Table of contents
How much is car insurance in Arverne?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $8 a month more expensive to insure your vehicle in Arverne than it is in the rest of New York.
Likewise, Arverne residents will likely pay higher rates for their insurance policy than the rest of the country. The average monthly payment in Arverne is about $126 more expensive than the rate for the rest of the U.S.
While these are the average car insurance rates for Arverne, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. 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.
We've analyzed the average rate for Arverne and broken down the different factors to help you understand what your policy's monthly premium will be. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|18-24||Not Enough Data|
|45-54||Not Enough Data|
For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates creep back up once you hit retirement age in Arverne.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Arverne, however, the difference in monthly rates for auto insurance is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Arverne, drivers with one accident on their record will experience rates around $148 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$311|
|15 Years or Older||$198|
According to the first table above, SUVs are by and large the cheapest vehicles to insure in Arverne, with drivers paying around $174 per month for auto insurance.
Truck and van drivers will see rates of about $245, while the rates for SUV owners average out to about $174 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old however, your rates may start to dip back down a bit. 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)||$207|
Generally, those who have settled down into marriage will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Arverne, with married couples paying about $14 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $63 less than those who own their own home 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 average costs, depending on your insurance company.
Car Insurance Companies in Arverne, NY
Recent trends in car insurance for Arverne drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
In Arverne, car insurance rates went up consistently from 2016 through the present, where they hit $217 a month in 2021.
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 deciding how much to charge for a policy. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Number of drivers in the community
- Area regulations
- Road safety
- Access to off-street parking
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. With the knowledge 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 particular neighborhood.
How can I find the cheapest car insurance in Arverne?
While knowing 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.
Good news! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Arverne.
Arverne Insurance FAQs
What factors affect car insurance quotes in Arverne?
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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Arverne different from other neighboring cities?
Things like crime rates, local laws, 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 Arverne?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Arverne?
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. 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.