Table of contents
How much is car insurance in Elmont?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $5 a month more expensive to insure your vehicle in Elmont than it is in the rest of New York.
Likewise, residents of Elmont might expect to pay higher rates for coverage than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $123 cheaper than it is in Elmont.
Keep in mind that these are the average auto insurance rates for Elmont, and that the rate you get could end up being something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
Don't sweat it however, we've broken down average rates for Elmont residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. 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|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, you may see your rates begin to go back up in Elmont.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. The difference in Elmont is around $6 per month. As you can see in the chart above, car insurance for women in the area typically costs around $198 each month, while men pay $204 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge 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 Elmont with a single accident on their record is about $271 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $406.
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, trucks and vans are usually the cheapest vehicles to insure in Elmont, with drivers paying around $157 per month to insure their vehicle.
Car owners will see a monthly bill of about $213, while SUV owners by and large pay around $188 a month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. In Elmont, 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)||$208|
Generally, married policyholders will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Elmont, with married couples paying about $41 less per 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 situation. In Elmont, homeowners can expect to pay around $14 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 costs.
Car Insurance Companies in Elmont, NY
Recent trends in car insurance for Elmont drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Elmont, the rates for auto insurance declined from 2016-2017, when they hit a low of $116, but started to rise from 2018-2019. They finished up in 2021, at $260.
How does Elmont compare to neighboring areas?
Why are car insurance rates in Elmont different from other areas?
Car insurance companies look at a number of factors when they're deciding how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:
- Amount of drivers in the community
- Regional crime rates
- Road Safety (total number of local car accidents)
- Amount of off-street parking
- Area laws
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. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Elmont?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, 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 punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing policies in Elmont.
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 gender and age, as well as your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Elmont different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Elmont?
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 Elmont?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Elmont or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.