Cheapest Car Insurance Quotes in Woodsburgh

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Woodsburgh Car Insurance

^$ 81

/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 Woodsburgh

The car insurance rate in Woodsburgh is $1893 for a six-month policy, which is $864 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1016, making it a popular choice for budget-conscious drivers. Rates in Woodsburgh 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 Woodsburgh

$1893

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Woodsburgh

1st place: Kemper

At $1016 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 $1345 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1356 for six months, making it the third cheapest auto insurance company in Woodsburgh.

Woodsburgh Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Woodsburgh, NY is Kemper, offering policies at just $1016 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1345.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2830 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Woodsburgh drivers find the best deals.

Cheap Car Insurance Companies in Woodsburgh, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1016	$173
New York Central Mutual Fire	$1345	$224
Progressive	$1356	$228
American Family	$1573	$265
NYCM	$1650	$278
Erie	$1978	$329
Nationwide	$1989	$339
USAA	$2000	$337
State Farm	$2480	$418
Travelers	$2613	$440
Allstate	$2830	$477

Key Takeaways

Way's key takeaways about car insurance in Woodsburgh

The auto insurance costs in Woodsburgh fall around $1016 for six months.
The cheapest auto insurance company in Woodsburgh is New York Central Mutual Fire.
Teen drivers pay the highest rate in Woodsburgh at $1443 per month.

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Cheapest Minimum Liability Car Insurance in Woodsburgh

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 Woodsburgh are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Woodsburgh. Their Average 6 Month Premium is $480. Preferred Mutual is the most expensive at $1268 for the same period.

Cheapest Liability Coverage in Woodsburgh, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$480	$81
NYCM	$502	$85
Kemper	$591	$98
Progressive	$699	$118
American Family	$710	$120
USAA	$863	$145
Nationwide	$918	$153
Erie	$1159	$197
State Farm	$1345	$226
Travelers	$1443	$243
Allstate	$1509	$254
Utica National	$1049	$178
Preferred Mutual	$1268	$212

Cheapest Full Coverage Car Insurance in Woodsburgh

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 Woodsburgh is Kemper at $173 per month and $1016 for six months.

Cheapest Full Coverage Car Insurance Quotes in Woodsburgh, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1016	$173
New York Central Mutual Fire	$1345	$224
Progressive	$1356	$228
American Family	$1573	$265
NYCM	$1650	$278
Erie	$1978	$329
Nationwide	$1989	$339
USAA	$2000	$337
State Farm	$2480	$418
Travelers	$2613	$440
Allstate	$2830	$477

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Average Car Insurance in Woodsburgh 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 Woodsburgh, NY increasing?

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

Car Insurance Premiums by Age in Woodsburgh

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	$1036
30s	National Grange Mutual	$738
40s	National Grange Mutual	$710
50s	National Grange Mutual	$721
60s	National Grange Mutual	$776
70s	National Grange Mutual	$1065

Cheapest Car Insurance Rates for Teen Drivers in Woodsburgh,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Woodsburgh at $114 per month. At $8569 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$688	$114
American Family	$830	$140
NYCM	$1387	$234
Progressive	$2197	$370
New York Central Mutual Fire	$2394	$399
USAA	$4394	$740
Nationwide	$5739	$957
Travelers	$7104	$1196
Allstate	$7684	$1294
State Farm	$8569	$1443

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 Woodsburgh.

As young drivers face the highest rates in Woodsburgh, National Grange Mutual offers the cheapest auto insurance rates at $1036 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 Woodsburgh, Chubb is the cheapest car insurance provider. At $1476 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 Woodsburgh is Progressive, offering rates of around $9520 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1476	$247
Kemper	$1542	$261
Nationwide	$1989	$331
USAA	$2754	$469
NYCM	$2874	$478
Erie	$3115	$530
American Family	$3662	$611
Allstate	$3748	$631
State Farm	$3881	$653
Mercury	$4558	$775
Travelers	$4655	$784
Progressive	$9520	$1603

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Car Insurance Rates with An Accident in Woodsburgh

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

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

The cheapest car insurance companies after an at-fault accident in Woodsburgh include Kemper and American Family, offering $852 and $874, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $1060.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$852	$142
American Family	$874	$147
NYCM	$1060	$178
Erie	$1159	$197
Chubb	$1279	$213
Progressive	$1398	$236
New York Central Mutual Fire	$1617	$270
USAA	$1737	$293
Nationwide	$2613	$436
Allstate	$2635	$443
State Farm	$3181	$535
Travelers	$3235	$545
Utica National	$1049	$178
Preferred Mutual	$1060	$177

Woodsburgh Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Woodsburgh NY. For example, the car insurance in Woodsburgh after a DUI increases to $1311 for a six month policy. While the rate increases by $207 for a six-month policy in the case of a speeding ticket.

Woodsburgh auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2306	$385
One Med/PIP claim	$2306	$392
One comp claim	$2328	$388
Two comp claims	$2350	$399
Two Med/PIP claims	$2350	$392
Not-at-fault accident	$2361	$401
Failure to show documents	$2394	$399
Failure to wear a seat belt	$2405	$408
Driving with expired registration	$2427	$405
At-fault accident - less than $1000	$2438	$414
Cell phone violation	$2438	$407
Child safety restraint	$2438	$414
Driving without lights	$2438	$407
Failure to stop at a red light	$2438	$414
Failure to yield	$2438	$407
Following too closely	$2438	$414
Illegal turn	$2438	$407
Improper passing	$2438	$414
Passing school bus	$2438	$407
Texting while driving	$2438	$414
Wrong way/wrong lane	$2438	$407
Driving too slowly	$2460	$418
Speeding in school zone	$2460	$410
At-fault accident - $1000-$2000	$2469	$420
Speeding 11 - 15 MPH over limit	$2513	$420
Speeding 6 - 10 MPH over limit	$2513	$427
Operating a vehicle without permission	$2558	$427
Open container	$2591	$440
In 65 MPH zone	$2699	$451
Speeding 16 - 20 MPH over limit	$2732	$466
Speeding 21 - 25 MPH over limit	$2830	$471
At-fault accident - greater than $2000	$3049	$519
Reckless driving	$3257	$543
Racing	$3387	$576
Driving with a suspended license	$3509	$585
Refusal to submit to a chemical test	$3584	$609
DUI	$3617	$604
Leaving scene of an accident/hit and run	$3673	$624

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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 Woodsburgh 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 Woodsburgh.

The cheapest car insurance premiums in Woodsburgh are offered by American Family at $830 for a six-month policy. However, it can be as expensive as $3706 with companies like State Farm.

Woodsburgh car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$830	$140
Kemper	$874	$149
Progressive	$1060	$178
NYCM	$1334	$224
New York Central Mutual Fire	$1967	$328
USAA	$2098	$353
Allstate	$3115	$524
Travelers	$3202	$539
Nationwide	$3246	$541
State Farm	$3706	$624

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 Woodsburgh are offered by American Family at $732. However, it can be as expensive as $3759 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Woodsburgh after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$732	$125
Kemper	$732	$121
Progressive	$907	$153
NYCM	$1213	$202
USAA	$1650	$282
Nationwide	$2274	$379
State Farm	$2460	$418
Travelers	$3595	$600
Allstate	$3759	$638

Car Insurance Price Trends in Woodsburgh, New York

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

The average cost of full coverage in the Woodsburgh dipped by $454 in December compared to $456 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 Woodsburgh dipped to $156 in December, compared to $162 in November. This represents an decrease of $6 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Woodsburgh?

The car insurance in Woodsburgh is $81 per month, which is lower than the national average.

What is the cheapest car insurance in Woodsburgh?

The cheapest car insurance in Woodsburgh is $173 per month for full coverage.

How much is car insurance in Woodsburgh for teenagers?

Car insurance for teenagers costs $688 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 Woodsburgh?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $318 per month to insure your car in Woodsburgh.

Is car insurance expensive in Woodsburgh?

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

Cheapest Car Insurance Quotes in Woodsburgh

Why you can trust Way?

How Much Is Car Insurance in Woodsburgh

Avg. Car Insurance in Woodsburgh

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Woodsburgh

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Woodsburgh Car Insurance Rates by Company

Cheap Car Insurance Companies in Woodsburgh, NY

Way's key takeaways about car insurance in Woodsburgh

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Woodsburgh

Cheapest Liability Coverage in Woodsburgh, NY

Cheapest Full Coverage Car Insurance in Woodsburgh

Cheapest Full Coverage Car Insurance Quotes in Woodsburgh, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Woodsburgh by Rating Factor

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

Car Insurance Premiums by Age in Woodsburgh

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Woodsburgh,NY

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

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 Woodsburgh

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

Woodsburgh Car Insurance Rates by Violation

Woodsburgh auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Woodsburgh after a DUI

Woodsburgh car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Woodsburgh after Speeding ticket

Car Insurance Price Trends in Woodsburgh, New York

Average Car Insurance Cost in Woodsburgh by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Woodsburgh, NY

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

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