Coram, NY Car Insurance

The average monthly cost for car insurance in Coram is about $144. To find out more check out our guide below.
Compared to their surrounding area, how do rates in Coram stack up? What about against the rest of New York? What should residents of Coram expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Coram?

Area Average Monthly Car Insurance Premium
Coram$144
NY$198
United States$80

According to the chart above, the average cost of auto insurance in New York is about $54 a month more expensive than it is in Coram.

That being said the expected monthly payments for an auto insurance policy in Coram are above the national average. You can expect to pay about $64 more for your policy in Coram.

While these are the average car insurance rates for Coram, keep in mind that you could end up paying a different amount. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.

Don't sweat it however, we've broken down average rates for Coram residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$223
25-34$136
35-44$104
45-54$87
55-64$99
65+$199

It makes sense that older drivers would have more experience behind the wheel, right? That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.

For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement, however, you may see your rates creep back up in Coram.

Average Car Insurance Rates by Gender

Gender Average
Male$151
Female$129

In general, women pay slightly less for car insurance than men. In Coram, this difference shakes out to about $22 a month. Looking at the table above, you can see that female drivers pay around $129 on average, while male drivers typically pay $151 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$283
Multiple Accidents$450
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

Depending on your driving record, your rates can vary wildly. Those with clean records will obviously pay significantly less than those with infractions. In Coram, drivers with one accident on their record will experience rates around $283 a month.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$161
2-3 Years$162
4-5 Years$233
6-7 Years$189
8-10 Years$220
11-14 Years$107
15 Years or Older$114

You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. In Coram, 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)$144
Married$161
Divorced$79

Generally speaking, people who are married will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

The difference in rates based on relationship status in Coram is about $17 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$147
Rent$125
Live with parents$242

Another factor that comes into play is your housing situation. Renters can expect to pay around $22 a month less than those who own their own home in Coram. But if you live with your parents, your rates will be significantly higher.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Coram, NY

Recent trends in car insurance for Coram 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 policy.

The rates for car insurance in Coram have been mixed as of late, they increased in 2016, dropped in 2018, and rose again in 2020, before finishing at $350 in 2021.

How does Coram compare to neighboring areas?

Why are car insurance rates in Coram different from other areas?

Car insurance companies will take into account a variety of factors when choosing how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Area laws
  • Off-street parking access
  • Total amount of drivers in the area
  • Crime levels
  • Road Safety (frequency of car accidents)

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Coram?

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.

Good news! Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in Coram.

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Coram Insurance FAQs

What factors affect car insurance quotes in Coram?

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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Coram 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 crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.

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

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 Coram?

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. 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 Coram 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?

Find your best rate in just a few minutes