Table of contents
How much is car insurance in Far Rockaway?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Far Rockaway is about $56 a month more expensive than the rest of New York.
Drivers relocating the Far Rockaway should take note of the differences in average rates. The cost of insuring a vehicle in Far Rockaway is about $174 more expensive than the average rate for the rest of the U.S.
Although these are the average rates for auto insurance in Far Rockaway, that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
But don't worry, we've broken down average rates for Far Rockaway residents so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to your monthly premium, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement, however, you may see your rates start to rise again in Far Rockaway.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for insurance coverage, Far Rockaway actually bucks this trend. While female drivers pay $259 a month for auto insurance coverage, males only pay about $251.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Far Rockaway, a driving record with a single accident will usually get you a rate around $241 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $120.
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||$248|
|15 Years or Older||$242|
If you look at the first table above, the cheapest vehicles to insure in Far Rockaway are typically trucks and vans, at $145 per month.
Car owners will see a monthly bill of about $275, while SUV owners usually pay around $242 per month.
You can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In Far Rockaway, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$270|
More often than not, married policyholders will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
In Far Rockaway, the difference in rates based on relationship status can be as much as $78 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$161|
Another factor taken into consideration is your housing status. In Far Rockaway, homeowners can expect to pay around $10 a month less than those who rent. 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 car insurance costs, depending on your insurance company.
Car Insurance Companies in Far Rockaway, NY
Recent trends in car insurance for Far Rockaway drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
The cost of car insurance in Far Rockaway increased from 2016-2017, before leveling out in 2018. They went up again, reaching a high of $275 in 2020, and finished down at $268 in 2021.
How does Far Rockaway compare to neighboring areas?
Why are car insurance rates in Far Rockaway different from other areas?
When considering how much to charge for coverage, car insurance companies will review numerous factors. Your insurance policy will depend largely on where you live and will be influenced by things such as:
- Availability of off-street parking
- Amount of drivers in the region
- Road Safety (how many accidents each locality has)
- Area crime rates
- Community regulations
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Far Rockaway?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies providing policies in Far Rockaway.
Far Rockaway Insurance FAQs
What factors affect car insurance quotes in Far Rockaway?
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, marital status, and address.
Why is the cost of car insurance in Far Rockaway 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 Far Rockaway?
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 Far Rockaway?
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Far Rockaway 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.