Table of contents
How much is car insurance in Endicott?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Endicott is about $116 cheaper than it is in the rest of New York.
On the other hand, residents of Endicott might expect to pay higher rates for coverage than the rest of the country. It's around $2 more expensive for coverage in Endicott than the average rates seen in the rest of the U.S.
These rates may be the average amount residents of Endicott pay for their insurance policy, but that doesn't mean it's exactly 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 gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
But don't worry, we've broken down the average rate for Endicott residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay $126 more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Drivers in Endicott may see their rates creep back up once they hit retirement age.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Endicott, although men do pay a bit less on their monthly auto coverage, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records can expect to pay significantly less than those with accidents or violations. In Endicott, a driving record with one accident will usually get you a rate around $50 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $59.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. 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||$33|
|6-7 Years||Not Enough Data|
|15 Years or Older||$88|
The most affordable vehicles to insure in Endicott are by and large trucks and vans, which run about $49 per month.
Car owners can expect to pay an average of around $86 a month for their policy, while SUVs usually cost around $82 a month to insure.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. In Endicott, vehicles fifteen years and older and eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$86|
More often than not, married policyholders will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
The difference in rates based on relationship status in Endicott is about $23 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$70|
Another factor that comes into play is your housing status. If you rent your home or apartment, expect to pay around $1 less than drivers who own property in Endicott. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Endicott, NY
Recent trends in car insurance for Endicott drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
In Endicott, the rates for car insurance dropped from 2016-2017, before steadying out in 2018. Insurance rates finished down in 2021, at $54 per month
How does Endicott compare to neighboring areas?
Why are car insurance rates in Endicott different from other areas?
There are a number of factors car insurance companies take into consideration when choosing how much to charge for coverage. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Number of car accidents
- Availability of off-street parking
- Regional laws
- Number of drivers in the area
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. 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 Endicott?
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.
Luckily, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies providing auto coverage in Endicott.
Endicott Insurance FAQs
What factors affect car insurance quotes in Endicott?
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 vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Endicott different from other neighboring cities?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Endicott?
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 Endicott?
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. 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 Endicott 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?