Cheapest Car Insurance Quotes in Coopers Plains

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Coopers Plains Car Insurance

^$ 30

/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 Coopers Plains

The car insurance rate in Coopers Plains is $710 for a six-month policy, which is $319 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $381, making it a popular choice for budget-conscious drivers. Rates in Coopers Plains 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 Coopers Plains

$710

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Coopers Plains

1st place: Kemper

At $381 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 $504 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $509 for six months, making it the third cheapest auto insurance company in Coopers Plains.

Coopers Plains Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Coopers Plains, NY is Kemper, offering policies at just $381 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $504.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1061 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Coopers Plains drivers find the best deals.

Cheap Car Insurance Companies in Coopers Plains, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$381	$65
New York Central Mutual Fire	$504	$84
Progressive	$509	$86
American Family	$590	$99
NYCM	$619	$104
Erie	$742	$124
Nationwide	$746	$127
USAA	$750	$126
State Farm	$930	$157
Travelers	$980	$165
Allstate	$1061	$179

Key Takeaways

Way's key takeaways about car insurance in Coopers Plains

The auto insurance costs in Coopers Plains fall around $381 for six months.
The cheapest auto insurance company in Coopers Plains is New York Central Mutual Fire.
Teen drivers pay the highest rate in Coopers Plains at $541 per month.

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Cheapest Minimum Liability Car Insurance in Coopers Plains

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 Coopers Plains are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Coopers Plains. Their Average 6 Month Premium is $180. Preferred Mutual is the most expensive at $475 for the same period.

Cheapest Liability Coverage in Coopers Plains, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$180	$30
NYCM	$188	$32
Kemper	$221	$37
Progressive	$262	$44
American Family	$266	$45
USAA	$324	$55
Nationwide	$344	$57
Erie	$435	$74
State Farm	$504	$85
Travelers	$541	$91
Allstate	$566	$95
Utica National	$393	$67
Preferred Mutual	$475	$79

Cheapest Full Coverage Car Insurance in Coopers Plains

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 Coopers Plains is Kemper at $65 per month and $381 for six months.

Cheapest Full Coverage Car Insurance Quotes in Coopers Plains, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$381	$65
New York Central Mutual Fire	$504	$84
Progressive	$509	$86
American Family	$590	$99
NYCM	$619	$104
Erie	$742	$124
Nationwide	$746	$127
USAA	$750	$126
State Farm	$930	$157
Travelers	$980	$165
Allstate	$1061	$179

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Average Car Insurance in Coopers Plains 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 Coopers Plains, NY increasing?

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

Car Insurance Premiums by Age in Coopers Plains

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	$388
30s	National Grange Mutual	$277
40s	National Grange Mutual	$266
50s	National Grange Mutual	$270
60s	National Grange Mutual	$291
70s	National Grange Mutual	$400

Cheapest Car Insurance Rates for Teen Drivers in Coopers Plains,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Coopers Plains at $43 per month. At $3213 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$258	$43
American Family	$311	$52
NYCM	$520	$88
Progressive	$824	$139
New York Central Mutual Fire	$898	$150
USAA	$1648	$277
Nationwide	$2152	$359
Travelers	$2664	$448
Allstate	$2881	$485
State Farm	$3213	$541

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 Coopers Plains.

As young drivers face the highest rates in Coopers Plains, National Grange Mutual offers the cheapest auto insurance rates at $388 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 Coopers Plains, Chubb is the cheapest car insurance provider. At $553 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 Coopers Plains is Progressive, offering rates of around $3570 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$553	$92
Kemper	$578	$98
Nationwide	$746	$124
USAA	$1033	$176
NYCM	$1078	$179
Erie	$1168	$199
American Family	$1373	$229
Allstate	$1406	$237
State Farm	$1455	$245
Mercury	$1709	$290
Travelers	$1746	$294
Progressive	$3570	$601

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Save up to $971/yr on car insurance rates in Coopers Plains.

Car Insurance Rates with An Accident in Coopers Plains

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

Cheapest Car Insurance Companies after an At-Fault Accident in Coopers Plains

The cheapest car insurance companies after an at-fault accident in Coopers Plains include Kemper and American Family, offering $319 and $328, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $397.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$319	$53
American Family	$328	$55
NYCM	$397	$67
Erie	$435	$74
Chubb	$480	$80
Progressive	$524	$88
New York Central Mutual Fire	$607	$101
USAA	$651	$110
Nationwide	$980	$164
Allstate	$988	$166
State Farm	$1193	$201
Travelers	$1213	$204
Utica National	$393	$67
Preferred Mutual	$397	$66

Coopers Plains Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Coopers Plains NY. For example, the car insurance in Coopers Plains after a DUI increases to $492 for a six month policy. While the rate increases by $78 for a six-month policy in the case of a speeding ticket.

