Amsterdam, NY Car Insurance

On average, Amsterdam drivers pay a monthly average rate of around $99 for their car insurance. To learn more about car insurance rates in the Amsterdam area, read our guide below.
How much can residents of Amsterdam expect to pay for their car insurance? Compared to their surrounding area, how do rates in Amsterdam stack up? What about against the rest of New York? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Amsterdam?

Area Average Monthly Car Insurance Premium
Amsterdam$99
NY$198
United States$80

Auto insurance coverage in Amsterdam is about $99 cheaper than it is in the rest of New York.

Conversely, Amsterdam residents should prepare to pay higher rates for coverage than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $19 cheaper than it is in Amsterdam.

Although these are the average rates for auto insurance in Amsterdam, that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've analyzed the average rate for Amsterdam and broken down the different factors to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$216
25-34$76
35-44$71
45-54$64
55-64$74
65+Not Enough Data

You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement, your rates may start to rise again in Amsterdam.

Average Car Insurance Rates by Gender

Gender Average
Male$81
Female$130

Although female drivers pay, on average, less than male drivers to insure their car, Amsterdam actually defies this trend. While female drivers pay $130 a month for insurance coverage, males only pay about $81.

Average Auto Insurance Rates by Driving Record

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

One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay much less than those with infractions. In Amsterdam, a driving record with one accident will usually get you a rate around $76 a month.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

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$107
15 Years or Older$117

The most affordable vehicles to insure in Amsterdam are typically cars, which run about $84 per month.

Truck and van drivers will see rates of about $117 for auto insurance, while SUV owners usually pay around $111 per month.

Your rates can also vary depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. 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)$102
Married$77

Generally, people who are married will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

The cost of auto insurance in Amsterdam reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $25 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$65
Rent$110
Live with parents$223

Your living situation is another component of how insurance companies calculate your monthly rate. Homeowners in Amsterdam can expect to pay around $45 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Amsterdam, NY

Recent trends in car insurance for Amsterdam drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

In Amsterdam, the rates for auto insurance rose from 2016-2019, but began to decrease in 2020. This trend has continued through 2021 when rates have most recently reached $63 a month.

How does Amsterdam compare to neighboring areas?

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

There are numerous factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. Many factors affecting your policy are based around where you live and drive. These factors include things like:

  • Community regulations
  • Road Safety (frequency of local car accidents)
  • Crime rates
  • Number of drivers in the region
  • Access to off-street parking

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Amsterdam?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Good news! Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing auto coverage in Amsterdam in no time.

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Amsterdam Insurance FAQs

What factors affect car insurance quotes in Amsterdam?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, 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?

Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

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

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 Amsterdam?

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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Amsterdam or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes