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How much is car insurance in Brentwood?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $12 a month cheaper to insure your vehicle in Brentwood than it is in the rest of New York.
Compared to the national average cost of auto coverage, Brentwood has higher rates. The cost of insuring a vehicle in Brentwood is about $106 more expensive than the average rate for the rest of the U.S.
While these are the average car insurance rates for Brentwood, 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 the final dollar amount you'll be asked to pay each month.
But don't worry, we've broken down average rates for Brentwood residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement age, however, you may see your rates begin to go back up in Brentwood.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Brentwood, the difference is around $8 per month. As illustrated in the table above, female drivers in the area pay about $180 on average, while male drivers pay around $188 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Brentwood, drivers with one accident on their record will experience rates around $206 a month. In addition, drivers with a single ticket on their record can expect to pay around $280 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$127|
|15 Years or Older||$188|
According to the first table above, SUVs are typically the cheapest vehicles to insure in Brentwood, with drivers paying around $141 per month to insure their vehicle.
Car owners, on the other hand, by and large pay around $208 a month, while truck and van drivers can expect to pay about $172 per month for auto insurance.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Brentwood are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$193|
On average, people who are married will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
The difference in rates based on relationship status in Brentwood can be as much as $87 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$232|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $11 a month more than homeowners in Brentwood. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.
Car Insurance Companies in Brentwood, NY
Recent trends in car insurance for Brentwood drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
In Brentwood, the rates for car insurance declined from 2016-2017, before rising from 2018-2020. They finished down in 2021 at $210.
How does Brentwood compare to neighboring areas?
Why are car insurance rates in Brentwood different from other areas?
When considering how much to charge for coverage, car insurance companies will review a number of factors. 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:
- Total number of drivers in the community
- Number of car accidents
- Off-street parking accessibility
- Local crime rates
- Community regulations
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. Knowing 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 Brentwood?
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. Simply enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies offering policies in Brentwood.
Brentwood Insurance FAQs
What factors affect car insurance quotes in Brentwood?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Brentwood different from other neighboring cities?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Brentwood?
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 Brentwood?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Brentwood or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.