Table of contents
How much is car insurance in Baldwin?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of New York are about $34 a month cheaper than the rates drivers pay in Baldwin.
Similarly, the expected monthly payments for an auto insurance policy in Baldwin are above the national average. The average monthly payment for the rest of the U.S. is about is about $152 cheaper than it is in Baldwin.
While these numbers are the average rates for auto insurance in Baldwin, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Baldwin residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may rise again in Baldwin.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Baldwin, the difference comes out to about $81 a month. As you can see in the table above, female drivers in the area typically pay $166 on average, while female drivers typically pay $247 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Rates can change drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Baldwin with a single accident on their record will usually see rates around $196 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $250 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$204|
|15 Years or Older||$287|
In Baldwin, the cheapest vehicles to insure are typically SUVs, with drivers paying around $149 per month for insurance coverage.
Car owners, on the other hand, by and large pay around $254 per month, while truck and van drivers can expect to pay about $170 a month for car insurance coverage.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Baldwin, the most expensive vehicles to insure are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$243|
On a national scale, single drivers typically pay more than married couples do for auto insurance. Baldwin is no exception, with the difference totaling to around $83 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$106|
Another factor that comes into play is your housing situation. In Baldwin, homeowners can expect to pay around $81 a month less than those who rent. 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 premiums, depending on your insurance company.
Car Insurance Companies in Baldwin, NY
Recent trends in car insurance for Baldwin 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.
In Baldwin, the rates for car insurance rose from 2016-2017, before leveling out in 2018. Car insurance rates began increasing again in 2019, and finished down in 2021, at $249 per month.
How does Baldwin compare to neighboring areas?
Why are car insurance rates in Baldwin different from other areas?
When considering how much to charge for coverage, car insurance companies will review a lot of factors. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Area crime rates
- Regional regulations
- Number of car accidents
- Availability of off-street parking
- Number of drivers
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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 Baldwin?
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.
Luckily, 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 numerous car insurance companies offering policies in Baldwin in no time.
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 credit score, address, marital status and driving record.
Why is the cost of car insurance in Baldwin different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations 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 Baldwin?
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 Baldwin?
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 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.