Car insurance rates in Poughkeepsie October 2025

The auto insurance rates published in this guide are based on the results of research completed by Way.com'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.

- NYCM provides the cheapest liability coverage at $44 per month in Poughkeepsie.
- NYCM offers the cheapest rates for full coverage insurance in Poughkeepsie at $98 per month.

Read on to learn more about car insurance price trends in Poughkeepsie. More car insurance rate data is available in the original article at Way.com.

Cheapest liability insurance in Poughkeepsie

For drivers looking to meet Poughkeepsie minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.

Cheapest liability insurance in Poughkeepsie
#1. NYCM: $44
#2. New York Central Mutual Fire: $46
#3. Kemper: $57
#4. American Family: $66
#5. Progressive: $76

Cheap full coverage in Poughkeepsie

Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.

Cheapest full coverage insurance in Poughkeepsie
#1. Kemper: $98
#2. New York Central Mutual Fire: $129
#2. NYCM: $129
#4. American Family: $140
#5. Progressive: $144

Impact of traffic violations on Poughkeepsie auto insurance rates

In Poughkeepsie, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer's policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in Poughkeepsie may differ from the national average due to regional risks and rules.

Here's a breakdown of average auto insurance rates in Poughkeepsie after common driving violations.

- No violation: $222
- Not-at-fault accident: $227
- Failure to wear a seat belt: $231
- Speeding 6 - 10 MPH over limit: $242
- Speeding 21 - 25 MPH over limit: $272
- DUI: $348
- Reckless driving: $313
- Driving with a suspended license: $337
- Leaving scene of an accident/hit and run: $353