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How much is car insurance in Elmhurst?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Elmhurst are about the same as the rest of New York.
The average cost of insuring your vehicle in Elmhurst is above the national rate. The average monthly payment for the rest of the U.S. is about is about $115 cheaper than it is in Elmhurst.
Although these are the average rates for auto insurance in Elmhurst, it's important to remember that you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Elmhurst residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may begin to go back up in Elmhurst.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in Elmhurst totals about $34 per month. Based on the chart above, you can see that male drivers pay $199 on average, while female drivers typically pay $165 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. The rate for drivers in Elmhurst with a single accident on their record is about $190 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $263 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$211|
|15 Years or Older||$185|
If you look at the first table above, the cheapest vehicles to insure in Elmhurst are usually SUVs, at $173 per month.
Truck and van drivers will see rates of about $176 for insurance coverage, while car owners typically pay around $213 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Elmhurst, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$197|
On average, those who have settled down into marriage will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Elmhurst as well, where the difference is around $23 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$83|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Elmhurst, expect to pay around $8 a month more than if you own your home. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
Car Insurance Companies in Elmhurst, NY
Recent trends in car insurance for 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.
The rates for car insurance in Elmhurst had been increasing from 2016-2017, before steadying out in 2018. Insurance rates have been increasing again recently, and were up to $225 in 2021.
How does Elmhurst compare to neighboring areas?
Why are car insurance rates in Elmhurst different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider several factors. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Number of drivers in the area
- Regional crime rates
- Availability of off-street parking
- Regional regulations
- Road Safety (frequency of car accidents)
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Elmhurst?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But wait! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer auto coverage in Elmhurst.
Elmhurst Insurance FAQs
What factors affect car insurance quotes in Elmhurst?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, 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 Elmhurst 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 parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Elmhurst?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Elmhurst?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 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?