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How much is car insurance in Elmont?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Elmont are about $4 a month more expensive than the rest of New York.
Compared to the national average cost of auto coverage, Elmont has higher rates. The average monthly payment in Elmont is about $122 more expensive than the rate for the rest of the U.S.
Although these are the average monthly costs for an auto insurance policy in Elmont, that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
We've analyzed the average rate for Elmont and broken down the different factors to help you understand what your monthly bill might look like. 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 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay $56 more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates creep back up a bit once you hit retirement in Elmont.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Elmont, the difference comes out to about $5 a month. As you can see in the chart above, car insurance for women in the area typically costs around $200 each month, while men pay $205 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Elmont with a single accident on their record will usually see rates around $271 a month. Likewise, drivers with one ticket will be looking at a rate of around $201 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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||$250|
|15 Years or Older||$210|
According to the first table above, the cheapest vehicles to insure in Elmont are usually trucks and vans, at $161 per month.
Car owners will see a monthly rate of about $213, while SUV owners by and large pay around $188 per month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Elmont, 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)||$208|
Generally speaking, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
In Elmont, the difference in rates based on relationship status can be as much as $40 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$142|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $17 a month more than if you own your own home in Elmont. But if you live with your parents, your rates will be significantly higher.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Elmont, NY
Recent trends in car insurance for Elmont 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.
Car insurance rates in Elmont decreased from 2016-2017, when they reached a low of $116. This changed in 2018, when they began to increase again. Rates finished up in 2021, at $241 a month
How does Elmont compare to neighboring areas?
Why are car insurance rates in Elmont different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a variety of factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Rate of crime
- Availability of off-street parking
- Area laws
- Total amount of drivers in the community
- Number of car accidents
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Knowing 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 Elmont?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com will handle the heavy lifting for you. Just put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer auto coverage in Elmont.
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Elmont Insurance FAQs
What factors affect car insurance quotes in Elmont?
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 driving record, credit score, address, and marital status.
Why is the cost of car insurance in Elmont different from other neighboring cities?
Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Elmont?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Elmont?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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, 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 Elmont 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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