Table of contents
How much is car insurance in Bayside?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $60 a month more expensive to insure your vehicle in Bayside than it is in the rest of New York.
Likewise, Bayside residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $178 more for coverage in Bayside than in the rest of the U.S.
While these are the average car insurance rates for Bayside, keep in mind that you could end up paying a different amount. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
Don't worry, we've done the work for you and broken down the average rates for Bayside to help you understand what your monthly premium might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay $223 more than someone who is retirement aged.
For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates climb back up a bit in Bayside.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Bayside, this difference shakes out to about $76 per month. Based on the chart above, you can see that female drivers pay around $201 on average, while male drivers typically pay $277 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Bayside with a single accident on their record will usually see rates around $431 a month.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$150|
|15 Years or Older||$225|
According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Bayside, with drivers paying around $98 per month to insure their vehicle.
SUV drivers will see rates of about $146, while the rates for car owners average out to about $312 a month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Bayside, 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)||$293|
Generally, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Bayside is about $127 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$101|
Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $197 less than those who own their own home in Bayside. But if you live with your parents, you can expect to pay a lot 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 Bayside, NY
Recent trends in car insurance for Bayside drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Bayside, the rates for car insurance rose from 2016-2018, before steadying out in 2019. Car insurance rates have been increasing again recently, and finished up at $343 in 2021.
How does Bayside compare to neighboring areas?
Why are car insurance rates in Bayside different from other areas?
Car insurance companies take in a number of factors when deciding how much individual insurance policies will cost. Many factors affecting your policy are based around where you call home. These factors include things like:
- Frequency of car accidents
- Off-street parking accessibility
- Crime levels
- Total 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. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Bayside?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Good news! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Bayside.
Bayside Insurance FAQs
What factors affect car insurance quotes in Bayside?
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 vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Bayside different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Bayside?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Bayside?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Bayside or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?