Cheapest Car Insurance Quotes in Cumberland Head

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Cumberland Head Car Insurance

^$ 32

/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 Cumberland Head

The car insurance rate in Cumberland Head is $741 for a six-month policy, which is $288 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $397, making it a popular choice for budget-conscious drivers. Rates in Cumberland Head 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 Cumberland Head

$741

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Cumberland Head

1st place: Kemper

At $397 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 $526 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $531 for six months, making it the third cheapest auto insurance company in Cumberland Head.

Cumberland Head Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cumberland Head, NY is Kemper, offering policies at just $397 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $526.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1107 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cumberland Head drivers find the best deals.

Cheap Car Insurance Companies in Cumberland Head, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$397	$68
New York Central Mutual Fire	$526	$88
Progressive	$531	$89
American Family	$616	$104
NYCM	$646	$109
Erie	$774	$129
Nationwide	$778	$132
USAA	$783	$132
State Farm	$971	$163
Travelers	$1022	$172
Allstate	$1107	$186

Key Takeaways

Way's key takeaways about car insurance in Cumberland Head

The auto insurance costs in Cumberland Head fall around $397 for six months.
The cheapest auto insurance company in Cumberland Head is New York Central Mutual Fire.
Teen drivers pay the highest rate in Cumberland Head at $564 per month.

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Cheapest Minimum Liability Car Insurance in Cumberland Head

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 Cumberland Head are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Cumberland Head. Their Average 6 Month Premium is $188. Preferred Mutual is the most expensive at $496 for the same period.

Cheapest Liability Coverage in Cumberland Head, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$188	$32
NYCM	$197	$33
Kemper	$231	$38
Progressive	$274	$46
American Family	$278	$47
USAA	$338	$57
Nationwide	$359	$60
Erie	$454	$77
State Farm	$526	$89
Travelers	$564	$95
Allstate	$590	$99
Utica National	$410	$70
Preferred Mutual	$496	$83

Cheapest Full Coverage Car Insurance in Cumberland Head

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 Cumberland Head is Kemper at $68 per month and $397 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cumberland Head, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$397	$68
New York Central Mutual Fire	$526	$88
Progressive	$531	$89
American Family	$616	$104
NYCM	$646	$109
Erie	$774	$129
Nationwide	$778	$132
USAA	$783	$132
State Farm	$971	$163
Travelers	$1022	$172
Allstate	$1107	$186

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Average Car Insurance in Cumberland Head 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 Cumberland Head, NY increasing?

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

Car Insurance Premiums by Age in Cumberland Head

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	$405
30s	National Grange Mutual	$289
40s	National Grange Mutual	$278
50s	National Grange Mutual	$282
60s	National Grange Mutual	$304
70s	National Grange Mutual	$417

Cheapest Car Insurance Rates for Teen Drivers in Cumberland Head,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Cumberland Head at $45 per month. At $3353 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$269	$45
American Family	$325	$55
NYCM	$543	$91
Progressive	$860	$145
New York Central Mutual Fire	$937	$156
USAA	$1719	$289
Nationwide	$2246	$374
Travelers	$2780	$468
Allstate	$3007	$506
State Farm	$3353	$564

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 Cumberland Head.

As young drivers face the highest rates in Cumberland Head, National Grange Mutual offers the cheapest auto insurance rates at $405 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 Cumberland Head, Chubb is the cheapest car insurance provider. At $577 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 Cumberland Head is Progressive, offering rates of around $3725 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$577	$96
Kemper	$603	$102
Nationwide	$778	$130
USAA	$1078	$184
NYCM	$1125	$187
Erie	$1219	$207
American Family	$1433	$239
Allstate	$1467	$247
State Farm	$1518	$256
Mercury	$1783	$303
Travelers	$1822	$307
Progressive	$3725	$627

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Car Insurance Rates with An Accident in Cumberland Head

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

Cheapest Car Insurance Companies after an At-Fault Accident in Cumberland Head

The cheapest car insurance companies after an at-fault accident in Cumberland Head include Kemper and American Family, offering $333 and $342, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $415.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$333	$55
American Family	$342	$58
NYCM	$415	$70
Erie	$454	$77
Chubb	$500	$84
Progressive	$547	$92
New York Central Mutual Fire	$633	$106
USAA	$680	$114
Nationwide	$1022	$171
Allstate	$1031	$174
State Farm	$1245	$210
Travelers	$1266	$213
Utica National	$410	$70
Preferred Mutual	$415	$69

Cumberland Head Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cumberland Head NY. For example, the car insurance in Cumberland Head after a DUI increases to $514 for a six month policy. While the rate increases by $82 for a six-month policy in the case of a speeding ticket.

