Table of contents
How much is car insurance in Flushing?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in New York is about $13 a month more expensive than it is in Flushing.
Conversely, Flushing residents should prepare to pay higher rates for coverage than the rest of the country. Coverage in Flushing is about $105 more expensive than it is for the rest of the U.S.
Keep in mind that these are the average auto insurance rates for Flushing, and that the rate you get could end up being something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. 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 the average rate for Flushing residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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 on the roads. When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, you may see your rates begin to increase again in Flushing.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. While male drivers actually pay a little bit less than female drivers on their monthly premiums, the difference in Flushing is only about $2 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Flushing, a driving record with a single accident will usually get you a rate around $225 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $227.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$186|
|15 Years or Older||$180|
In terms of affordable coverage, the cheapest vehicles to insure in Flushing are typically trucks and vans, at $139 per month.
Car owners can expect to pay an average of around $189 a month for their policy, while SUVs usually cost around $188 a month to insure.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In Flushing, 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)||$187|
Generally, those who have settled down into marriage will pay slightly less to insure their car. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Flushing can be as much as $11 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$129|
One other element taken into consideration is your housing situation. Those who own their own home in Flushing can expect to pay around $15 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.
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.
Car insurance rates in Flushing have been mixed as of late, they rose in 2016, decreased in 2018, and increased again in 2020, before finishing at $206 in 2021.
How does Flushing compare to neighboring areas?
Why are car insurance rates in Flushing different from other areas?
Car insurance companies will take into account 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 call home. These include things like:
- Number of drivers
- Area laws
- Rate of crime
- Availability of off-street parking
- Road Safety (how many accidents each locality has)
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. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Flushing?
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.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies providing auto coverage in Flushing.
Flushing 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 you can't control like your gender and age but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Flushing different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
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. 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 Flushing 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?