month for full coverage.

How much is car insurance in Wassaic for teenagers?

Car insurance for teenagers costs $396 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 Wassaic?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $183 per month to insure your car in Wassaic.

Is car insurance expensive in Wassaic?

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

Cheapest Car Insurance Quotes in Wassaic

Why you can trust Way?

How Much Is Car Insurance in Wassaic

Avg. Car Insurance in Wassaic

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Wassaic

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Wassaic Car Insurance Rates by Company

Cheap Car Insurance Companies in Wassaic, NY

Way's key takeaways about car insurance in Wassaic

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Wassaic

Cheapest Liability Coverage in Wassaic, NY

Cheapest Full Coverage Car Insurance in Wassaic

Cheapest Full Coverage Car Insurance Quotes in Wassaic, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Wassaic by Rating Factor

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

Car Insurance Premiums by Age in Wassaic

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Wassaic,NY

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

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 Wassaic

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

Wassaic Car Insurance Rates by Violation

Wassaic auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Wassaic after a DUI

Wassaic car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Wassaic after Speeding ticket

Car Insurance Price Trends in Wassaic, New York

Average Car Insurance Cost in Wassaic by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Wassaic, NY

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

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