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How much is car insurance in Brentwood?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Brentwood are about $12 a month cheaper than in the rest of New York.
Compared to the national average cost of auto coverage, Brentwood has higher rates. The average monthly payment for the rest of the U.S. is about is about $106 cheaper than it is in Brentwood.
These may be the average auto insurance rates for Brentwood, but that doesn't mean it's exactly what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
We've done the heavy lifting for you and broken down the average rate for Brentwood so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
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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? That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay $212 more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates creep back up a bit once you hit retirement age in Brentwood.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. The difference in Brentwood is around $7 per month. As illustrated in the table above, female drivers in the area pay about $182 on average, while male drivers pay around $189 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Brentwood, drivers with one accident on their record will experience rates around $206 a month. In addition, drivers with one ticket can expect to pay around $238 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. 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||$127|
|15 Years or Older||$186|
As you can see in the first table above, the cheapest vehicles to insure in Brentwood are by and large SUVs, which run about $146 per month.
Car owners will see rates of about $206, while truck and van owners typically pay around $181 a month.
Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. In Brentwood, 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)||$194|
Overall, married policyholders will pay slightly less for auto insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Brentwood is no exception, with the difference totaling to around $88 a month.
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 $12 a month more than drivers who own property in Brentwood. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 Brentwood, NY
Recent trends in car insurance for Brentwood drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
The rates for auto insurance in Brentwood had been decreasing from 2016-2017, but began to rise in 2018. This pattern has continued through 2021 when rates have most recently hit $216 per month.
How does Brentwood compare to neighboring areas?
Why are car insurance rates in Brentwood different from other areas?
There are a lot of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Rate of crime
- Area laws
- Amount of off-street parking
- Total number of drivers in the community
- Road Safety (frequency of local car accidents)
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Brentwood?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Luckily, Compare.com can handle all of this for you. Just enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies offering plans in Brentwood.
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Brentwood Insurance FAQs
What factors affect car insurance quotes in Brentwood?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Brentwood different from other neighboring cities?
Parking situations, local laws, and crime rates -- 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 Brentwood?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Brentwood?
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. 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 Brentwood 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?
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