Table of contents
How much is car insurance in West New York?
|Area||Average Monthly Car Insurance Premium|
|West New York||$129|
Based on the information in the chart above, you can see that on average, it's about $22 a month more expensive to insure your vehicle in West New York than it is in the rest of New Jersey.
Similarly, West New York residents will likely pay higher rates for their insurance policy than the rest of the country. It's around $49 more expensive for coverage in West New York than the average rates seen in the rest of the U.S.
These may be the average auto insurance rates for West New York, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
Don't sweat it however, we've broken down average rates for West New York residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can lead to some serious savings when it comes to car insurance rates. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Drivers in West New York may see their rates climb back up once they hit retirement.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In West New York, male drivers pay about $6 more a month. As you can see in the table above, female drivers in the area typically pay $125 on average, while female drivers typically pay $131 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in West New York with a single accident on their record will usually see rates around $138 a month. In addition, drivers with a single ticket on their record can expect to pay around $91 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$81|
|15 Years or Older||$139|
According to the first table above, the cheapest vehicles to insure in West New York are by and large SUVs, at $113 per month.
Car owners, on the other hand, typically pay around $133 per month, while truck and van drivers can expect to pay about $150 a month to insure their vehicle.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in West New York are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$139|
More often than not, those who are currently married will pay slightly less for car insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in West New York can be as much as $32 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$191|
Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $29 a month more than if you own your own home in West New York. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in West New York, NJ
Recent trends in car insurance for West New York drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The rates for auto insurance in West New York increased from 2016-2017, when they reached a high of $147. Car insurance rates began to decrease in 2020, and this trend has continued through 2021, when rates have most recently hit $112.
How does West New York compare to neighboring areas?
Why are car insurance rates in West New York different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:
- Off-street parking accessibility
- Area laws
- Road Safety (frequency of car accidents)
- Amount of drivers in the community
- Crime levels
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in West New York?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer coverage in West New York.
West New York Insurance FAQs
What factors affect car insurance quotes in West New York?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, credit score, driving record, and marital status.
Why is the cost of car insurance in West New York different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in West New York?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to West New York?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to West New York or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?