Baldwin, NY Car Insurance

On average, Baldwin drivers pay a monthly average rate of around $239 for their car insurance. Read our guide below to learn more about your specific rates.
What rates can residents of Baldwin expect to pay for their car insurance? Are rates in Baldwin higher or lower than those in neighboring areas? How do they compare to the rest of New York? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Baldwin?

Area Average Monthly Car Insurance Premium
Baldwin$239
NY$199
United States$81

Coverage for your vehicle in Baldwin will typically run you about $40 a month more than in the rest of New York.

Drivers relocating the Baldwin should take note of the differences in average rates. The average monthly payment for the rest of the U.S. is about is about $158 cheaper than it is in Baldwin.

These rates may be the average amount drivers in Baldwin pay for their insurance policy, but 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. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've done the heavy lifting for you and broken down the average rate for Baldwin so that you can get a more accurate idea of what your monthly bill might be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$327
25-34$177
35-44$237
45-54$204
55-64$136
65+$258

The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to auto insurance bills. According to the table above, you can see that 18-24-year-olds pay $69 more than drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. Drivers in Baldwin may see their rates climb back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$245
Female$217

Male drivers pay, on average. slightly more than female drivers for auto insurance. In Baldwin, male drivers pay about $28 more a month. Looking at the table above, you can see that female drivers pay around $217 on average, while male drivers typically pay $245 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$196
Multiple Accidents$281
1 Ticket$180
Multiple TicketsNot Enough Data

One of the key factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. The rate for drivers in Baldwin with a single accident on their record is about $196 a month. Likewise, drivers with one ticket will be looking at a rate of around $180 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$204
2-3 Years$223
4-5 Years$223
6-7 Years$158
8-10 Years$242
11-14 Years$175
15 Years or Older$294

In Baldwin, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $170 per month for auto insurance.

Car owners can expect to pay an average of around $253 a month for their policy, while SUVs usually cost around $214 a month to insure.

Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Baldwin are vehicles fifteen years and older.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$244
Married$162
Divorced$258

Overall, car insurance is slightly cheaper for married policyholders. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

The cost of auto insurance in Baldwin reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $82 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$177
Rent$267
Live with parents$106

Your housing status is another factor that affects your monthly rate. In Baldwin, homeowners can expect to pay around $90 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

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

Car Insurance Companies in Baldwin, NY

Recent trends in car insurance for Baldwin drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.

The cost of auto insurance in Baldwin went up from 2016-2017, before leveling out in 2018. Car insurance rates have been increasing again recently, and rose to $290 in 2021.

How does Baldwin compare to neighboring areas?

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

There are numerous factors car insurance companies take into consideration when figuring out how much to charge for coverage. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:

  • Area laws
  • Total number of drivers in the region
  • Road Safety (frequency of local car accidents)
  • Amount of off-street parking
  • Crime

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Baldwin?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Fortunately, 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 offering coverage in Baldwin in no time.

Compare the cheapest quotes from dozens of insurance companies

Baldwin Insurance FAQs

What factors affect car insurance quotes in Baldwin?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, driving record, credit score, and marital status.

Why is the cost of car insurance in Baldwin different from other neighboring cities?

Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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

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 Baldwin?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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 Baldwin 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.

Find your best rate in just a few minutes