Far Rockaway, NY Car Insurance

On average, Far Rockaway drivers pay a monthly average rate of around $256 for their car insurance. Learn more in our handy guide below.
How do rates in Far Rockaway measure up compared to neighboring areas, including New York as a whole? What should residents of Far Rockaway expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Far Rockaway?

Area Average Monthly Car Insurance Premium
Far Rockaway$256
NY$199
United States$81

As you can tell from the chart above, the cost of coverage in Far Rockaway is about $57 a month more expensive than the rest of New York.

If you're considering relocating to Far Rockaway from out of state, you may want to budget a little extra for your insurance. It's about $175 more expensive than the national average to insure your vehicle in Far Rockaway.

While these numbers are the average rates for auto insurance in Far Rockaway, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. The monthly premium 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.

Don't worry, we've done the work for you and broken down the average rates for Far Rockaway to help you understand what your monthly premium might be. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$372
25-34$223
35-44$255
45-54Not Enough Data
55-64$213
65+$215

Generally, the older you are, the more experienced you are on the roads, right? That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Drivers in Far Rockaway may see their rates creep back up a bit once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$256
Female$257

In general, car insurance rates for women are usually cheaper than they are for men. While male drivers actually pay slightly less than female drivers on their monthly auto insurance coverage, the difference in Far Rockaway is only about $1 per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$243
Multiple Accidents$359
1 Ticket$120
Multiple Tickets$168

One of the biggest factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Far Rockaway, drivers with one accident on their record will experience rates around $243 a month. In addition, drivers with a single ticket on their record can expect to pay around $120 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$248
2-3 Years$300
4-5 Years$288
6-7 Years$260
8-10 Years$218
11-14 Years$243
15 Years or Older$247

If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Far Rockaway, with drivers paying around $143 per month for auto insurance.

SUV drivers will see rates of about $245, while the rates for car owners average out to about $278 a month.

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 a few years old, however, your monthly bill may start to dip 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)$272
Married$193
Divorced$137
Widowed$114

Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.

The cost of auto insurance in Far Rockaway reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $79 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$250
Rent$263
Live with parents$161

One other element taken into consideration is your housing situation. Drivers who own property in Far Rockaway can expect to pay around $13 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

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 Far Rockaway, NY

Recent trends in car insurance for Far Rockaway drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

The cost of car insurance in Far Rockaway rose from 2016-2017, before steadying out in 2018. Car insurance rates had been increasing again recently, hitting a high of $280 in 2021.

How does Far Rockaway compare to neighboring areas?

Why are car insurance rates in Far Rockaway different from other areas?

Car insurance companies look at numerous factors when they're figuring out how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:

  • Access to off-street parking
  • Local laws
  • Road safety
  • Total number of drivers in the region
  • Crime levels

Having an awareness of these factors is critical 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 Far Rockaway?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

But wait! Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Far Rockaway.

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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 gender and age, 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?

Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Far Rockaway?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Far Rockaway?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Far Rockaway or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes