Cheapest Car Insurance Quotes in Cold Spring

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406,175 Policies Sold

Cold Spring Car Insurance

^$ 24

/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 Cold Spring

The car insurance rate in Cold Spring is $963 for a six-month policy, which is $19 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $527, making it a popular choice for budget-conscious drivers. Rates in Cold Spring 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 Cold Spring

$963

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Cold Spring

1st place: Iowa Farm Bureau

At $527 for a six month policy, Iowa Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $533 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $533 for six months, making it the third cheapest auto insurance company in Cold Spring.

Cold Spring Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cold Spring, MN is Iowa Farm Bureau, offering policies at just $527 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $533.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1733 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cold Spring drivers find the best deals.

Cheap Car Insurance Companies in Cold Spring, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$527	$90
Auto-Owners Insurance Co	$533	$89
Westfield	$533	$91
American Family	$557	$94
West Bend Mutual	$691	$116
Travelers	$740	$124
Nationwide	$818	$139
USAA	$855	$144
AAA	$884	$149
Auto-Owners	$946	$159
West Bend	$1018	$173
State Farm	$1066	$180
Western National	$1375	$234
Allstate	$1442	$243
North Star Mutual	$1690	$288
Farmers	$1733	$289

Key Takeaways

Way's key takeaways about car insurance in Cold Spring

The auto insurance costs in Cold Spring fall around $527 for six months.
The cheapest auto insurance company in Cold Spring is Westfield.
Teen drivers pay the highest rate in Cold Spring at $1041 per month.

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Cheapest Minimum Liability Car Insurance in Cold Spring

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 Cold Spring are given below.

Westfield provides the cheapest minimum car insurance coverage in Cold Spring. Their Average 6 Month Premium is $146. Nationwide is the most expensive at $315 for the same period.

Cheapest Liability Coverage in Cold Spring, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$146	$24
West Bend Mutual	$206	$35
North Star Mutual Insurance	$224	$38
USAA	$243	$41
Auto-Owners Insurance Co	$254	$43
Iowa Farm Bureau	$254	$43
West Bend	$254	$43
Farmers Union Insurance	$260	$44
Auto-Owners	$266	$45
North Star Mutual	$266	$45
AAA	$297	$50
American Family	$297	$50
Travelers	$297	$50
State Farm	$321	$54
Western National	$340	$57
Allstate	$497	$84
Farmers	$703	$119
Nationwide	$315	$52

Cheapest Full Coverage Car Insurance in Cold Spring

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 Cold Spring is Iowa Farm Bureau at $90 per month and $527 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cold Spring, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$527	$90
Auto-Owners Insurance Co	$533	$89
Westfield	$533	$91
American Family	$557	$94
West Bend Mutual	$691	$116
Travelers	$740	$124
Nationwide	$818	$139
USAA	$855	$144
AAA	$884	$149
Auto-Owners	$946	$159
West Bend	$1018	$173
State Farm	$1066	$180
Western National	$1375	$234
Allstate	$1442	$243
North Star Mutual	$1690	$288
Farmers	$1733	$289

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Average Car Insurance in Cold Spring 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 Cold Spring, MN increasing?

Despite maintaining a clean driving record, your car insurance rates in Cold Spring, Minnesota, may be increasing due to several external factors. Minnesota has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Cold Spring's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Cold Spring

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	Farm Bureau Mutual	$667
30s	Farm Bureau Mutual	$476
40s	Farm Bureau Mutual	$471
50s	Farm Bureau Mutual	$397
60s	Farm Bureau Mutual	$406
70s	Farm Bureau Mutual	$476

Cheapest Car Insurance Rates for Teen Drivers in Cold Spring,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Cold Spring at $30 per month. At $6246 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$175	$30
North Star Mutual Insurance	$243	$41
Auto-Owners Insurance Co	$260	$44
Iowa Farm Bureau	$266	$45
Farmers Union Insurance	$278	$47
Umialik	$346	$57
American Family	$946	$159
Travelers	$1061	$179
Auto-Owners	$1387	$234
USAA	$1418	$239
State Farm	$2114	$356
AAA	$2133	$359
Allstate	$3399	$572
North Star Mutual	$3563	$594
Western National	$3963	$674
Farmers	$6246	$1041

Teen Car Insurance Rates in MN by Age

Way Tip

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in Cold Spring.

As young drivers face the highest rates in Cold Spring, Farm Bureau Mutual offers the cheapest auto insurance rates at $667 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 Cold Spring, West Bend Mutual is the cheapest car insurance provider. At $260 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 Cold Spring is State Farm, offering rates of around $6914 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$260	$44
Westfield	$321	$53
Farmers Union Insurance	$357	$61
Iowa Farm Bureau	$503	$84
American Family	$515	$88
USAA	$1684	$281
AAA	$1878	$316
Travelers	$2417	$403
North Star Mutual	$2799	$476
Auto-Owners	$2920	$487
Farmers	$3211	$546
Western National	$3357	$559
Allstate	$4023	$684
State Farm	$6914	$1153

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Car Insurance Rates with An Accident in Cold Spring

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 Cold Spring, MN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Cold Spring

The cheapest car insurance companies after an at-fault accident in Cold Spring include Westfield and Umialik, offering $212 and $266, respectively. Nationwide is an expensive provider with an average six-month premium of $418.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$212	$36
Umialik	$266	$45
Iowa Farm Bureau	$327	$54
Auto-Owners Insurance Co	$346	$59
Farmers Union Insurance	$352	$58
West Bend Mutual	$357	$61
North Star Mutual Insurance	$412	$68
Encompass	$449	$77
American Family	$630	$106
Western National	$655	$110
Auto-Owners	$703	$118
State Farm	$727	$122
Travelers	$812	$137
USAA	$872	$147
AAA	$1381	$233
North Star Mutual	$1636	$275
Farmers	$2551	$425
Allstate	$2642	$445
Nationwide	$418	$69

Cold Spring Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cold Spring MN. For example, the car insurance in Cold Spring after a DUI increases to $1115 for a six month policy. While the rate increases by $230 for a six-month policy in the case of a speeding ticket.

