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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.
Conversely, drivers in Forest Hills may pay higher rates than the rest of the country. The cost of insuring a vehicle in Forest Hills is about $83 more expensive than the average rate for the rest of the U.S.
Although these are the average rates for auto insurance in Forest Hills, that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine 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.
Don't worry, we've done the work for you and broken down average rates for Forest Hills to help you get a more accurate idea of what you'll be charged for your policy. 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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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experienced you are on the roads. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Drivers in Forest Hills may see their rates climb back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Forest Hills, where female drivers pay around $60 more per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will obviously pay a lot less than those with infractions. In Forest Hills, having a single accident on your record will usually get you rates around $216 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $99.
Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$208|
|15 Years or Older||$180|
In terms of affordable coverage, the cheapest vehicles to insure in Forest Hills are by and large SUVs, at $158 per month.
Car owners, on the other hand, typically pay around $166 a month, while truck and van drivers can expect to pay about $164 per month to insure their car.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Forest Hills are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$165|
Generally speaking, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The cost of auto insurance in Forest Hills reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $6 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$126|
Your housing status is another factor that affects your monthly rate. Renters can expect to pay around $11 a month more than drivers who own property in Forest Hills. Those who live with their parents, however, can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in Forest Hills, NY
Recent trends in car insurance for Forest Hills drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
In Forest Hills, auto insurance rates had been decreasing from 2016-2017, before rising from 2018-2020. They finished down in 2021 at $171.
How does Forest Hills compare to neighboring areas?
Why are car insurance rates in Forest Hills different from other areas?
There are a lot of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Number of drivers in the area
- General road safety (how many accidents each locality has)
- Access to off-street parking
- Regional regulations
- Crime rates
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge 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 Forest Hills?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer policies in Forest Hills.
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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 credit score, driving record, marital status, and address.
Why is the cost of car insurance in Forest Hills different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Forest Hills?
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 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?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Forest Hills or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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