East Elmhurst, NY Car Insurance

On average, East Elmhurst drivers pay a monthly average rate of around $209 for their car insurance. To learn more about what you're likely to pay in the East Elmhurst area, read our guide below.
Compared to their surrounding area, how do rates in East Elmhurst stack up? What about against the rest of New York? What rates can residents of East Elmhurst expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in East Elmhurst?

Area Average Monthly Car Insurance Premium
East Elmhurst$209
NY$199
United States$81

Looking at the chart above, you can see that it is around $10 a month more expensive to insure your vehicle in East Elmhurst than it is in the rest of New York.

Similarly, drivers in East Elmhurst may pay higher rates than the rest of the country. It's around $128 more expensive to insure your vehicle in East Elmhurst compared to the average rate for the rest of the U.S.

Keep in mind that while these are the average car insurance rates for East Elmhurst, it isn't guaranteed that it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.

But don't worry, we've broken down average rates for East Elmhurst residents so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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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$182
45-54$139
55-64$181
65+$179

Generally speaking, the older you are, the more experience you have driving, right? That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay $154 more than someone who is retirement aged.

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

Average Car Insurance Rates by Gender

Gender Average
Male$205
Female$242

Although women typically pay less than men do for auto insurance, this is not the case in East Elmhurst, where female drivers pay around $37 more a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$180
Multiple Accidents$363
1 Ticket$172
Multiple TicketsNot Enough Data

Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in East Elmhurst with a single accident on their record will usually see rates around $180 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $172 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

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$206
11-14 Years$215
15 Years or Older$199

According to the first table above, the cheapest vehicles to insure in East Elmhurst are by and large SUVs, at $176 per month.

Truck and van drivers will see rates of about $281, while the rates for SUV owners average out to about $176 per month.

Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In East Elmhurst, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

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

On average, those who are currently married will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in East Elmhurst, with married couples paying about $56 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$206
Rent$211
Live with parents$357

Your housing status is another component of how insurance companies calculate your monthly rate. Homeowners in East Elmhurst can expect to pay around $5 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

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 East Elmhurst, NY

Recent trends in car insurance for East Elmhurst drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.

In East Elmhurst, car insurance rates increased from 2017-2018, when they reached a low of $104. This leveled out in 2019, when car insurance rates began to increase. They hit a high of $275 in 2021, and finished down in 2022, at $218 a month.

How does East Elmhurst compare to neighboring areas?

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

There are numerous factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:

  • Local laws
  • Total number of drivers in the region
  • Frequency of car accidents
  • Crime
  • Amount of off-street parking

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge 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 East Elmhurst?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Good news! 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 several of the car insurance companies providing plans in East Elmhurst.

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East Elmhurst Insurance FAQs

What factors affect car insurance quotes in East Elmhurst?

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 age and gender, as well as your credit score, driving record, address, and marital status.

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

Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to East Elmhurst or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

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