Table of contents
How much is car insurance in Astoria?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in New York is about $26 a month more expensive than it is in Astoria.
Compared to the national average cost of auto coverage, Astoria has higher rates. It's about $92 more for coverage in Astoria than in the rest of the U.S.
These rates may be the average amount drivers in Astoria pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. 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.
Don't sweat it however, we've broken down average rates for Astoria residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. 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|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Drivers in Astoria may see their rates start to rise again once they hit retirement age.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Astoria, the difference comes out to about $21 per month. As you can see in the chart above, car insurance for women in the area typically costs around $156 each month, while men pay $177 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay much 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. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $181.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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||$164|
In terms of affordable coverage, the cheapest vehicles to insure in Astoria are by and large SUVs, at $147 per month.
Truck and van drivers will see rates of about $187, while the rates for SUV owners average out to about $147 a month.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Astoria are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$184|
More often than not, those who have settled down into marriage will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Astoria follows that pattern, with the difference totaling to around $59 a 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 $41 less than those who own their own home in Astoria. But those who live at home with their parents can expect to pay significantly more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.
Car Insurance Companies in Astoria, NY
Recent trends in car insurance for Astoria drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
Car insurance rates in Astoria increased from 2016-2017, before steadying out in 2018. They finished up in 2021, at $170 per month
How does Astoria compare to neighboring areas?
Why are car insurance rates in Astoria different from other areas?
When considering how much to charge for coverage, car insurance companies will review numerous factors. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Off-street parking availability
- General road safety (how many accidents each locality has)
- Prevalence of crime
- Amount of drivers in the community
- Regional laws
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. 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 Astoria?
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.
Don't worry, Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer auto coverage in Astoria.
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 you can't control like your gender and age but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Astoria 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, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Astoria?
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 Astoria?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Astoria or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?