We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in West Coxsackie shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 West Coxsackie
The car insurance rate in West Coxsackie is $967 for a six-month policy, which is $62 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $519, making it a popular choice for budget-conscious drivers. Rates in West Coxsackie 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.
Cheapest Car Insurance Companies in West Coxsackie
1st place: Kemper
At $519 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 $687 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $693
for six months, making it
the third cheapest auto insurance company in West Coxsackie.
West Coxsackie Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in West Coxsackie, NY is Kemper, offering policies at just $519 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $687.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1446 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Coxsackie drivers find the best deals.
Cheap Car Insurance Companies in West Coxsackie, NY
Way's key takeaways about car insurance in West Coxsackie
The auto insurance costs in West Coxsackie fall around $519 for six
months.
The cheapest auto insurance company in West Coxsackie is New York Central Mutual Fire.
Teen drivers pay the highest rate in West Coxsackie at $737 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in West Coxsackie
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 West Coxsackie are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in West Coxsackie. Their Average 6 Month Premium is $245.
Preferred Mutual is the most
expensive at $648 for the same
period.
Cheapest Full Coverage Car Insurance in West Coxsackie
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 West Coxsackie is Kemper
at $88 per month and $519
for six months.
Cheapest Full Coverage Car Insurance Quotes in West Coxsackie,
NY
Get Your Car Insurance Quote in West Coxsackie
Instantly!
Average Car Insurance in West Coxsackie 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 West Coxsackie, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in West Coxsackie, 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, West Coxsackie's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in West Coxsackie
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
$529
30s
National Grange Mutual
$377
40s
National Grange Mutual
$363
50s
National Grange Mutual
$368
60s
National Grange Mutual
$397
70s
National Grange Mutual
$544
Cheapest Car Insurance Rates for Teen Drivers in
West Coxsackie,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the West Coxsackie at $58
per
month. At $4378 for a six-month premium,
State Farm offers the most expensive rate for
teen drivers.
If you are in your twenties National Grange Mutual is
the best choice for car
insurance in West Coxsackie.
As young drivers face the highest rates in West Coxsackie, National Grange Mutual
offers the cheapest auto insurance rates at $529 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 West Coxsackie,
Chubb is
the cheapest car insurance provider. At $754 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
West Coxsackie is Progressive, offering
rates of around $4864 for six
months.
Save up to $971/yr on car insurance rates in West Coxsackie.
Car Insurance Rates with An Accident in West Coxsackie
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 West Coxsackie, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in West Coxsackie
The cheapest car insurance companies after an at-fault accident in
West Coxsackie include Kemper
and American Family, offering $435
and $447,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$541.
Here is a list of driving violations that can increase your car
insurance rates in West Coxsackie NY. For example, the car
insurance in West Coxsackie
after a DUI increases to $670 for a six
month policy. While the rate increases by $106 for a six-month policy in the case of
a speeding ticket.
West Coxsackie auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1178
$196
One Med/PIP claim
$1178
$200
One comp claim
$1189
$198
Two comp claims
$1200
$204
Two Med/PIP claims
$1200
$200
Not-at-fault accident
$1206
$205
Failure to show documents
$1223
$204
Failure to wear a seat belt
$1229
$209
Driving with expired registration
$1240
$207
At-fault accident - less than $1000
$1246
$212
Cell phone violation
$1246
$208
Child safety restraint
$1246
$212
Driving without lights
$1246
$208
Failure to stop at a red light
$1246
$212
Failure to yield
$1246
$208
Following too closely
$1246
$212
Illegal turn
$1246
$208
Improper passing
$1246
$212
Passing school bus
$1246
$208
Texting while driving
$1246
$212
Wrong way/wrong lane
$1246
$208
Driving too slowly
$1257
$213
Speeding in school zone
$1257
$210
At-fault accident - $1000-$2000
$1261
$214
Speeding 11 - 15 MPH over limit
$1284
$214
Speeding 6 - 10 MPH over limit
$1284
$218
Operating a vehicle without permission
$1307
$218
Open container
$1324
$225
In 65 MPH zone
$1379
$230
Speeding 16 - 20 MPH over limit
$1396
$238
Speeding 21 - 25 MPH over limit
$1446
$241
At-fault accident - greater than $2000
$1558
$265
Reckless driving
$1664
$277
Racing
$1731
$294
Driving with a suspended license
$1793
$299
Refusal to submit to a chemical test
$1831
$311
DUI
$1848
$308
Leaving scene of an accident/hit and run
$1876
$319
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 West Coxsackie 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 West Coxsackie.
The cheapest car insurance premiums in
West Coxsackie are
offered by American Family at $424 for a six-month policy.
However, it can be as
expensive as $1893 with companies
like State Farm.
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 West Coxsackie are offered by American Family
at $374. However,
it can be as expensive as $1920
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in West Coxsackie after Speeding ticket
Car Insurance Price Trends in West Coxsackie,
New York
Car insurance rates in West Coxsackie have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the West Coxsackie dipped by
$232 in December
compared to $233 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 West Coxsackie dipped to $80 in December,
compared to $83 in November.
This represents an decrease of $3
when comparing December and November.
Average Car Insurance Cost in West Coxsackie by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
West Coxsackie. At $1934 for a
six-month policy, insuring
your car at 12192 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in West Coxsackie?
The car insurance in West Coxsackie is $41 per month, which is lower than the national average.
What is the cheapest car insurance in West Coxsackie?
The cheapest car insurance in West Coxsackie
is $88 per month
for full coverage.
How much is car insurance in West Coxsackie for teenagers?
Car insurance for teenagers costs $352 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
West Coxsackie?
The average cost of car insurance is $1029 for a six-month
policy. It will cost around $163 per month to insure your
car in West Coxsackie.
Is car insurance expensive in West Coxsackie?
Car insurance can be expensive in West Coxsackie if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in West Coxsackie can be
affordable.
What is the best car insurance in West Coxsackie,
NY?
The best car insurance company in West Coxsackie
NY is
Kemper, offering $519 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in West Coxsackie right now.
Find Car Insurance Rates in Cities Near West Coxsackie, NY
Car Insurance Rates by State in the USA (2025 Update)
West Coxsackie Car Insurance
