Cheapest Car Insurance Quotes in West Sayville

Cheapest Minimum Liability Car Insurance in West Sayville

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 Sayville are given below. 

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in West Sayville. Their Average 6 Month Premium is $365. Preferred Mutual is the most expensive at $965 for the same period. 

Cheapest Liability Coverage in West Sayville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$365	$62
NYCM	$433	$71
Kemper	$449	$77
American Family	$540	$91
Progressive	$557	$94
USAA	$715	$120
Erie	$882	$150
Travelers	$948	$158
Allstate	$1015	$172
State Farm	$1081	$181
Nationwide	$699	$116
Utica National	$798	$136
Preferred Mutual	$965	$161

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Cheapest Full Coverage Car Insurance in West Sayville

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 Sayville is Kemper at $132 per month and $773 for six months. 

Cheapest Full Coverage Car Insurance Quotes in West Sayville, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$773	$132
New York Central Mutual Fire	$1023	$171
Progressive	$1089	$183
American Family	$1197	$202
NYCM	$1448	$244
USAA	$1604	$270
Erie	$1638	$276
Nationwide	$1788	$298
Travelers	$1821	$307
State Farm	$2170	$365
Allstate	$2428	$409
Chubb	$2486	$414

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Car Insurance Premiums by Age in West Sayville

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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Age Group	Cheapest Companies	Avg. 6 Mo. Premium

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West Sayville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Sayville NY. For example, the car insurance in West Sayville after a DUI increases to $998 for a six month policy. While the rate increases by $158 for a six-month policy in the case of a speeding ticket.  

West Sayville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1754	$293
One Med/PIP claim	$1754	$298
One comp claim	$1771	$295
Two comp claims	$1788	$304
Two Med/PIP claims	$1788	$298
Not-at-fault accident	$1796	$305
Failure to show documents	$1821	$304
Failure to wear a seat belt	$1830	$311
Driving with expired registration	$1847	$308
At-fault accident - less than $1000	$1855	$315
Cell phone violation	$1855	$309
Child safety restraint	$1855	$315
Driving without lights	$1855	$309
Failure to stop at a red light	$1855	$315
Failure to yield	$1855	$309
Following too closely	$1855	$315
Illegal turn	$1855	$309
Improper passing	$1855	$315
Passing school bus	$1855	$309
Texting while driving	$1855	$315
Wrong way/wrong lane	$1855	$309
Driving too slowly	$1872	$318
Speeding in school zone	$1872	$312
At-fault accident - $1000-$2000	$1879	$319
Speeding 11 - 15 MPH over limit	$1912	$319
Speeding 6 - 10 MPH over limit	$1912	$325
Operating a vehicle without permission	$1946	$325
Open container	$1971	$335
In 65 MPH zone	$2054	$343
Speeding 16 - 20 MPH over limit	$2079	$354
Speeding 21 - 25 MPH over limit	$2153	$358
At-fault accident - greater than $2000	$2320	$395
Reckless driving	$2478	$413
Racing	$2577	$438
Driving with a suspended license	$2670	$445
Refusal to submit to a chemical test	$2727	$463
DUI	$2752	$459
Leaving scene of an accident/hit and run	$2794	$475

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