East Elmhurst, NY Car Insurance

Residents of East Elmhurst pay around $209 monthly for their car insurance coverage. Read our guide below to learn more about your specific rates.
How does East Elmhurst stack up to the rest of the area, or even New York as a whole? What rates should residents of East Elmhurst expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in East Elmhurst?

Area Average Monthly Car Insurance Premium
East Elmhurst$209
NY$198
United States$80

Car insurance policies across the rest of New York are about $11 a month cheaper than the rates drivers pay in East Elmhurst.

Drivers relocating the East Elmhurst should take note of the differences in average rates. It's about $129 more expensive for coverage in East Elmhurst than the average rates for the U.S. as a whole.

Bear in mind that while these are the average car insurance rates for East Elmhurst, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've done the heavy lifting for you and broken down the average rate for East Elmhurst 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 below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$333
25-34$188
35-44$181
45-54$139
55-64$184
65+$156

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. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, you may see your rates rise again in East Elmhurst.

Average Car Insurance Rates by Gender

Gender Average
Male$204
Female$242

While women typically pay less than men do for auto insurance, East Elmhurst bucks this trend. Female drivers typically pay around $38 more a month for insurance coverage than their male counterparts.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$180
Multiple Accidents$363
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

One of the key factors in determining your car insurance rates is your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In East Elmhurst, a driving record with one accident will usually get you a rate around $180 a month.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$307
2-3 Years$179
4-5 Years$175
6-7 Years$244
8-10 Years$207
11-14 Years$214
15 Years or Older$198

As you can see in the first table above, the cheapest vehicles to insure in East Elmhurst are typically SUVs, which run about $176 per month.

Truck and van drivers will see rates of about $281 for car insurance coverage, while car owners by and large pay around $213 per month.

Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. In East Elmhurst, vehicles less than one year old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$218
Married$162
Divorced$105

On average, car insurance is slightly cheaper for married policyholders. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for East Elmhurst as well, where the difference is around $56 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$206
Rent$210
Live with parents$357

Another factor that comes into play is your housing situation. Renters can expect to pay around $4 a month more than drivers who own property in East Elmhurst. But those who live at home with their parents can expect to pay significantly 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 car insurance premiums.

Car Insurance Companies in East Elmhurst, NY

Recent trends in car insurance for East Elmhurst 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 deciding when and where to shop.

In East Elmhurst, auto insurance rates declined from 2015-2017, before leveling out in 2018. Policy premiums had been increasing again recently, reaching a high of $280 in 2021.

How does East Elmhurst compare to neighboring areas?

Why are car insurance rates in East Elmhurst different from other areas?

Car insurance companies take in a lot of factors when choosing how much individual insurance policies will cost. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:

  • Community regulations
  • Crime rates
  • Total number of drivers in the area
  • Road Safety (frequency of local car accidents)
  • Off-street parking access

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in East Elmhurst?

Arming 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.

Fortunately, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing policies in East Elmhurst.

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East Elmhurst Insurance FAQs

What factors affect car insurance quotes in East Elmhurst?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your marital status, credit score, address, and driving record.

Why is the cost of car insurance in East Elmhurst different from other neighboring cities?

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

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

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 East Elmhurst?

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 East Elmhurst 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