Cheapest Car Insurance Quotes in West Babylon

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West Babylon Car Insurance

^$ 65

/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 West Babylon

The car insurance rate in West Babylon is $1523 for a six-month policy, which is $494 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $817, making it a popular choice for budget-conscious drivers. Rates in West Babylon 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 West Babylon

$1523

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in West Babylon

1st place: Kemper

At $817 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 $1082 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1091 for six months, making it the third cheapest auto insurance company in West Babylon.

West Babylon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Babylon, NY is Kemper, offering policies at just $817 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1082.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2276 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Babylon drivers find the best deals.

Cheap Car Insurance Companies in West Babylon, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$817	$139
New York Central Mutual Fire	$1082	$181
Progressive	$1091	$184
American Family	$1265	$213
NYCM	$1328	$223
Erie	$1591	$265
Nationwide	$1600	$272
USAA	$1609	$271
State Farm	$1995	$336
Travelers	$2102	$354
Allstate	$2276	$383

Key Takeaways

Way's key takeaways about car insurance in West Babylon

The auto insurance costs in West Babylon fall around $817 for six months.
The cheapest auto insurance company in West Babylon is New York Central Mutual Fire.
Teen drivers pay the highest rate in West Babylon at $1160 per month.

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Cheapest Minimum Liability Car Insurance in West Babylon

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 West Babylon are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in West Babylon. Their Average 6 Month Premium is $386. Preferred Mutual is the most expensive at $1020 for the same period.

Cheapest Liability Coverage in West Babylon, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$386	$65
NYCM	$404	$68
Kemper	$475	$78
Progressive	$562	$95
American Family	$571	$96
USAA	$694	$117
Nationwide	$739	$123
Erie	$932	$158
State Farm	$1082	$182
Travelers	$1160	$195
Allstate	$1214	$204
Utica National	$844	$144
Preferred Mutual	$1020	$170

Cheapest Full Coverage Car Insurance in West Babylon

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 West Babylon is Kemper at $139 per month and $817 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Babylon, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$817	$139
New York Central Mutual Fire	$1082	$181
Progressive	$1091	$184
American Family	$1265	$213
NYCM	$1328	$223
Erie	$1591	$265
Nationwide	$1600	$272
USAA	$1609	$271
State Farm	$1995	$336
Travelers	$2102	$354
Allstate	$2276	$383

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Average Car Insurance in West Babylon 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 West Babylon, NY increasing?

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

Car Insurance Premiums by Age in West Babylon

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	$833
30s	National Grange Mutual	$593
40s	National Grange Mutual	$571
50s	National Grange Mutual	$580
60s	National Grange Mutual	$625
70s	National Grange Mutual	$857

Cheapest Car Insurance Rates for Teen Drivers in West Babylon,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the West Babylon at $92 per month. At $6892 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$554	$92
American Family	$667	$112
NYCM	$1116	$188
Progressive	$1767	$297
New York Central Mutual Fire	$1925	$321
USAA	$3534	$595
Nationwide	$4616	$770
Travelers	$5714	$962
Allstate	$6180	$1040
State Farm	$6892	$1160

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 West Babylon.

As young drivers face the highest rates in West Babylon, National Grange Mutual offers the cheapest auto insurance rates at $833 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 West Babylon, Chubb is the cheapest car insurance provider. At $1187 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 West Babylon is Progressive, offering rates of around $7658 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1187	$198
Kemper	$1240	$210
Nationwide	$1600	$266
USAA	$2216	$377
NYCM	$2312	$385
Erie	$2506	$426
American Family	$2945	$491
Allstate	$3015	$508
State Farm	$3121	$525
Mercury	$3666	$623
Travelers	$3744	$630
Progressive	$7658	$1289

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Car Insurance Rates with An Accident in West Babylon

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

Cheapest Car Insurance Companies after an At-Fault Accident in West Babylon

The cheapest car insurance companies after an at-fault accident in West Babylon include Kemper and American Family, offering $685 and $703, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $852.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$685	$114
American Family	$703	$118
NYCM	$852	$144
Erie	$932	$158
Chubb	$1029	$172
Progressive	$1125	$189
New York Central Mutual Fire	$1301	$218
USAA	$1397	$235
Nationwide	$2102	$351
Allstate	$2119	$357
State Farm	$2559	$431
Travelers	$2602	$438
Utica National	$844	$144
Preferred Mutual	$852	$142

West Babylon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Babylon NY. For example, the car insurance in West Babylon after a DUI increases to $1056 for a six month policy. While the rate increases by $168 for a six-month policy in the case of a speeding ticket.

