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Finding the cheapest car insurance quotes in Woodhaven shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Woodhaven
The car insurance rate in Woodhaven is $2629 for a six-month policy, which is $1471 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1253, making it a popular choice for budget-conscious drivers. Rates in Woodhaven 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.
At $1253 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 $1659 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $1766
for six months, making it
the third cheapest auto insurance company in Woodhaven.
Woodhaven Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Woodhaven, NY is Kemper, offering policies at just $1253 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1659.
At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $4032 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Woodhaven drivers find the best deals.
Way's key takeaways about car insurance in Woodhaven
The auto insurance costs in Woodhaven fall around $1253 for six
months.
The cheapest auto insurance company in Woodhaven is New York Central Mutual Fire.
Teen drivers pay the highest rate in Woodhaven at $2027 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Woodhaven
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 Woodhaven are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in Woodhaven. Their Average 6 Month Premium is $592.
Preferred Mutual is the most
expensive at $1564 for the same
period.
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 Woodhaven is Kemper
at $213 per month and $1253
for six months.
Cheapest Full Coverage Car Insurance Quotes in Woodhaven,
NY
Get Your Car Insurance Quote in Woodhaven
Instantly!
Average Car Insurance in Woodhaven 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 Woodhaven, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Woodhaven, 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, Woodhaven's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Woodhaven
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
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Cheapest Car Insurance Rates for Teen Drivers in
Woodhaven,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Woodhaven at $145
per
month. At $12040 for a six-month premium,
State Farm offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Woodhaven.
As young drivers face the highest rates in Woodhaven, N/A
offers the cheapest auto insurance rates at $N/A 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 Woodhaven,
Kemper is
the cheapest car insurance provider. At $1902 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
Woodhaven is Progressive, offering
rates of around $11393 for six
months.
Save up to $971/yr on car insurance rates in Woodhaven.
Car Insurance Rates with An Accident in Woodhaven
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 Woodhaven, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Woodhaven
The cheapest car insurance companies after an at-fault accident in
Woodhaven include Kemper
and American Family, offering $1051
and $1078,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$1308.
Here is a list of driving violations that can increase your car
insurance rates in Woodhaven NY. For example, the car
insurance in Woodhaven
after a DUI increases to $1619 for a six
month policy. While the rate increases by $257 for a six-month policy in the case of
a speeding ticket.
Woodhaven auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$2844
$474
One Med/PIP claim
$2844
$484
One comp claim
$2872
$479
Two comp claims
$2899
$493
Two Med/PIP claims
$2899
$484
Not-at-fault accident
$2912
$495
Failure to show documents
$2953
$493
Failure to wear a seat belt
$2967
$504
Driving with expired registration
$2994
$499
At-fault accident - less than $1000
$3008
$511
Cell phone violation
$3008
$502
Child safety restraint
$3008
$511
Driving without lights
$3008
$502
Failure to stop at a red light
$3008
$511
Failure to yield
$3008
$502
Following too closely
$3008
$511
Illegal turn
$3008
$502
Improper passing
$3008
$511
Passing school bus
$3008
$502
Texting while driving
$3008
$511
Wrong way/wrong lane
$3008
$502
Driving too slowly
$3035
$515
Speeding in school zone
$3035
$506
At-fault accident - $1000-$2000
$3046
$518
Speeding 11 - 15 MPH over limit
$3101
$518
Speeding 6 - 10 MPH over limit
$3101
$527
Operating a vehicle without permission
$3155
$527
Open container
$3196
$543
In 65 MPH zone
$3330
$556
Speeding 16 - 20 MPH over limit
$3371
$574
Speeding 21 - 25 MPH over limit
$3491
$581
At-fault accident - greater than $2000
$3761
$640
Reckless driving
$4018
$670
Racing
$4179
$711
Driving with a suspended license
$4329
$722
Refusal to submit to a chemical test
$4422
$751
DUI
$4463
$745
Leaving scene of an accident/hit and run
$4531
$770
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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 Woodhaven 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 Woodhaven.
The cheapest car insurance premiums in
Woodhaven are
offered by American Family at $1024 for a six-month policy.
However, it can be as
expensive as $5058 with companies
like Chubb.
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 Woodhaven are offered by American Family
at $903. However,
it can be as expensive as $5757
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Woodhaven after Speeding ticket
Car insurance rates in Woodhaven have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Woodhaven rose by
$624 in January
compared to $561 of December. In other words, there has been an increase by $63 when you
compare January and December.
The average cost of liability insurance in the Woodhaven dipped to $182 in January,
compared to $193 in December.
This represents an decrease of $11
when comparing January and December.
Average Car Insurance Cost in Woodhaven by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Woodhaven. At $5257 for a
six-month policy, insuring
your car at 11421 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Woodhaven?
The car insurance in Woodhaven is $100 per month, which is higher than the national average.
What is the cheapest car insurance in Woodhaven?
The cheapest car insurance in Woodhaven
is $213 per month
for full coverage.
How much is car insurance in Woodhaven for teenagers?
Car insurance for teenagers costs $849 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
Woodhaven?
The average cost of car insurance is $1158 for a six-month
policy. It will cost around $440 per month to insure your
car in Woodhaven.
Is car insurance expensive in Woodhaven?
Car insurance can be expensive in Woodhaven if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Woodhaven can be
affordable.
What is the best car insurance in Woodhaven,
NY?
The best car insurance company in Woodhaven
NY is
Kemper, offering $1253 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Woodhaven, NY
Car Insurance Rates by State in the USA (2025 Update)
Woodhaven Car Insurance
