Cheapest Car Insurance Quotes in Richfield Springs

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Richfield Springs Car Insurance

^$ 37

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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 Richfield Springs

The car insurance rate in Richfield Springs is $961 for a six-month policy, which is $197 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $458, making it a popular choice for budget-conscious drivers. Rates in Richfield Springs 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 Richfield Springs

$961

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Richfield Springs

1st place: Kemper

At $458 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 $607 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $646 for six months, making it the third cheapest auto insurance company in Richfield Springs.

Richfield Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Richfield Springs, NY is Kemper, offering policies at just $458 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $607.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $1474 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Richfield Springs drivers find the best deals.

Cheap Car Insurance Companies in Richfield Springs, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$458	$78
New York Central Mutual Fire	$607	$101
Progressive	$646	$109
American Family	$710	$120
NYCM	$858	$144
USAA	$951	$160
Erie	$971	$164
Nationwide	$1060	$177
Travelers	$1080	$182
State Farm	$1287	$217
Allstate	$1439	$242
Chubb	$1474	$246

Key Takeaways

Way's key takeaways about car insurance in Richfield Springs

The auto insurance costs in Richfield Springs fall around $458 for six months.
The cheapest auto insurance company in Richfield Springs is New York Central Mutual Fire.
Teen drivers pay the highest rate in Richfield Springs at $741 per month.

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Cheapest Minimum Liability Car Insurance in Richfield Springs

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 Richfield Springs are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Richfield Springs. Their Average 6 Month Premium is $217. Preferred Mutual is the most expensive at $572 for the same period.

Cheapest Liability Coverage in Richfield Springs, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$217	$37
NYCM	$256	$42
Kemper	$266	$46
American Family	$320	$54
Progressive	$330	$56
USAA	$424	$71
Erie	$523	$89
Travelers	$562	$94
Allstate	$602	$102
State Farm	$641	$107
Nationwide	$414	$69
Utica National	$473	$81
Preferred Mutual	$572	$95

Cheapest Full Coverage Car Insurance in Richfield Springs

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 Richfield Springs is Kemper at $78 per month and $458 for six months.

Cheapest Full Coverage Car Insurance Quotes in Richfield Springs, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$458	$78
New York Central Mutual Fire	$607	$101
Progressive	$646	$109
American Family	$710	$120
NYCM	$858	$144
USAA	$951	$160
Erie	$971	$164
Nationwide	$1060	$177
Travelers	$1080	$182
State Farm	$1287	$217
Allstate	$1439	$242
Chubb	$1474	$246

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Average Car Insurance in Richfield Springs 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 Richfield Springs, NY increasing?

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

Car Insurance Premiums by Age in Richfield Springs

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

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Cheapest Car Insurance Rates for Teen Drivers in Richfield Springs,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Richfield Springs at $53 per month. At $4402 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$310	$53
American Family	$374	$63
NYCM	$828	$139
Progressive	$1021	$172
New York Central Mutual Fire	$1080	$183
Erie	$2076	$346
USAA	$2283	$384
Travelers	$3002	$505
Nationwide	$3126	$531
Chubb	$3274	$545
Allstate	$3767	$634
State Farm	$4402	$741

Teen Car Insurance Rates in NY by Age

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 Richfield Springs, Kemper is the cheapest car insurance provider. At $696 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 Richfield Springs is Progressive, offering rates of around $4166 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$696	$116
Nationwide	$1060	$180
Chubb	$1257	$212
USAA	$1528	$260
Erie	$1627	$274
American Family	$1652	$281
NYCM	$1849	$308
Allstate	$2016	$339
Mercury	$2056	$343
State Farm	$2125	$358
Travelers	$2460	$414
Progressive	$4166	$701

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Car Insurance Rates with An Accident in Richfield Springs

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

Cheapest Car Insurance Companies after an At-Fault Accident in Richfield Springs

The cheapest car insurance companies after an at-fault accident in Richfield Springs include Kemper and American Family, offering $384 and $394, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $478.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$384	$64
American Family	$394	$66
Progressive	$607	$102
NYCM	$617	$104
New York Central Mutual Fire	$730	$122
USAA	$828	$139
Erie	$1060	$178
Chubb	$1203	$203
Allstate	$1296	$218
Travelers	$1336	$225
Nationwide	$1400	$233
State Farm	$1637	$276
Utica National	$473	$81
Preferred Mutual	$478	$80

Richfield Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Richfield Springs NY. For example, the car insurance in Richfield Springs after a DUI increases to $592 for a six month policy. While the rate increases by $94 for a six-month policy in the case of a speeding ticket.

