Buy Cheap Cold Spring Harbor, NY Auto Insurance (2021)

Cold Spring Harbor, NY auto insurance rates average $499 a month. Minimum auto insurance requirements in Cold Spring Harbor, New York are 25/50/10 to comply with New York laws. To buy cheap auto insurance in Cold Spring Harbor, NY, compare Cold Spring Harbor auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Cold Spring Harbor, NY are $499/month
  • The most expensive auto insurance company in Cold Spring Harbor is Liberty Mutual
  • Average auto insurance rates in Cold Spring Harbor, NY for teens drivers are $10,620/year

Finding affordable Cold Spring Harbor, New York auto insurance can be challenging, but everything you need to know to buy cheap Cold Spring Harbor, NY auto insurance with confidence is right here. Auto insurance rates in Cold Spring Harbor are affected by local factors as well as personal ones like your driving record.

See how Cold Spring Harbor, NY car insurance rates compare to Yonkers auto insurance rates, New York auto insurance rates, and Mount Vernon auto insurance rates before you read more about the cost of auto insurance in Cold Spring Harbor.

Don’t buy Cold Spring Harbor, NY auto insurance until you’ve compared rates. Get free Cold Spring Harbor, New York auto insurance quotes when you enter your ZIP code above.

Cold Spring Harbor, NY Minimum Auto Insurance Requirements

The required auto insurance in Cold Spring Harbor, NY is 25/50/10 according to the auto insurance laws in New York. The minimum auto insurance in Cold Spring Harbor, New York is outlined here.

Minimum Required Auto Insurance Coverage in Cold Spring Harbor, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Find Cheap Cold Spring Harbor, NY Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Cold Spring Harbor, NY. Take a look at Cold Spring Harbor, New York auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Cold Spring Harbor, New York

Insurance Company Poor Fair Good
Allstate $8,932 $5,103 $4,344
GEICO $3,961 $2,909 $2,611
Liberty Mutual $11,955 $7,803 $5,832
Nationwide $5,770 $5,770 $5,770
Progressive $10,458 $5,176 $3,736
State Farm $8,554 $5,364 $4,257
Travelers $9,693 $5,910 $5,048
USAA $7,537 $3,851 $3,391

Buy Cheap Cold Spring Harbor, NY Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Cold Spring Harbor, New York auto insurance rates? Find out how car insurance rates in Cold Spring Harbor, NY are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Cold Spring Harbor, New York

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,080 $3,766 $3,867 $3,909 $12,395 $13,246 $3,886 $3,864
GEICO $2,275 $2,192 $2,216 $2,183 $4,934 $7,330 $2,045 $2,106
Liberty Mutual $6,368 $6,368 $5,931 $5,931 $12,483 $18,034 $6,368 $6,758
Nationwide $4,246 $4,246 $3,990 $3,990 $7,951 $11,985 $4,246 $5,511
Progressive $3,894 $3,520 $3,014 $3,094 $13,595 $14,884 $4,964 $4,690
State Farm $3,845 $3,845 $3,375 $3,375 $11,356 $13,947 $4,252 $4,473
Travelers $4,813 $4,767 $4,454 $4,707 $11,829 $14,225 $5,070 $5,205
USAA $2,555 $2,512 $2,329 $2,331 $10,414 $12,337 $3,288 $3,645

Buy Cheap Cold Spring Harbor, NY Auto Insurance for Teen Drivers

Auto insurance for teenagers in Cold Spring Harbor can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Cold Spring Harbor, NY are listed here.

Annual Auto Insurance Rates for Teen Drivers in Cold Spring Harbor, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,395 $13,246
GEICO $4,934 $7,330
Liberty Mutual $12,483 $18,034
Nationwide $7,951 $11,985
Progressive $13,595 $14,884
State Farm $11,356 $13,947
Travelers $11,829 $14,225
USAA $10,414 $12,337

Buy Cheap Cold Spring Harbor, NY Auto Insurance for Seniors

You can save on senior auto insurance rates in Cold Spring Harbor, New York by comparing Cold Spring Harbor senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Cold Spring Harbor, NY here.