Cumberland Head auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$902	$150
One Med/PIP claim	$902	$153
One comp claim	$911	$152
Two comp claims	$919	$156
Two Med/PIP claims	$919	$153
Not-at-fault accident	$924	$157
Failure to show documents	$937	$156
Failure to wear a seat belt	$941	$160
Driving with expired registration	$950	$158
At-fault accident - less than $1000	$954	$162
Cell phone violation	$954	$159
Child safety restraint	$954	$162
Driving without lights	$954	$159
Failure to stop at a red light	$954	$162
Failure to yield	$954	$159
Following too closely	$954	$162
Illegal turn	$954	$159
Improper passing	$954	$162
Passing school bus	$954	$159
Texting while driving	$954	$162
Wrong way/wrong lane	$954	$159
Driving too slowly	$963	$163
Speeding in school zone	$963	$161
At-fault accident - $1000-$2000	$966	$164
Speeding 11 - 15 MPH over limit	$984	$164
Speeding 6 - 10 MPH over limit	$984	$167
Operating a vehicle without permission	$1001	$167
Open container	$1014	$172
In 65 MPH zone	$1056	$176
Speeding 16 - 20 MPH over limit	$1069	$182
Speeding 21 - 25 MPH over limit	$1107	$184
At-fault accident - greater than $2000	$1193	$203
Reckless driving	$1274	$212
Racing	$1326	$225
Driving with a suspended license	$1373	$229
Refusal to submit to a chemical test	$1403	$238
DUI	$1416	$236
Leaving scene of an accident/hit and run	$1437	$244

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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 Cumberland Head 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 Cumberland Head.

The cheapest car insurance premiums in Cumberland Head are offered by American Family at $325 for a six-month policy. However, it can be as expensive as $1450 with companies like State Farm.

Cumberland Head car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$325	$55
Kemper	$342	$58
Progressive	$415	$70
NYCM	$522	$88
New York Central Mutual Fire	$770	$128
USAA	$821	$138
Allstate	$1219	$205
Travelers	$1253	$211
Nationwide	$1270	$212
State Farm	$1450	$244

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 Cumberland Head are offered by American Family at $287. However, it can be as expensive as $1471 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Cumberland Head after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$287	$49
Kemper	$287	$48
Progressive	$355	$60
NYCM	$474	$79
USAA	$646	$110
Nationwide	$890	$148
State Farm	$963	$163
Travelers	$1407	$235
Allstate	$1471	$250

Car Insurance Price Trends in Cumberland Head, New York

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

The average cost of full coverage in the Cumberland Head dipped by $178 in December compared to $179 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 Cumberland Head dipped to $61 in December, compared to $63 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 Cumberland Head?

The car insurance in Cumberland Head is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Cumberland Head?

The cheapest car insurance in Cumberland Head is $68 per month for full coverage.

How much is car insurance in Cumberland Head for teenagers?

Car insurance for teenagers costs $269 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 Cumberland Head?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $125 per month to insure your car in Cumberland Head.

Is car insurance expensive in Cumberland Head?

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

Cheapest Car Insurance Quotes in Cumberland Head

Why you can trust Way?

How Much Is Car Insurance in Cumberland Head

Avg. Car Insurance in Cumberland Head

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Cumberland Head

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Cumberland Head Car Insurance Rates by Company

Cheap Car Insurance Companies in Cumberland Head, NY

Way's key takeaways about car insurance in Cumberland Head

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cumberland Head

Cheapest Liability Coverage in Cumberland Head, NY

Cheapest Full Coverage Car Insurance in Cumberland Head

Cheapest Full Coverage Car Insurance Quotes in Cumberland Head, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cumberland Head by Rating Factor

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

Car Insurance Premiums by Age in Cumberland Head

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cumberland Head,NY

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

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 Cumberland Head

Cheapest Car Insurance Companies after an At-Fault Accident in Cumberland Head

Cumberland Head Car Insurance Rates by Violation

Cumberland Head auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cumberland Head after a DUI

Cumberland Head car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cumberland Head after Speeding ticket

Car Insurance Price Trends in Cumberland Head, New York

Average Car Insurance Cost in Cumberland Head by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cumberland Head, NY

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

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