Richfield Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1040	$173
One Med/PIP claim	$1040	$177
One comp claim	$1050	$175
Two comp claims	$1060	$180
Two Med/PIP claims	$1060	$177
Not-at-fault accident	$1065	$181
Failure to show documents	$1080	$180
Failure to wear a seat belt	$1085	$184
Driving with expired registration	$1095	$183
At-fault accident - less than $1000	$1100	$187
Cell phone violation	$1100	$183
Child safety restraint	$1100	$187
Driving without lights	$1100	$183
Failure to stop at a red light	$1100	$187
Failure to yield	$1100	$183
Following too closely	$1100	$187
Illegal turn	$1100	$183
Improper passing	$1100	$187
Passing school bus	$1100	$183
Texting while driving	$1100	$187
Wrong way/wrong lane	$1100	$183
Driving too slowly	$1110	$188
Speeding in school zone	$1110	$185
At-fault accident - $1000-$2000	$1114	$189
Speeding 11 - 15 MPH over limit	$1134	$189
Speeding 6 - 10 MPH over limit	$1134	$193
Operating a vehicle without permission	$1154	$193
Open container	$1169	$198
In 65 MPH zone	$1218	$203
Speeding 16 - 20 MPH over limit	$1233	$210
Speeding 21 - 25 MPH over limit	$1277	$212
At-fault accident - greater than $2000	$1375	$234
Reckless driving	$1469	$245
Racing	$1528	$260
Driving with a suspended license	$1583	$264
Refusal to submit to a chemical test	$1617	$275
DUI	$1632	$272
Leaving scene of an accident/hit and run	$1657	$281

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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 Richfield Springs 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 Richfield Springs.

The cheapest car insurance premiums in Richfield Springs are offered by American Family at $374 for a six-month policy. However, it can be as expensive as $1849 with companies like Chubb.

Richfield Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$374	$63
Kemper	$394	$67
Progressive	$508	$85
NYCM	$769	$129
New York Central Mutual Fire	$887	$148
USAA	$1011	$170
Travelers	$1321	$222
Allstate	$1563	$263
Erie	$1612	$269
Nationwide	$1750	$298
State Farm	$1839	$310
Chubb	$1849	$315

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 Richfield Springs are offered by American Family at $330. However, it can be as expensive as $2105 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Richfield Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$330	$55
Kemper	$330	$56
Progressive	$478	$81
NYCM	$774	$132
USAA	$897	$149
Erie	$1050	$178
Nationwide	$1060	$177
Travelers	$1223	$208
State Farm	$1479	$247
Chubb	$1750	$298
Allstate	$2105	$351

Car Insurance Price Trends in Richfield Springs, New York

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

The average cost of full coverage in the Richfield Springs rose by $228 in January compared to $205 of December. In other words, there has been an increase by $23 when you compare January and December.

The average cost of liability insurance in the Richfield Springs dipped to $66 in January, compared to $71 in December. This represents an decrease of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Richfield Springs?

The car insurance in Richfield Springs is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Richfield Springs?

The cheapest car insurance in Richfield Springs is $78 per month for full coverage.

How much is car insurance in Richfield Springs for teenagers?

Car insurance for teenagers costs $310 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 Richfield Springs?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $161 per month to insure your car in Richfield Springs.

Is car insurance expensive in Richfield Springs?

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

Cheapest Car Insurance Quotes in Richfield Springs

Why you can trust Way?

How Much Is Car Insurance in Richfield Springs

Avg. Car Insurance in Richfield Springs

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Richfield Springs

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Richfield Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Richfield Springs, NY

Way's key takeaways about car insurance in Richfield Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Richfield Springs

Cheapest Liability Coverage in Richfield Springs, NY

Cheapest Full Coverage Car Insurance in Richfield Springs

Cheapest Full Coverage Car Insurance Quotes in Richfield Springs, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Richfield Springs by Rating Factor

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

Car Insurance Premiums by Age in Richfield Springs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Richfield Springs,NY

If you are in your twenties N/A is the best choice for car insurance in Richfield Springs.

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 Richfield Springs

Cheapest Car Insurance Companies after an At-Fault Accident in Richfield Springs

Richfield Springs Car Insurance Rates by Violation

Richfield Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Richfield Springs after a DUI

Richfield Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Richfield Springs after Speeding ticket

Car Insurance Price Trends in Richfield Springs, New York

Average Car Insurance Cost in Richfield Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Richfield Springs, NY

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

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