Annual Auto Insurance Rates for Senior Drivers in Cold Spring Harbor, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,867 $3,909
GEICO $2,216 $2,183
Liberty Mutual $5,931 $5,931
Nationwide $3,990 $3,990
Progressive $3,014 $3,094
State Farm $3,375 $3,375
Travelers $4,454 $4,707
USAA $2,329 $2,331

Find Cheap Auto Insurance Rates in Cold Spring Harbor, NY by Coverage Level

The amount of coverage you choose is a big factor in the cost of Cold Spring Harbor, New York auto insurance. Compare Cold Spring Harbor, NY auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Cold Spring Harbor, New York

Insurance Company Low Medium High
Allstate $5,641 $6,095 $6,644
GEICO $2,967 $3,148 $3,365
Liberty Mutual $8,070 $8,505 $9,015
Nationwide $5,355 $5,713 $6,243
Progressive $6,043 $6,404 $6,924
State Farm $5,684 $6,100 $6,390
Travelers $6,391 $6,780 $7,480
USAA $4,742 $4,893 $5,144

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Find Cheap Cold Spring Harbor, NY Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Cold Spring Harbor. Compare auto insurance rates in Cold Spring Harbor, NY by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Cold Spring Harbor, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,040 $6,213
GEICO $3,066 $3,254
Liberty Mutual $8,283 $8,777
Nationwide $5,770 $5,770
Progressive $6,457 $6,457
State Farm $5,835 $6,282
Travelers $6,884 $6,884
USAA $4,876 $4,977

Find Cheap Cold Spring Harbor, NY Auto Insurance Rates by ZIP Code

Auto insurance rates in Cold Spring Harbor, New York can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Cold Spring Harbor, NY to see how much where you live in Cold Spring Harbor affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Cold Spring Harbor, New York

ZIP Code Average Annual Rates
11724 $6,044
11743 $6,038

Find Cheap Cold Spring Harbor, NY Auto Insurance Rates by Driving Record

Auto insurance rates in Cold Spring Harbor, New York are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Cold Spring Harbor, NY, take a look at the average cost for various violations versus rates for a clean driving record in Cold Spring Harbor.

Annual Cold Spring Harbor, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,134 $5,134 $7,668 $6,571
GEICO $2,440 $2,662 $5,098 $2,440
Liberty Mutual $6,702 $6,702 $14,015 $6,702
Nationwide $4,346 $4,346 $9,941 $4,450
Progressive $6,264 $6,264 $6,990 $6,309
State Farm $5,754 $5,754 $6,363 $6,363
Travelers $5,790 $7,396 $7,503 $6,845
USAA $4,387 $4,459 $6,400 $4,459

Find Cheap Cold Spring Harbor, NY Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Cold Spring Harbor, New York is higher than for a clean driving record. You can buy auto insurance after a DUI in Cold Spring Harbor for less when you shop around and compare rates from multiple Cold Spring Harbor, NY auto insurance companies.

Annual Auto Insurance Rates After a DUI in Cold Spring Harbor, New York

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,668
GEICO $5,098
Liberty Mutual $14,015
Nationwide $9,941
Progressive $6,990
State Farm $6,363
Travelers $7,503
USAA $6,400

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Winners by Category: Where to Buy Cheap Auto Insurance in Cold Spring Harbor, NY

Compare rates from the cheapest auto insurance companies in Cold Spring Harbor, NY for your needs. Take a look at how Cold Spring Harbor, New York auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Cold Spring Harbor, New York

Category Insurance Company
Teenagers GEICO
Seniors GEICO
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

Find Cheap Cold Spring Harbor, New York Auto Insurance Companies

If you’re looking for the cheapest Cold Spring Harbor, NY auto insurance companies overall, you can compare them here. Find the best price for Cold Spring Harbor, New York car insurance by company.

Average Annual Auto Insurance Rates by Company in Cold Spring Harbor, New York

Insurance Company Average Annual Rates
Allstate $6,127
GEICO $3,160
Liberty Mutual $8,530
Nationwide $5,770
Progressive $6,457
State Farm $6,058
Travelers $6,884
USAA $4,926

What affects Cold Spring Harbor, New York auto insurance rates?

Local factors affect auto insurance rates in Cold Spring Harbor, NY, including traffic, theft statistics, and commute length. Take a look at the things that impact Cold Spring Harbor auto insurance rates.

Commute Times in Cold Spring Harbor

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Cold Spring Harbor, NY is 38.5 minutes according to City-Data.

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Compare Auto Insurance Quotes in Cold Spring Harbor, NY

You can buy cheap Cold Spring Harbor, NY auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Cold Spring Harbor, New York auto insurance quotes from top companies.

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