Cheapest Car Insurance Quotes in West Kill

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West Kill Car Insurance

^$ 43

/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 Kill

The car insurance rate in West Kill is $1008 for a six-month policy, which is $21 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $541, making it a popular choice for budget-conscious drivers. Rates in West Kill 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 Kill

$1008

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in West Kill

1st place: Kemper

At $541 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 $716 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $722 for six months, making it the third cheapest auto insurance company in West Kill.

West Kill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Kill, NY is Kemper, offering policies at just $541 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $716.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1507 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Kill drivers find the best deals.

Cheap Car Insurance Companies in West Kill, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$541	$92
New York Central Mutual Fire	$716	$120
Progressive	$722	$122
American Family	$838	$141
NYCM	$879	$148
Erie	$1054	$175
Nationwide	$1059	$180
USAA	$1065	$179
State Farm	$1321	$222
Travelers	$1392	$234
Allstate	$1507	$254

Key Takeaways

Way's key takeaways about car insurance in West Kill

The auto insurance costs in West Kill fall around $541 for six months.
The cheapest auto insurance company in West Kill is New York Central Mutual Fire.
Teen drivers pay the highest rate in West Kill at $768 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in West Kill

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 Kill are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in West Kill. Their Average 6 Month Premium is $256. Preferred Mutual is the most expensive at $675 for the same period.

Cheapest Liability Coverage in West Kill, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$256	$43
NYCM	$268	$45
Kemper	$315	$52
Progressive	$372	$63
American Family	$378	$64
USAA	$460	$77
Nationwide	$489	$81
Erie	$617	$105
State Farm	$716	$121
Travelers	$768	$129
Allstate	$804	$135
Utica National	$559	$95
Preferred Mutual	$675	$113

Cheapest Full Coverage Car Insurance in West Kill

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 Kill is Kemper at $92 per month and $541 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Kill, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$541	$92
New York Central Mutual Fire	$716	$120
Progressive	$722	$122
American Family	$838	$141
NYCM	$879	$148
Erie	$1054	$175
Nationwide	$1059	$180
USAA	$1065	$179
State Farm	$1321	$222
Travelers	$1392	$234
Allstate	$1507	$254

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Average Car Insurance in West Kill 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 Kill, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in West Kill, 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 Kill'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 Kill

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	$552
30s	National Grange Mutual	$393
40s	National Grange Mutual	$378
50s	National Grange Mutual	$384
60s	National Grange Mutual	$414
70s	National Grange Mutual	$567

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

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the West Kill at $61 per month. At $4564 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$367	$61
American Family	$442	$74
NYCM	$739	$124
Progressive	$1170	$197
New York Central Mutual Fire	$1275	$213
USAA	$2340	$394
Nationwide	$3057	$510
Travelers	$3784	$637
Allstate	$4092	$689
State Farm	$4564	$768

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 Kill.

As young drivers face the highest rates in West Kill, National Grange Mutual offers the cheapest auto insurance rates at $552 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 Kill, Chubb is the cheapest car insurance provider. At $786 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 Kill is Progressive, offering rates of around $5071 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$786	$131
Kemper	$821	$139
Nationwide	$1059	$176
USAA	$1467	$250
NYCM	$1531	$255
Erie	$1659	$282
American Family	$1950	$325
Allstate	$1996	$336
State Farm	$2067	$348
Mercury	$2427	$413
Travelers	$2479	$417
Progressive	$5071	$854

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Car Insurance Rates with An Accident in West Kill

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

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

The cheapest car insurance companies after an at-fault accident in West Kill include Kemper and American Family, offering $454 and $466, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $564.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$454	$75
American Family	$466	$78
NYCM	$564	$95
Erie	$617	$105
Chubb	$681	$114
Progressive	$745	$125
New York Central Mutual Fire	$861	$144
USAA	$925	$156
Nationwide	$1392	$232
Allstate	$1403	$236
State Farm	$1694	$285
Travelers	$1723	$290
Utica National	$559	$95
Preferred Mutual	$564	$94

West Kill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Kill NY. For example, the car insurance in West Kill after a DUI increases to $699 for a six month policy. While the rate increases by $111 for a six-month policy in the case of a speeding ticket.

