College Point, NY Car Insurance

What rates can residents of College Point expect to pay for their car insurance? Are rates in College Point higher or lower than those in neighboring areas? How do they compare to the rest of New York? Find the average cost breakdowns and determining factors in the charts and writeups below:

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How much is car insurance in College Point?

As you can tell by looking at the chart above, car insurance rates in College Point are about the same as the rest of New York.

If you're considering relocating to College Point from out of state, you may want to budget a little extra for your insurance. It's about $118 more expensive for coverage in College Point than the average rates for the U.S. as a whole.

Although these are the average car insurance rates in College Point, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.

We've broken down the average rates for College Point to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

It would make sense that older drivers have more driving experience, right? When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. Drivers in College Point may see their rates creep back up once they hit retirement.

Average Car Insurance Rates by Gender

In general, car insurance rates for women are usually cheaper than they are for men. The difference in average rates in College Point totals about $6 a month. Looking at the table above, you can see that female drivers pay around $194 on average, while male drivers typically pay $200 each month.

Average Auto Insurance Rates by Driving Record

Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In College Point, a driving record with a single accident will usually get you a rate around $186 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $109 on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. 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

In terms of affordable coverage, the cheapest vehicles to insure in College Point are by and large SUVs, at $194 per month.

Car owners can expect to pay an average of around $202 a month for their policy, while truck and van drivers are usually around $199 to insure each month.

Your rates can also vary depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. In College Point, vehicles less than one year old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Generally, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.

The cost of auto insurance in College Point reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $44 a month.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your housing status. If you rent your home or apartment, expect to pay around $108 a month more than if you own your own home in College Point. But if you live with your parents, you can expect to pay a lot more.

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

Car Insurance Companies in College Point, NY

Recent trends in car insurance for College Point 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 selecting an auto insurance policy.

In College Point, auto insurance rates decreased from 2015-2017, when they reached a low of $111. Rates began to increase in 2020, and this trend has continued through 2021, when rates have most recently hit $255.

How does College Point compare to neighboring areas?

Why are car insurance rates in College Point different from other areas?

There are several factors car insurance companies take into consideration when choosing how much to charge for coverage. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:

• Area crime rates
• Total number of drivers
• Availability of off-street parking
• Road Safety (total number of local car accidents)
• Community regulations

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in College Point?

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.

But hold on! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in College Point.

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College Point Insurance FAQs

What factors affect car insurance quotes in College Point?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.

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

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 College Point?

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 time, regardless of how long is left on your current policy. So, if you've recently moved to College Point 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.