Flushing, NY Car Insurance

The average cost for car insurance in Flushing is about $187 a month. For more information refer to our guide below.
What should residents of Flushing expect to pay for their car insurance? How does Flushing compare to the surrounding area and the rest of New York? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Flushing?

Area Average Monthly Car Insurance Premium
Flushing$187
NY$199
United States$81

Compared to the rest of the New York, coverage in Flushing is about $12 a month cheaper.

On the other hand, Flushing residents should prepare to pay higher rates for coverage than the rest of the country. Coverage in Flushing is about $106 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. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.

Don't worry, we've done the work for you and broken down the average rates for Flushing to help you understand what your monthly premium might be. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$276
25-34$182
35-44$175
45-54$160
55-64$156
65+$197

It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may creep back up in Flushing.

Average Car Insurance Rates by Gender

Gender Average
Male$187
Female$190

On average, female drivers pay slightly less than male drivers for car insurance. In Flushing, however, men actually pay slightly less than female drivers to insure their vehicle.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$225
Multiple Accidents$241
1 Ticket$158
Multiple Tickets$174

Your rates can change quite drastically depending on 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 Flushing, a driving record with one accident will usually get you a rate around $225 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $158.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$187
2-3 Years$211
4-5 Years$214
6-7 Years$171
8-10 Years$168
11-14 Years$180
15 Years or Older$191

If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Flushing, with drivers paying around $139 per month for insurance.

SUV drivers will see rates of about $190, while the rates for car owners average out to about $191 a month.

Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. 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)$189
Married$180
Divorced$198
Widowed$141

More often than not, people who are married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

The cost of auto insurance in Flushing reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $9 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$177
Rent$192
Live with parents$123

Another factor taken into consideration is your living accommodations. If you rent your home or apartment in Flushing, expect to pay around $15 a month more than if you own property. 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 costs.

Car Insurance Companies in Flushing, NY

Recent trends in car insurance for Flushing drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The rates for car insurance in Flushing declined from 2017-2019, before increasing from 2020-2021. They finished down in 2022 at $169.

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 many factors when they're deciding how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Off-street parking accessibility
  • Number of drivers in the area
  • Road Safety (frequency of local car accidents)
  • Regional laws
  • Rate of crime

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Flushing?

Equipping 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.

Good news! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Flushing.

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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 like your age and gender, but also factors like your driving record, address, credit score, 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?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Flushing?

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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Flushing or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

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