West Babylon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1854	$309
One Med/PIP claim	$1854	$315
One comp claim	$1872	$312
Two comp claims	$1890	$321
Two Med/PIP claims	$1890	$315
Not-at-fault accident	$1899	$323
Failure to show documents	$1925	$321
Failure to wear a seat belt	$1934	$329
Driving with expired registration	$1952	$326
At-fault accident - less than $1000	$1961	$333
Cell phone violation	$1961	$327
Child safety restraint	$1961	$333
Driving without lights	$1961	$327
Failure to stop at a red light	$1961	$333
Failure to yield	$1961	$327
Following too closely	$1961	$333
Illegal turn	$1961	$327
Improper passing	$1961	$333
Passing school bus	$1961	$327
Texting while driving	$1961	$333
Wrong way/wrong lane	$1961	$327
Driving too slowly	$1979	$336
Speeding in school zone	$1979	$330
At-fault accident - $1000-$2000	$1986	$337
Speeding 11 - 15 MPH over limit	$2022	$337
Speeding 6 - 10 MPH over limit	$2022	$343
Operating a vehicle without permission	$2057	$343
Open container	$2084	$354
In 65 MPH zone	$2171	$363
Speeding 16 - 20 MPH over limit	$2198	$374
Speeding 21 - 25 MPH over limit	$2276	$379
At-fault accident - greater than $2000	$2452	$417
Reckless driving	$2620	$437
Racing	$2725	$463
Driving with a suspended license	$2822	$471
Refusal to submit to a chemical test	$2883	$490
DUI	$2910	$485
Leaving scene of an accident/hit and run	$2954	$502

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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 West Babylon 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 West Babylon.

The cheapest car insurance premiums in West Babylon are offered by American Family at $667 for a six-month policy. However, it can be as expensive as $2981 with companies like State Farm.

West Babylon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$667	$112
Kemper	$703	$120
Progressive	$852	$144
NYCM	$1073	$181
New York Central Mutual Fire	$1582	$263
USAA	$1687	$284
Allstate	$2506	$422
Travelers	$2575	$434
Nationwide	$2611	$435
State Farm	$2981	$502

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 West Babylon are offered by American Family at $589. However, it can be as expensive as $3024 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in West Babylon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$589	$101
Kemper	$589	$98
Progressive	$730	$123
NYCM	$975	$163
USAA	$1328	$226
Nationwide	$1829	$305
State Farm	$1979	$336
Travelers	$2892	$482
Allstate	$3024	$514

Car Insurance Price Trends in West Babylon, New York

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

The average cost of full coverage in the West Babylon dipped by $366 in December compared to $367 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 West Babylon dipped to $126 in December, compared to $130 in November. This represents an decrease of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in West Babylon?

The car insurance in West Babylon is $65 per month, which is lower than the national average.

What is the cheapest car insurance in West Babylon?

The cheapest car insurance in West Babylon is $139 per month for full coverage.

How much is car insurance in West Babylon for teenagers?

Car insurance for teenagers costs $554 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 West Babylon?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $256 per month to insure your car in West Babylon.

Is car insurance expensive in West Babylon?

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

Cheapest Car Insurance Quotes in West Babylon

Why you can trust Way?

How Much Is Car Insurance in West Babylon

Avg. Car Insurance in West Babylon

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in West Babylon

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

West Babylon Car Insurance Rates by Company

Cheap Car Insurance Companies in West Babylon, NY

Way's key takeaways about car insurance in West Babylon

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in West Babylon

Cheapest Liability Coverage in West Babylon, NY

Cheapest Full Coverage Car Insurance in West Babylon

Cheapest Full Coverage Car Insurance Quotes in West Babylon, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in West Babylon by Rating Factor

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

Car Insurance Premiums by Age in West Babylon

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in West Babylon,NY

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

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 West Babylon

Cheapest Car Insurance Companies after an At-Fault Accident in West Babylon

West Babylon Car Insurance Rates by Violation

West Babylon auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in West Babylon after a DUI

West Babylon car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in West Babylon after Speeding ticket

Car Insurance Price Trends in West Babylon, New York

Average Car Insurance Cost in West Babylon by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near West Babylon, NY

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

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