Coopers Plains auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$865	$144
One Med/PIP claim	$865	$147
One comp claim	$873	$146
Two comp claims	$881	$150
Two Med/PIP claims	$881	$147
Not-at-fault accident	$885	$150
Failure to show documents	$898	$150
Failure to wear a seat belt	$902	$153
Driving with expired registration	$910	$152
At-fault accident - less than $1000	$914	$155
Cell phone violation	$914	$152
Child safety restraint	$914	$155
Driving without lights	$914	$152
Failure to stop at a red light	$914	$155
Failure to yield	$914	$152
Following too closely	$914	$155
Illegal turn	$914	$152
Improper passing	$914	$155
Passing school bus	$914	$152
Texting while driving	$914	$155
Wrong way/wrong lane	$914	$152
Driving too slowly	$923	$157
Speeding in school zone	$923	$154
At-fault accident - $1000-$2000	$926	$157
Speeding 11 - 15 MPH over limit	$943	$157
Speeding 6 - 10 MPH over limit	$943	$160
Operating a vehicle without permission	$959	$160
Open container	$972	$165
In 65 MPH zone	$1012	$169
Speeding 16 - 20 MPH over limit	$1025	$175
Speeding 21 - 25 MPH over limit	$1061	$177
At-fault accident - greater than $2000	$1143	$195
Reckless driving	$1221	$204
Racing	$1270	$216
Driving with a suspended license	$1316	$219
Refusal to submit to a chemical test	$1344	$228
DUI	$1357	$226
Leaving scene of an accident/hit and run	$1377	$234

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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 Coopers Plains 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 Coopers Plains.

The cheapest car insurance premiums in Coopers Plains are offered by American Family at $311 for a six-month policy. However, it can be as expensive as $1390 with companies like State Farm.

Coopers Plains car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$311	$52
Kemper	$328	$56
Progressive	$397	$67
NYCM	$500	$84
New York Central Mutual Fire	$738	$123
USAA	$787	$132
Allstate	$1168	$197
Travelers	$1201	$202
Nationwide	$1217	$203
State Farm	$1390	$234

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 Coopers Plains are offered by American Family at $275. However, it can be as expensive as $1410 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Coopers Plains after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$275	$47
Kemper	$275	$46
Progressive	$340	$57
NYCM	$455	$76
USAA	$619	$106
Nationwide	$853	$142
State Farm	$923	$157
Travelers	$1348	$225
Allstate	$1410	$239

Car Insurance Price Trends in Coopers Plains, New York

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

The average cost of full coverage in the Coopers Plains dipped by $170 in December compared to $171 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 Coopers Plains dipped to $59 in December, compared to $61 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 Coopers Plains?

The car insurance in Coopers Plains is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Coopers Plains?

The cheapest car insurance in Coopers Plains is $65 per month for full coverage.

How much is car insurance in Coopers Plains for teenagers?

Car insurance for teenagers costs $258 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 Coopers Plains?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $119 per month to insure your car in Coopers Plains.

Is car insurance expensive in Coopers Plains?

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

Cheapest Car Insurance Quotes in Coopers Plains

Why you can trust Way?

How Much Is Car Insurance in Coopers Plains

Avg. Car Insurance in Coopers Plains

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Coopers Plains

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Coopers Plains Car Insurance Rates by Company

Cheap Car Insurance Companies in Coopers Plains, NY

Way's key takeaways about car insurance in Coopers Plains

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Coopers Plains

Cheapest Liability Coverage in Coopers Plains, NY

Cheapest Full Coverage Car Insurance in Coopers Plains

Cheapest Full Coverage Car Insurance Quotes in Coopers Plains, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Coopers Plains by Rating Factor

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

Car Insurance Premiums by Age in Coopers Plains

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Coopers Plains,NY

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

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 Coopers Plains

Cheapest Car Insurance Companies after an At-Fault Accident in Coopers Plains

Coopers Plains Car Insurance Rates by Violation

Coopers Plains auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Coopers Plains after a DUI

Coopers Plains car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Coopers Plains after Speeding ticket

Car Insurance Price Trends in Coopers Plains, New York

Average Car Insurance Cost in Coopers Plains by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Coopers Plains, NY

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

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Data Sources