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How much is car insurance in Elmhurst?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Elmhurst are about the same as what you would pay anywhere else in New York.
On the flip side, the expected monthly payments for an auto insurance policy in Elmhurst are above the national average. The cost of insuring a vehicle in Elmhurst is about $115 more expensive than the average rate for the rest of the U.S.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. The bill 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.
We've analyzed the average rate for Elmhurst and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure if you're getting the cheapest rate, 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 18||Not Enough Data|
The more time you've spent on the road, the more experience you have. When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, your rates may rise again in Elmhurst.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Elmhurst, the difference is around $31 a month. Based on the chart above, you can see that male drivers pay $200 on average, while female drivers typically pay $169 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Elmhurst with a single accident will pay around $190 a month. In addition, drivers with one ticket can expect to pay around $290 a month on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. 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||$211|
|15 Years or Older||$185|
The cheapest vehicles to insure in Elmhurst are usually SUVs, with each type typically costing about $172 per month.
Car owners can expect to pay an average of around $214 a month for their policy, while truck and van drivers are usually around $176 to insure each month.
The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. 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)||$198|
Generally speaking, married policyholders will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Elmhurst can be as much as $22 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$83|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $10 a month more than homeowners in Elmhurst. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Elmhurst, NY
Recent trends in car insurance for Elmhurst drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Elmhurst, car insurance rates had been decreasing from 2017-2018, when they reached a low of $179, but began to increase from 2019-2021. They finished down in 2022, at $210.
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 coverage, car insurance companies will review several factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Road Safety (total number of local car accidents)
- Amount of drivers in the area
- Rate of crime
- Community regulations
- Amount of off-street parking
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 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.
But hold on! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from the many car insurance companies offering auto coverage in Elmhurst.
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Elmhurst Insurance FAQs
What factors affect car insurance quotes in 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 driving record, address, credit score, and marital status.
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 crime rates, local laws, and parking situations 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?
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 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Elmhurst or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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