Cheapest Car Insurance Quotes in Cold Spring

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Cold Spring Car Insurance

^$ 51

/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 $1204 for a six-month policy, which is $175 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $646, 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

$1204

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Cold Spring

1st place: Kemper

At $646 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 $855 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $862 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, NY is Kemper, offering policies at just $646 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $855.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1799 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, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$646	$110
New York Central Mutual Fire	$855	$143
Progressive	$862	$145
American Family	$1000	$168
NYCM	$1049	$177
Erie	$1258	$209
Nationwide	$1265	$215
USAA	$1272	$214
State Farm	$1577	$266
Travelers	$1661	$280
Allstate	$1799	$303

Key Takeaways

Way's key takeaways about car insurance in Cold Spring

The auto insurance costs in Cold Spring fall around $646 for six months.
The cheapest auto insurance company in Cold Spring is New York Central Mutual Fire.
Teen drivers pay the highest rate in Cold Spring at $917 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.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Cold Spring. Their Average 6 Month Premium is $305. Preferred Mutual is the most expensive at $806 for the same period.

Cheapest Liability Coverage in Cold Spring, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$305	$51
NYCM	$319	$54
Kemper	$376	$62
Progressive	$445	$75
American Family	$452	$76
USAA	$549	$92
Nationwide	$584	$97
Erie	$737	$125
State Farm	$855	$144
Travelers	$917	$154
Allstate	$959	$161
Utica National	$667	$113
Preferred Mutual	$806	$135

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 Kemper at $110 per month and $646 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cold Spring, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$646	$110
New York Central Mutual Fire	$855	$143
Progressive	$862	$145
American Family	$1000	$168
NYCM	$1049	$177
Erie	$1258	$209
Nationwide	$1265	$215
USAA	$1272	$214
State Farm	$1577	$266
Travelers	$1661	$280
Allstate	$1799	$303

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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, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Cold Spring, 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 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	National Grange Mutual	$659
30s	National Grange Mutual	$469
40s	National Grange Mutual	$452
50s	National Grange Mutual	$459
60s	National Grange Mutual	$494
70s	National Grange Mutual	$677

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

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Cold Spring at $73 per month. At $5449 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$438	$73
American Family	$528	$89
NYCM	$882	$149
Progressive	$1397	$235
New York Central Mutual Fire	$1522	$254
USAA	$2794	$470
Nationwide	$3649	$608
Travelers	$4517	$761
Allstate	$4886	$823
State Farm	$5449	$917

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 Spring.

As young drivers face the highest rates in Cold Spring, National Grange Mutual offers the cheapest auto insurance rates at $659 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, Chubb is the cheapest car insurance provider. At $938 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 Progressive, offering rates of around $6054 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$938	$157
Kemper	$980	$166
Nationwide	$1265	$211
USAA	$1751	$298
NYCM	$1828	$304
Erie	$1981	$337
American Family	$2328	$388
Allstate	$2383	$401
State Farm	$2468	$415
Mercury	$2898	$493
Travelers	$2960	$498
Progressive	$6054	$1019

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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, NY, 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 Kemper and American Family, offering $542 and $556, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $674.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$542	$90
American Family	$556	$94
NYCM	$674	$113
Erie	$737	$125
Chubb	$813	$136
Progressive	$889	$150
New York Central Mutual Fire	$1028	$172
USAA	$1104	$186
Nationwide	$1661	$277
Allstate	$1675	$282
State Farm	$2023	$340
Travelers	$2057	$346
Utica National	$667	$113
Preferred Mutual	$674	$112

Cold Spring Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cold Spring NY. For example, the car insurance in Cold Spring after a DUI increases to $834 for a six month policy. While the rate increases by $132 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	$1466	$245
One Med/PIP claim	$1466	$249
One comp claim	$1480	$247
Two comp claims	$1494	$254
Two Med/PIP claims	$1494	$249
Not-at-fault accident	$1501	$255
Failure to show documents	$1522	$254
Failure to wear a seat belt	$1529	$260
Driving with expired registration	$1543	$257
At-fault accident - less than $1000	$1550	$263
Cell phone violation	$1550	$259
Child safety restraint	$1550	$263
Driving without lights	$1550	$259
Failure to stop at a red light	$1550	$263
Failure to yield	$1550	$259
Following too closely	$1550	$263
Illegal turn	$1550	$259
Improper passing	$1550	$263
Passing school bus	$1550	$259
Texting while driving	$1550	$263
Wrong way/wrong lane	$1550	$259
Driving too slowly	$1564	$266
Speeding in school zone	$1564	$261
At-fault accident - $1000-$2000	$1570	$267
Speeding 11 - 15 MPH over limit	$1598	$267
Speeding 6 - 10 MPH over limit	$1598	$271
Operating a vehicle without permission	$1626	$271
Open container	$1647	$280
In 65 MPH zone	$1716	$287
Speeding 16 - 20 MPH over limit	$1737	$296
Speeding 21 - 25 MPH over limit	$1799	$300
At-fault accident - greater than $2000	$1939	$330
Reckless driving	$2071	$345
Racing	$2154	$366
Driving with a suspended license	$2231	$372
Refusal to submit to a chemical test	$2279	$387
DUI	$2300	$384
Leaving scene of an accident/hit and run	$2335	$397

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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 American Family at $528 for a six-month policy. However, it can be as expensive as $2356 with companies like State Farm.

Cold Spring car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$528	$89
Kemper	$556	$95
Progressive	$674	$113
NYCM	$848	$143
New York Central Mutual Fire	$1251	$208
USAA	$1334	$225
Allstate	$1981	$333
Travelers	$2036	$343
Nationwide	$2064	$344
State Farm	$2356	$397

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 American Family at $466. However, it can be as expensive as $2390 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
American Family	$466	$80
Kemper	$466	$77
Progressive	$577	$97
NYCM	$771	$129
USAA	$1049	$179
Nationwide	$1446	$241
State Farm	$1564	$266
Travelers	$2286	$381
Allstate	$2390	$406

Car Insurance Price Trends in Cold Spring, New York

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 dipped by $289 in December compared to $290 of November. In other words, there has been an decrease by $1 when you compare December and November.

The average cost of liability insurance in the Cold Spring dipped to $99 in December, compared to $103 in November. This represents an decrease of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Cold Spring?

The car insurance in Cold Spring is $51 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 $110 per month for full coverage.

How much is car insurance in Cold Spring for teenagers?

Car insurance for teenagers costs $438 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 $1029 for a six-month policy. It will cost around $202 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 New York

National Average

Cheapest Car Insurance Companies in Cold Spring

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Cold Spring Car Insurance Rates by Company

Cheap Car Insurance Companies in Cold Spring, NY

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, NY

Cheapest Full Coverage Car Insurance in Cold Spring

Cheapest Full Coverage Car Insurance Quotes in Cold Spring, NY

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, NY 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,NY

If you are in your twenties National Grange 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, New York

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, NY

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

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