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How much is car insurance in Astoria?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $25 a month cheaper to insure your vehicle in Astoria than it is in the rest of New York.
That being said Astoria residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's around $93 more expensive to insure your vehicle in Astoria compared to the average rate for the rest of the U.S.
While these are the average car insurance rates for Astoria, keep in mind that you could end up paying a different amount. Insurance companies take in a number of factors when deciding what amount to charge you for insuring 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 premium.
We've broken down average rates for Astoria 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 below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can really work in your favor when factored into your car insurance rates. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, you may see your rates start to rise again in Astoria.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Astoria, male drivers pay about $18 more a month. As illustrated in the table above, female drivers in the area pay about $161 on average, while male drivers pay around $179 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
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. In Astoria, drivers with one accident on their record will experience rates around $193 a month. In addition, drivers with a single ticket on their record can expect to pay around $136 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$189|
|15 Years or Older||$168|
If you look at the first table above, you'll see that SUVs are usually the cheapest vehicles to insure in Astoria, with drivers paying around $149 per month for insurance coverage.
Truck and van drivers will see rates of about $196, while the rates for SUV owners average out to about $149 per month.
Vehicle age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Astoria, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$185|
On average, those who are currently married will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
According to the table above, the difference in rates based on relationship status in Astoria can be as much as $54 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
Your housing situation is another factor that affects your monthly rate. Renters can expect to pay around $38 a month less than homeowners in Astoria. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Astoria, NY
Recent trends in car insurance for Astoria drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
Auto insurance rates in Astoria dropped from 2017-2018, when they reached a low of $128. This shifted in 2021, when rates began to increase. This trend has continued through the present, where rates recently hit $212.
How does Astoria compare to neighboring areas?
Why are car insurance rates in Astoria different from other areas?
There are a variety of factors car insurance companies take into consideration when choosing how much to charge for coverage. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Area laws
- Total number of drivers
- Amount of off-street parking
- Number of car accidents
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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Astoria?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com has you covered. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer plans in Astoria in no time.
Astoria Insurance FAQs
What factors affect car insurance quotes in Astoria?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Astoria different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, 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 Astoria?
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 Astoria?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Astoria or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.