Table of contents
How much is car insurance in Forest Hills?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $35 a month cheaper to insure your vehicle in Forest Hills than it is in the rest of New York.
Compared to the national average cost of auto coverage, Forest Hills has higher rates. It's about $83 more expensive for coverage in Forest Hills than the average rates for the U.S. as a whole.
Keep in mind that these are the average auto insurance rates for Forest Hills, and that the rate you get could end up being something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
But don't worry, we've broken down the average rate for Forest Hills 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 think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Forest Hills drivers may see their rates rise again once they hit retirement age.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for car insurance coverage, this is not the case in Forest Hills, where female drivers pay around $202 per month while male drivers pay about $152.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Rates can vary wildly depending on your driving record. Those with clean records will obviously pay a lot less than those with infractions. Drivers in Forest Hills with one accident will pay around $216 a month.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$208|
|15 Years or Older||$174|
The most affordable vehicles to insure in Forest Hills are usually SUVs, which run about $142 per month.
Truck and van drivers will see rates of about $164 to insure their vehicle, while car owners by and large pay around $170 per month.
Vehicle age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is close to 5 years old. In Forest Hills, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$163|
On average, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Forest Hills as well, where the difference is around $6 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$126|
Your living accommodations is another component of how insurance companies calculate your monthly rate. Drivers who own property in Forest Hills can expect to pay around $1 a month less than those who rent. But if you live with your parents, you 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 Forest Hills, NY
Recent trends in car insurance for Forest Hills drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Forest Hills, the rates for car insurance dropped from 2016-2017, before rising from 2018-2020. They finished down in 2021 at $167.
How does Forest Hills compare to neighboring areas?
Why are car insurance rates in Forest Hills different from other areas?
When considering how much to charge for coverage, car insurance companies will review a number of factors. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Regional crime rates
- Total number of drivers
- Community laws
- Road Safety (frequency of local car accidents)
- Availability of off-street parking
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Forest Hills?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Good news! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Forest Hills.
Forest Hills Insurance FAQs
What factors affect car insurance quotes in Forest Hills?
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, address, credit score, and marital status.
Why is the cost of car insurance in Forest Hills different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Forest Hills?
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 Forest Hills?
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?
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 Forest Hills 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.