Cheapest Car Insurance Quotes in Cold Brook

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Cold Brook Car Insurance

^$ 35

/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 Brook

The car insurance rate in Cold Brook is $823 for a six-month policy, which is $206 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $442, making it a popular choice for budget-conscious drivers. Rates in Cold Brook 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 Brook

$823

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Cold Brook

1st place: Kemper

At $442 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 $585 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $590 for six months, making it the third cheapest auto insurance company in Cold Brook.

Cold Brook Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cold Brook, NY is Kemper, offering policies at just $442 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $585.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1230 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cold Brook drivers find the best deals.

Cheap Car Insurance Companies in Cold Brook, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$442	$75
New York Central Mutual Fire	$585	$98
Progressive	$590	$99
American Family	$684	$115
NYCM	$718	$121
Erie	$860	$143
Nationwide	$865	$147
USAA	$870	$146
State Farm	$1078	$182
Travelers	$1136	$191
Allstate	$1230	$207

Key Takeaways

Way's key takeaways about car insurance in Cold Brook

The auto insurance costs in Cold Brook fall around $442 for six months.
The cheapest auto insurance company in Cold Brook is New York Central Mutual Fire.
Teen drivers pay the highest rate in Cold Brook at $627 per month.

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Cheapest Minimum Liability Car Insurance in Cold Brook

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 Brook are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Cold Brook. Their Average 6 Month Premium is $209. Preferred Mutual is the most expensive at $551 for the same period.

Cheapest Liability Coverage in Cold Brook, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$209	$35
NYCM	$218	$37
Kemper	$257	$42
Progressive	$304	$51
American Family	$309	$52
USAA	$375	$63
Nationwide	$399	$66
Erie	$504	$86
State Farm	$585	$98
Travelers	$627	$106
Allstate	$656	$110
Utica National	$456	$78
Preferred Mutual	$551	$92

Cheapest Full Coverage Car Insurance in Cold Brook

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 Brook is Kemper at $75 per month and $442 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cold Brook, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$442	$75
New York Central Mutual Fire	$585	$98
Progressive	$590	$99
American Family	$684	$115
NYCM	$718	$121
Erie	$860	$143
Nationwide	$865	$147
USAA	$870	$146
State Farm	$1078	$182
Travelers	$1136	$191
Allstate	$1230	$207

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Average Car Insurance in Cold Brook 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 Brook, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Cold Brook, 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, Cold Brook'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 Brook

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	$450
30s	National Grange Mutual	$321
40s	National Grange Mutual	$309
50s	National Grange Mutual	$314
60s	National Grange Mutual	$338
70s	National Grange Mutual	$463

Cheapest Car Insurance Rates for Teen Drivers in Cold Brook,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Cold Brook at $50 per month. At $3726 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$299	$50
American Family	$361	$61
NYCM	$603	$102
Progressive	$955	$161
New York Central Mutual Fire	$1041	$174
USAA	$1910	$322
Nationwide	$2495	$416
Travelers	$3089	$520
Allstate	$3341	$562
State Farm	$3726	$627

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 Cold Brook.

As young drivers face the highest rates in Cold Brook, National Grange Mutual offers the cheapest auto insurance rates at $450 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 Brook, Chubb is the cheapest car insurance provider. At $642 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 Brook is Progressive, offering rates of around $4139 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$642	$107
Kemper	$670	$114
Nationwide	$865	$144
USAA	$1198	$204
NYCM	$1250	$208
Erie	$1354	$230
American Family	$1592	$266
Allstate	$1630	$274
State Farm	$1687	$284
Mercury	$1982	$337
Travelers	$2024	$341
Progressive	$4139	$697

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Car Insurance Rates with An Accident in Cold Brook

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

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

The cheapest car insurance companies after an at-fault accident in Cold Brook include Kemper and American Family, offering $370 and $380, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $461.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$370	$62
American Family	$380	$64
NYCM	$461	$78
Erie	$504	$86
Chubb	$556	$93
Progressive	$608	$102
New York Central Mutual Fire	$703	$118
USAA	$755	$127
Nationwide	$1136	$190
Allstate	$1146	$193
State Farm	$1383	$233
Travelers	$1406	$237
Utica National	$456	$78
Preferred Mutual	$461	$77

Cold Brook Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cold Brook NY. For example, the car insurance in Cold Brook after a DUI increases to $571 for a six month policy. While the rate increases by $91 for a six-month policy in the case of a speeding ticket.