Cold Spring auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1042	$173
One Med/PIP claim	$1055	$180
Not-at-fault accident	$1072	$179
One comp claim	$1109	$189
Two Med/PIP claims	$1109	$185
Two comp claims	$1158	$197
Failure to wear a seat belt	$1187	$198
Failure to show documents	$1206	$205
Child safety restraint	$1224	$204
Driving without lights	$1224	$208
Driving with expired registration	$1248	$208
Cell phone violation	$1272	$216
Speeding 6 - 10 MPH over limit	$1272	$212
Texting while driving	$1272	$216
Following too closely	$1284	$214
Driving too slowly	$1290	$219
Failure to yield	$1290	$215
Illegal turn	$1290	$219
Speeding in school zone	$1290	$215
Wrong way/wrong lane	$1290	$219
Failure to stop at a red light	$1296	$216
Improper passing	$1296	$220
Speeding 11 - 15 MPH over limit	$1303	$217
Speeding 16 - 20 MPH over limit	$1315	$223
At-fault accident - less than $1000	$1345	$224
Passing school bus	$1345	$228
In 65 MPH zone	$1352	$225
Operating a vehicle without permission	$1358	$231
Speeding 21 - 25 MPH over limit	$1399	$234
At-fault accident - $1000-$2000	$1496	$254
Open container	$1502	$251
At-fault accident - greater than $2000	$1533	$261
Reckless driving	$1878	$313
Racing	$1939	$329
Driving with a suspended license	$2060	$344
Refusal to submit to a chemical test	$2084	$354
DUI	$2157	$359
Leaving scene of an accident/hit and run	$2236	$380

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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 Cold Spring 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 Cold Spring.

The cheapest car insurance premiums in Cold Spring are offered by Umialik at $266 for a six-month policy. However, it can be as expensive as $4841 with companies like AAA.

Cold Spring car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$266	$45
West Bend Mutual	$278	$47
Farmers Union Insurance	$334	$55
Westfield	$375	$64
Iowa Farm Bureau	$491	$82
Country Financial	$521	$89
Auto-Owners Insurance Co	$557	$93
American Family	$588	$99
Western National	$830	$140
Travelers	$836	$141
State Farm	$1066	$180
USAA	$1152	$194
Auto-Owners	$1187	$200
Farmers	$2587	$440
Allstate	$2745	$462
North Star Mutual	$4835	$822
AAA	$4841	$807

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 Cold Spring are offered by Westfield at $175. However, it can be as expensive as $3036 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Cold Spring after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$175	$30
Iowa Farm Bureau	$278	$47
West Bend Mutual	$278	$47
Auto-Owners Insurance Co	$291	$49
American Family	$309	$51
Farmers Union Insurance	$315	$54
State Farm	$666	$112
Western National	$830	$140
USAA	$878	$147
Auto-Owners	$969	$165
Travelers	$1055	$175
North Star Mutual	$1690	$288
Farmers	$2175	$362
AAA	$2254	$384
Allstate	$3036	$506

Car Insurance Price Trends in Cold Spring, Minnesota

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

The average cost of full coverage in the Cold Spring rose by $219 in January compared to $181 of December. In other words, there has been an increase by $38 when you compare January and December.

The average cost of liability insurance in the Cold Spring rose to $52 in January, compared to $50 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Cold Spring?

The car insurance in Cold Spring is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Cold Spring?

The cheapest car insurance in Cold Spring is $90 per month for full coverage.

How much is car insurance in Cold Spring for teenagers?

Car insurance for teenagers costs $175 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 Cold Spring?

The average cost of car insurance is $944 for a six-month policy. It will cost around $162 per month to insure your car in Cold Spring.

Is car insurance expensive in Cold Spring?

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

Cheapest Car Insurance Quotes in Cold Spring

Why you can trust Way?

How Much Is Car Insurance in Cold Spring

Avg. Car Insurance in Cold Spring

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Cold Spring

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Cold Spring Car Insurance Rates by Company

Cheap Car Insurance Companies in Cold Spring, MN

Way's key takeaways about car insurance in Cold Spring

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cold Spring

Cheapest Liability Coverage in Cold Spring, MN

Cheapest Full Coverage Car Insurance in Cold Spring

Cheapest Full Coverage Car Insurance Quotes in Cold Spring, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cold Spring by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Cold Spring, MN increasing?

Car Insurance Premiums by Age in Cold Spring

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cold Spring,MN

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in Cold Spring.

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 Cold Spring

Cheapest Car Insurance Companies after an At-Fault Accident in Cold Spring

Cold Spring Car Insurance Rates by Violation

Cold Spring auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cold Spring after a DUI

Cold Spring car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cold Spring after Speeding ticket

Car Insurance Price Trends in Cold Spring, Minnesota

Average Car Insurance Cost in Cold Spring by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cold Spring, MN

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

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