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How much is car insurance in Flushing?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Flushing is about $12 cheaper than it is in the rest of New York.
The average cost of insuring your vehicle in Flushing is above the national rate. The cost of auto coverage in Flushing is about $107 more expensive than the national average.
While these are the average car insurance rates for Flushing, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Flushing and broken down the different factors to help you understand what your monthly bill might look like. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
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Flushing Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? 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 significantly more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Flushing may see their rates start to rise again once they hit retirement age.
Flushing Car Insurance Rates by Gender
Despite the national trend of women paying less than men for car insurance coverage, in Flushing men actually pay $186 per month for coverage while women pay $190.
Flushing Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Flushing with one accident will pay around $225 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $158 on average.
Flushing Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$187|
|15 Years or Older||$191|
In Flushing, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $139 per month for insurance.
Cars and SUV, on the other hand, usually cost about $190 for auto insurance.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Flushing, the most expensive vehicles to insure are vehicles four-to-five years old.
Flushing Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$188|
Generally, those who have settled down into marriage will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Flushing as well, where the difference is around $8 a month.
Flushing Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$123|
Your housing situation is another factor that affects your monthly rate. Renters can expect to pay around $17 a month more than drivers who own property in Flushing. 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 Flushing, NY
Recent trends in car insurance for Flushing drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
In Flushing, auto insurance rates had been decreasing from 2017-2019, before rising from 2020-2021. They finished down in 2022 at $137.
How does Flushing compare to neighboring areas?
Why are car insurance rates in Flushing different from other areas?
When considering how much to charge for coverage, car insurance companies will review numerous factors. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Community laws
- Access to off-street parking
- Area crime rates
- Number of drivers in the community
- Road Safety (frequency 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 Flushing?
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 can handle all of this for you. Just put in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies offering policies in Flushing.
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Flushing Auto Insurance FAQs
What factors affect car insurance quotes in Flushing?
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, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Flushing different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, 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 Flushing?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Flushing?
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 Flushing 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.
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