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How much is car insurance in Arverne?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $9 a month more expensive to insure your vehicle in Arverne than it is in the rest of New York.
Likewise, Arverne residents should prepare to pay higher rates for coverage than the rest of the country. It's about $127 more expensive for coverage in Arverne than the average rates for the U.S. as a whole.
Bear in mind that while these rates are the average costs for Arverne residents, it doesn't mean that's what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
We've broken down average rates for Arverne to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay $259 more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Arverne drivers may see their rates begin to go back up once they hit retirement age.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Arverne, the difference is around $6 per month. As illustrated in the table above, female drivers in the area pay about $204 on average, while male drivers pay around $210 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Arverne with one accident will pay around $148 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $87 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$311|
|15 Years or Older||$203|
As you can see in the first table above, the cheapest vehicles to insure in Arverne are typically SUVs, which run about $183 per month.
Truck and van drivers will see rates of about $245 for car insurance coverage, while car owners usually pay around $210 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. In Arverne, 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)||$212|
Generally, married policyholders will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
In Arverne, the difference in rates based on relationship status can be as much as $24 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$338|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $64 less than homeowners in Arverne. 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 car insurance costs, depending on your insurance company.
Car Insurance Companies in Arverne, NY
Recent trends in car insurance for Arverne 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 cost of auto insurance coverage in Arverne had been increasing from 2017-2020, before steadying out in 2021. Policy premiums finished up in 2022, at $338 per month
How does Arverne compare to neighboring areas?
Why are car insurance rates in Arverne different from other areas?
Car insurance companies will take into account a variety of factors when choosing how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Regional crime rates
- Total number of drivers
- Road Safety (total number of local car accidents)
- Local regulations
- Off-street parking availability
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Arverne?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from several of the car insurance companies offering auto coverage in Arverne.
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Arverne Insurance FAQs
What factors affect car insurance quotes in Arverne?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Arverne different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Arverne?
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 Arverne?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Arverne or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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