Cheapest Car Insurance Quotes in Woodbury

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Woodbury Car Insurance

^$ 67

/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 Woodbury

The car insurance rate in Woodbury is $1760 for a six-month policy, which is $602 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $839, making it a popular choice for budget-conscious drivers. Rates in Woodbury 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 Woodbury

$1760

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Woodbury

1st place: Kemper

At $839 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 $1111 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1183 for six months, making it the third cheapest auto insurance company in Woodbury.

Woodbury Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Woodbury, NY is Kemper, offering policies at just $839 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1111.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $2700 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Woodbury drivers find the best deals.

Cheap Car Insurance Companies in Woodbury, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$839	$143
New York Central Mutual Fire	$1111	$185
Progressive	$1183	$199
American Family	$1300	$219
NYCM	$1572	$264
USAA	$1742	$293
Erie	$1778	$299
Nationwide	$1941	$324
Travelers	$1978	$333
State Farm	$2356	$397
Allstate	$2636	$444
Chubb	$2700	$450

Key Takeaways

Way's key takeaways about car insurance in Woodbury

The auto insurance costs in Woodbury fall around $839 for six months.
The cheapest auto insurance company in Woodbury is New York Central Mutual Fire.
Teen drivers pay the highest rate in Woodbury at $1357 per month.

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Cheapest Minimum Liability Car Insurance in Woodbury

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 Woodbury are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Woodbury. Their Average 6 Month Premium is $397. Preferred Mutual is the most expensive at $1047 for the same period.

Cheapest Liability Coverage in Woodbury, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$397	$67
NYCM	$470	$78
Kemper	$488	$84
American Family	$587	$99
Progressive	$605	$102
USAA	$777	$131
Erie	$958	$163
Travelers	$1029	$172
Allstate	$1102	$187
State Farm	$1173	$196
Nationwide	$758	$126
Utica National	$866	$147
Preferred Mutual	$1047	$175

Cheapest Full Coverage Car Insurance in Woodbury

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 Woodbury is Kemper at $143 per month and $839 for six months.

Cheapest Full Coverage Car Insurance Quotes in Woodbury, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$839	$143
New York Central Mutual Fire	$1111	$185
Progressive	$1183	$199
American Family	$1300	$219
NYCM	$1572	$264
USAA	$1742	$293
Erie	$1778	$299
Nationwide	$1941	$324
Travelers	$1978	$333
State Farm	$2356	$397
Allstate	$2636	$444
Chubb	$2700	$450

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Average Car Insurance in Woodbury 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 Woodbury, NY increasing?

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

Car Insurance Premiums by Age in Woodbury

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 Woodbury,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Woodbury at $97 per month. At $8062 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$568	$97
American Family	$686	$116
NYCM	$1517	$255
Progressive	$1870	$315
New York Central Mutual Fire	$1978	$336
Erie	$3802	$634
USAA	$4180	$704
Travelers	$5498	$926
Nationwide	$5724	$973
Chubb	$5995	$999
Allstate	$6898	$1161
State Farm	$8062	$1357

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 Woodbury, Kemper is the cheapest car insurance provider. At $1274 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 Woodbury is Progressive, offering rates of around $7629 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1274	$213
Nationwide	$1941	$330
Chubb	$2303	$388
USAA	$2798	$476
Erie	$2979	$502
American Family	$3025	$514
NYCM	$3387	$564
Allstate	$3692	$622
Mercury	$3765	$628
State Farm	$3891	$655
Travelers	$4505	$758
Progressive	$7629	$1284

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Car Insurance Rates with An Accident in Woodbury

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

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

The cheapest car insurance companies after an at-fault accident in Woodbury include Kemper and American Family, offering $704 and $722, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $876.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$704	$117
American Family	$722	$122
Progressive	$1111	$187
NYCM	$1129	$190
New York Central Mutual Fire	$1336	$223
USAA	$1517	$255
Erie	$1941	$327
Chubb	$2202	$371
Allstate	$2374	$400
Travelers	$2447	$412
Nationwide	$2564	$427
State Farm	$2997	$505
Utica National	$866	$147
Preferred Mutual	$876	$146

Woodbury Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Woodbury NY. For example, the car insurance in Woodbury after a DUI increases to $1083 for a six month policy. While the rate increases by $171 for a six-month policy in the case of a speeding ticket.

Woodbury auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1905	$318
One Med/PIP claim	$1905	$324
One comp claim	$1923	$321
Two comp claims	$1941	$330
Two Med/PIP claims	$1941	$324
Not-at-fault accident	$1950	$331
Failure to show documents	$1978	$330
Failure to wear a seat belt	$1987	$337
Driving with expired registration	$2005	$334
At-fault accident - less than $1000	$2014	$342
Cell phone violation	$2014	$336
Child safety restraint	$2014	$342
Driving without lights	$2014	$336
Failure to stop at a red light	$2014	$342
Failure to yield	$2014	$336
Following too closely	$2014	$342
Illegal turn	$2014	$336
Improper passing	$2014	$342
Passing school bus	$2014	$336
Texting while driving	$2014	$342
Wrong way/wrong lane	$2014	$336
Driving too slowly	$2032	$345
Speeding in school zone	$2032	$339
At-fault accident - $1000-$2000	$2040	$347
Speeding 11 - 15 MPH over limit	$2076	$347
Speeding 6 - 10 MPH over limit	$2076	$353
Operating a vehicle without permission	$2113	$353
Open container	$2140	$363
In 65 MPH zone	$2230	$372
Speeding 16 - 20 MPH over limit	$2257	$385
Speeding 21 - 25 MPH over limit	$2338	$389
At-fault accident - greater than $2000	$2519	$429
Reckless driving	$2690	$448
Racing	$2798	$476
Driving with a suspended license	$2899	$483
Refusal to submit to a chemical test	$2961	$503
DUI	$2988	$499
Leaving scene of an accident/hit and run	$3034	$515

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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 Woodbury 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 Woodbury.

The cheapest car insurance premiums in Woodbury are offered by American Family at $686 for a six-month policy. However, it can be as expensive as $3387 with companies like Chubb.

Woodbury car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$686	$116
Kemper	$722	$123
Progressive	$930	$157
NYCM	$1409	$237
New York Central Mutual Fire	$1625	$271
USAA	$1851	$312
Travelers	$2420	$407
Allstate	$2862	$482
Erie	$2952	$492
Nationwide	$3206	$546
State Farm	$3368	$567
Chubb	$3387	$576

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 Woodbury are offered by American Family at $605. However, it can be as expensive as $3855 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Woodbury after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$605	$100
Kemper	$605	$103
Progressive	$876	$147
NYCM	$1418	$242
USAA	$1643	$274
Erie	$1923	$327
Nationwide	$1941	$324
Travelers	$2239	$380
State Farm	$2709	$451
Chubb	$3206	$546
Allstate	$3855	$643

Car Insurance Price Trends in Woodbury, New York

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

The average cost of full coverage in the Woodbury rose by $418 in January compared to $375 of December. In other words, there has been an increase by $43 when you compare January and December.

The average cost of liability insurance in the Woodbury dipped to $122 in January, compared to $129 in December. This represents an decrease of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Woodbury?

The car insurance in Woodbury is $67 per month, which is lower than the national average.

What is the cheapest car insurance in Woodbury?

The cheapest car insurance in Woodbury is $143 per month for full coverage.

How much is car insurance in Woodbury for teenagers?

Car insurance for teenagers costs $568 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 Woodbury?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $295 per month to insure your car in Woodbury.

Is car insurance expensive in Woodbury?

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

Cheapest Car Insurance Quotes in Woodbury

Why you can trust Way?

How Much Is Car Insurance in Woodbury

Avg. Car Insurance in Woodbury

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Woodbury

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Woodbury Car Insurance Rates by Company

Cheap Car Insurance Companies in Woodbury, NY

Way's key takeaways about car insurance in Woodbury

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Woodbury

Cheapest Liability Coverage in Woodbury, NY

Cheapest Full Coverage Car Insurance in Woodbury

Cheapest Full Coverage Car Insurance Quotes in Woodbury, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Woodbury by Rating Factor

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

Car Insurance Premiums by Age in Woodbury

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Woodbury,NY

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

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 Woodbury

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

Woodbury Car Insurance Rates by Violation

Woodbury auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Woodbury after a DUI

Woodbury car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Woodbury after Speeding ticket

Car Insurance Price Trends in Woodbury, New York

Average Car Insurance Cost in Woodbury by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Woodbury, NY

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

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