West Kill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1228	$205
One Med/PIP claim	$1228	$209
One comp claim	$1240	$207
Two comp claims	$1251	$213
Two Med/PIP claims	$1251	$209
Not-at-fault accident	$1257	$214
Failure to show documents	$1275	$213
Failure to wear a seat belt	$1281	$218
Driving with expired registration	$1293	$216
At-fault accident - less than $1000	$1299	$221
Cell phone violation	$1299	$217
Child safety restraint	$1299	$221
Driving without lights	$1299	$217
Failure to stop at a red light	$1299	$221
Failure to yield	$1299	$217
Following too closely	$1299	$221
Illegal turn	$1299	$217
Improper passing	$1299	$221
Passing school bus	$1299	$217
Texting while driving	$1299	$221
Wrong way/wrong lane	$1299	$217
Driving too slowly	$1310	$222
Speeding in school zone	$1310	$219
At-fault accident - $1000-$2000	$1315	$223
Speeding 11 - 15 MPH over limit	$1339	$223
Speeding 6 - 10 MPH over limit	$1339	$227
Operating a vehicle without permission	$1362	$227
Open container	$1380	$234
In 65 MPH zone	$1438	$240
Speeding 16 - 20 MPH over limit	$1455	$248
Speeding 21 - 25 MPH over limit	$1507	$251
At-fault accident - greater than $2000	$1624	$276
Reckless driving	$1735	$289
Racing	$1804	$307
Driving with a suspended license	$1869	$312
Refusal to submit to a chemical test	$1909	$324
DUI	$1927	$321
Leaving scene of an accident/hit and run	$1956	$332

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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 Kill 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 Kill.

The cheapest car insurance premiums in West Kill are offered by American Family at $442 for a six-month policy. However, it can be as expensive as $1974 with companies like State Farm.

West Kill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$442	$74
Kemper	$466	$79
Progressive	$564	$95
NYCM	$711	$120
New York Central Mutual Fire	$1048	$174
USAA	$1117	$188
Allstate	$1659	$279
Travelers	$1705	$287
Nationwide	$1729	$288
State Farm	$1974	$332

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 Kill are offered by American Family at $390. However, it can be as expensive as $2002 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in West Kill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$390	$67
Kemper	$390	$65
Progressive	$483	$81
NYCM	$646	$108
USAA	$879	$150
Nationwide	$1211	$202
State Farm	$1310	$222
Travelers	$1915	$319
Allstate	$2002	$340

Car Insurance Price Trends in West Kill, New York

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

The average cost of full coverage in the West Kill dipped by $242 in December compared to $243 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 Kill dipped to $83 in December, compared to $86 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 West Kill?

The car insurance in West Kill is $43 per month, which is lower than the national average.

What is the cheapest car insurance in West Kill?

The cheapest car insurance in West Kill is $92 per month for full coverage.

How much is car insurance in West Kill for teenagers?

Car insurance for teenagers costs $367 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 Kill?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $170 per month to insure your car in West Kill.

Is car insurance expensive in West Kill?

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

Cheapest Car Insurance Quotes in West Kill

Why you can trust Way?

How Much Is Car Insurance in West Kill

Avg. Car Insurance in West Kill

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in West Kill

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

West Kill Car Insurance Rates by Company

Cheap Car Insurance Companies in West Kill, NY

Way's key takeaways about car insurance in West Kill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in West Kill

Cheapest Liability Coverage in West Kill, NY

Cheapest Full Coverage Car Insurance in West Kill

Cheapest Full Coverage Car Insurance Quotes in West Kill, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in West Kill by Rating Factor

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

Car Insurance Premiums by Age in West Kill

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Kill

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

West Kill Car Insurance Rates by Violation

West Kill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in West Kill after a DUI

West Kill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in West Kill after Speeding ticket

Car Insurance Price Trends in West Kill, New York

Average Car Insurance Cost in West Kill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near West Kill, NY

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

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