Amsterdam, NY Car Insurance

On average, Amsterdam drivers pay around $100 a month for their car insurance. Check out our guide below to find out how much you'll pay.
What rates can residents of Amsterdam expect to pay for their car insurance? How do rates in Amsterdam measure up compared to neighboring areas, including New York as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Amsterdam?

Area Average Monthly Car Insurance Premium
Amsterdam$100
NY$199
United States$81

According to the chart above, the average cost of auto insurance in New York is about $99 a month more expensive than it is in Amsterdam.

Drivers relocating the Amsterdam should take note of the differences in average rates. You can expect to pay about $19 more for your policy in Amsterdam.

Although these are the average rates for auto insurance in Amsterdam, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.

Don't worry, we've done the work for you and broken down average rates for Amsterdam to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$216
25-34$79
35-44$71
45-54Not Enough Data
55-64$74
65+Not Enough Data

As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, your rates may rise again in Amsterdam.

Average Car Insurance Rates by Gender

Gender Average
Male$83
Female$130

Despite the national trend of women paying less than men for car insurance coverage, in Amsterdam men actually pay $83 per month for coverage while women pay $130.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$76
Multiple Accidents$77
1 TicketNot Enough Data
Multiple Tickets$75

Your rates can change quite drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Amsterdam with a single accident will pay around $76 a month.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$118
2-3 Years$83
4-5 Years$90
6-7 Years$57
8-10 Years$90
11-14 Years$112
15 Years or Older$117

The most affordable vehicles to insure in Amsterdam are typically cars, which run about $88 per month.

SUV owners can expect to pay an average of around $111 a month for their policy, while truck and van drivers are usually around $117 to insure each month.

You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Amsterdam, vehicles less than one year old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$103
Married$77

Generally, married policyholders will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.

In Amsterdam, the difference in rates based on relationship status can be as much as $26 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$65
Rent$112
Live with parents$223

Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $47 a month more than if you own your own home in Amsterdam. But if you live with your parents, your rates will be significantly higher.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.

Car Insurance Companies in Amsterdam, NY

Recent trends in car insurance for Amsterdam drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.

In Amsterdam, the rates for car insurance increased from 2016-2019, before steadying out in 2020. Rates finished down in 2021, at $87 per month

How does Amsterdam compare to neighboring areas?

Why are car insurance rates in Amsterdam different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:

  • Area crime rates
  • Number of drivers
  • Area regulations
  • Access to off-street parking
  • Road Safety (total number of local car accidents)

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Amsterdam?

Equipping 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.

Good news! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in Amsterdam.

Compare the cheapest quotes from dozens of insurance companies

Amsterdam Insurance FAQs

What factors affect car insurance quotes in Amsterdam?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Amsterdam different from other neighboring cities?

Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Amsterdam?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Amsterdam?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Amsterdam 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?

Find your best rate in just a few minutes