Cheapest Car Insurance Quotes in Woodmere

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Woodmere Car Insurance

^$ 83

/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 Woodmere

The car insurance rate in Woodmere is $1935 for a six-month policy, which is $906 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1038, making it a popular choice for budget-conscious drivers. Rates in Woodmere 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 Woodmere

$1935

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Woodmere

1st place: Kemper

At $1038 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 $1374 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1386 for six months, making it the third cheapest auto insurance company in Woodmere.

Woodmere Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Woodmere, NY is Kemper, offering policies at just $1038 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1374.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2891 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Woodmere drivers find the best deals.

Cheap Car Insurance Companies in Woodmere, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1038	$177
New York Central Mutual Fire	$1374	$229
Progressive	$1386	$233
American Family	$1607	$271
NYCM	$1686	$284
Erie	$2021	$337
Nationwide	$2032	$346
USAA	$2044	$344
State Farm	$2534	$427
Travelers	$2670	$449
Allstate	$2891	$487

Key Takeaways

Way's key takeaways about car insurance in Woodmere

The auto insurance costs in Woodmere fall around $1038 for six months.
The cheapest auto insurance company in Woodmere is New York Central Mutual Fire.
Teen drivers pay the highest rate in Woodmere at $1474 per month.

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Cheapest Minimum Liability Car Insurance in Woodmere

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 Woodmere are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Woodmere. Their Average 6 Month Premium is $491. Preferred Mutual is the most expensive at $1295 for the same period.

Cheapest Liability Coverage in Woodmere, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$491	$83
NYCM	$513	$86
Kemper	$603	$100
Progressive	$714	$120
American Family	$726	$122
USAA	$882	$149
Nationwide	$938	$156
Erie	$1184	$201
State Farm	$1374	$231
Travelers	$1474	$248
Allstate	$1542	$259
Utica National	$1072	$182
Preferred Mutual	$1295	$216

Cheapest Full Coverage Car Insurance in Woodmere

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 Woodmere is Kemper at $177 per month and $1038 for six months.

Cheapest Full Coverage Car Insurance Quotes in Woodmere, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1038	$177
New York Central Mutual Fire	$1374	$229
Progressive	$1386	$233
American Family	$1607	$271
NYCM	$1686	$284
Erie	$2021	$337
Nationwide	$2032	$346
USAA	$2044	$344
State Farm	$2534	$427
Travelers	$2670	$449
Allstate	$2891	$487

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Average Car Insurance in Woodmere 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 Woodmere, NY increasing?

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

Car Insurance Premiums by Age in Woodmere

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	$1058
30s	National Grange Mutual	$754
40s	National Grange Mutual	$726
50s	National Grange Mutual	$737
60s	National Grange Mutual	$793
70s	National Grange Mutual	$1089

Cheapest Car Insurance Rates for Teen Drivers in Woodmere,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Woodmere at $117 per month. At $8755 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$703	$117
American Family	$848	$143
NYCM	$1418	$239
Progressive	$2245	$378
New York Central Mutual Fire	$2446	$408
USAA	$4489	$756
Nationwide	$5864	$978
Travelers	$7259	$1222
Allstate	$7851	$1322
State Farm	$8755	$1474

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 Woodmere.

As young drivers face the highest rates in Woodmere, National Grange Mutual offers the cheapest auto insurance rates at $1058 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 Woodmere, Chubb is the cheapest car insurance provider. At $1508 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 Woodmere is Progressive, offering rates of around $9727 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1508	$252
Kemper	$1575	$267
Nationwide	$2032	$338
USAA	$2814	$479
NYCM	$2937	$489
Erie	$3183	$541
American Family	$3741	$624
Allstate	$3830	$645
State Farm	$3965	$667
Mercury	$4657	$791
Travelers	$4756	$801
Progressive	$9727	$1637

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Car Insurance Rates with An Accident in Woodmere

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

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

The cheapest car insurance companies after an at-fault accident in Woodmere include Kemper and American Family, offering $870 and $893, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $1083.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$870	$145
American Family	$893	$150
NYCM	$1083	$182
Erie	$1184	$201
Chubb	$1307	$218
Progressive	$1429	$241
New York Central Mutual Fire	$1653	$276
USAA	$1775	$299
Nationwide	$2670	$446
Allstate	$2692	$453
State Farm	$3251	$547
Travelers	$3305	$556
Utica National	$1072	$182
Preferred Mutual	$1083	$180

Woodmere Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Woodmere NY. For example, the car insurance in Woodmere after a DUI increases to $1340 for a six month policy. While the rate increases by $212 for a six-month policy in the case of a speeding ticket.