Cold Brook auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1002	$167
One Med/PIP claim	$1002	$170
One comp claim	$1012	$169
Two comp claims	$1022	$174
Two Med/PIP claims	$1022	$170
Not-at-fault accident	$1026	$174
Failure to show documents	$1041	$174
Failure to wear a seat belt	$1046	$178
Driving with expired registration	$1055	$176
At-fault accident - less than $1000	$1060	$180
Cell phone violation	$1060	$177
Child safety restraint	$1060	$180
Driving without lights	$1060	$177
Failure to stop at a red light	$1060	$180
Failure to yield	$1060	$177
Following too closely	$1060	$180
Illegal turn	$1060	$177
Improper passing	$1060	$180
Passing school bus	$1060	$177
Texting while driving	$1060	$180
Wrong way/wrong lane	$1060	$177
Driving too slowly	$1070	$182
Speeding in school zone	$1070	$178
At-fault accident - $1000-$2000	$1074	$182
Speeding 11 - 15 MPH over limit	$1093	$182
Speeding 6 - 10 MPH over limit	$1093	$186
Operating a vehicle without permission	$1112	$186
Open container	$1126	$191
In 65 MPH zone	$1174	$196
Speeding 16 - 20 MPH over limit	$1188	$202
Speeding 21 - 25 MPH over limit	$1230	$205
At-fault accident - greater than $2000	$1326	$226
Reckless driving	$1416	$236
Racing	$1473	$250
Driving with a suspended license	$1526	$254
Refusal to submit to a chemical test	$1558	$265
DUI	$1573	$262
Leaving scene of an accident/hit and run	$1597	$271

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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 Brook 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 Brook.

The cheapest car insurance premiums in Cold Brook are offered by American Family at $361 for a six-month policy. However, it can be as expensive as $1611 with companies like State Farm.

Cold Brook car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$361	$61
Kemper	$380	$65
Progressive	$461	$78
NYCM	$580	$98
New York Central Mutual Fire	$855	$142
USAA	$912	$154
Allstate	$1354	$228
Travelers	$1392	$234
Nationwide	$1411	$235
State Farm	$1611	$271

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 Brook are offered by American Family at $318. However, it can be as expensive as $1634 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Cold Brook after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$318	$54
Kemper	$318	$53
Progressive	$394	$66
NYCM	$527	$88
USAA	$718	$122
Nationwide	$989	$165
State Farm	$1070	$182
Travelers	$1563	$261
Allstate	$1634	$278

Car Insurance Price Trends in Cold Brook, New York

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

The average cost of full coverage in the Cold Brook remained steady at $198 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Cold Brook dipped to $68 in December, compared to $70 in November. This represents an decrease of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Cold Brook?

The car insurance in Cold Brook is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Cold Brook?

The cheapest car insurance in Cold Brook is $75 per month for full coverage.

How much is car insurance in Cold Brook for teenagers?

Car insurance for teenagers costs $299 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 Brook?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $138 per month to insure your car in Cold Brook.

Is car insurance expensive in Cold Brook?

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

Cheapest Car Insurance Quotes in Cold Brook

Why you can trust Way?

How Much Is Car Insurance in Cold Brook

Avg. Car Insurance in Cold Brook

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Cold Brook

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Cold Brook Car Insurance Rates by Company

Cheap Car Insurance Companies in Cold Brook, NY

Way's key takeaways about car insurance in Cold Brook

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cold Brook

Cheapest Liability Coverage in Cold Brook, NY

Cheapest Full Coverage Car Insurance in Cold Brook

Cheapest Full Coverage Car Insurance Quotes in Cold Brook, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cold Brook by Rating Factor

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

Car Insurance Premiums by Age in Cold Brook

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cold Brook,NY

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

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 Brook

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

Cold Brook Car Insurance Rates by Violation

Cold Brook auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cold Brook after a DUI

Cold Brook car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cold Brook after Speeding ticket

Car Insurance Price Trends in Cold Brook, New York

Average Car Insurance Cost in Cold Brook by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cold Brook, NY

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

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