Woodmere auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2356	$393
One Med/PIP claim	$2356	$400
One comp claim	$2378	$397
Two comp claims	$2401	$408
Two Med/PIP claims	$2401	$400
Not-at-fault accident	$2412	$410
Failure to show documents	$2446	$408
Failure to wear a seat belt	$2457	$417
Driving with expired registration	$2480	$414
At-fault accident - less than $1000	$2491	$423
Cell phone violation	$2491	$415
Child safety restraint	$2491	$423
Driving without lights	$2491	$415
Failure to stop at a red light	$2491	$423
Failure to yield	$2491	$415
Following too closely	$2491	$423
Illegal turn	$2491	$415
Improper passing	$2491	$423
Passing school bus	$2491	$415
Texting while driving	$2491	$423
Wrong way/wrong lane	$2491	$415
Driving too slowly	$2514	$427
Speeding in school zone	$2514	$419
At-fault accident - $1000-$2000	$2523	$429
Speeding 11 - 15 MPH over limit	$2568	$429
Speeding 6 - 10 MPH over limit	$2568	$436
Operating a vehicle without permission	$2613	$436
Open container	$2647	$449
In 65 MPH zone	$2758	$461
Speeding 16 - 20 MPH over limit	$2792	$476
Speeding 21 - 25 MPH over limit	$2891	$481
At-fault accident - greater than $2000	$3115	$530
Reckless driving	$3328	$555
Racing	$3461	$588
Driving with a suspended license	$3585	$598
Refusal to submit to a chemical test	$3662	$622
DUI	$3696	$617
Leaving scene of an accident/hit and run	$3752	$637

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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 Woodmere 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 Woodmere.

The cheapest car insurance premiums in Woodmere are offered by American Family at $848 for a six-month policy. However, it can be as expensive as $3786 with companies like State Farm.

Woodmere car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$848	$143
Kemper	$893	$152
Progressive	$1083	$182
NYCM	$1363	$229
New York Central Mutual Fire	$2010	$335
USAA	$2143	$361
Allstate	$3183	$536
Travelers	$3271	$551
Nationwide	$3316	$553
State Farm	$3786	$637

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 Woodmere are offered by American Family at $748. However, it can be as expensive as $3841 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Woodmere after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$748	$128
Kemper	$748	$124
Progressive	$927	$156
NYCM	$1239	$207
USAA	$1686	$288
Nationwide	$2324	$387
State Farm	$2514	$427
Travelers	$3674	$613
Allstate	$3841	$652

Car Insurance Price Trends in Woodmere, New York

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

The average cost of full coverage in the Woodmere dipped by $464 in December compared to $466 of November. In other words, there has been an decrease by $2 when you compare December and November.

The average cost of liability insurance in the Woodmere dipped to $160 in December, compared to $165 in November. This represents an decrease of $5 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Woodmere?

The car insurance in Woodmere is $83 per month, which is lower than the national average.

What is the cheapest car insurance in Woodmere?

The cheapest car insurance in Woodmere is $177 per month for full coverage.

How much is car insurance in Woodmere for teenagers?

Car insurance for teenagers costs $703 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 Woodmere?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $325 per month to insure your car in Woodmere.

Is car insurance expensive in Woodmere?

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

Cheapest Car Insurance Quotes in Woodmere

Why you can trust Way?

How Much Is Car Insurance in Woodmere

Avg. Car Insurance in Woodmere

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Woodmere

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Woodmere Car Insurance Rates by Company

Cheap Car Insurance Companies in Woodmere, NY

Way's key takeaways about car insurance in Woodmere

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Woodmere

Cheapest Liability Coverage in Woodmere, NY

Cheapest Full Coverage Car Insurance in Woodmere

Cheapest Full Coverage Car Insurance Quotes in Woodmere, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Woodmere by Rating Factor

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

Car Insurance Premiums by Age in Woodmere

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Woodmere,NY

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

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 Woodmere

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

Woodmere Car Insurance Rates by Violation

Woodmere auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Woodmere after a DUI

Woodmere car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Woodmere after Speeding ticket

Car Insurance Price Trends in Woodmere, New York

Average Car Insurance Cost in Woodmere by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Woodmere, NY

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

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