Fresh Meadows, NY Car Insurance

On average, Fresh Meadows drivers pay around $173 a month for their car insurance. Check out our guide below to find out how much you'll pay.
How do rates in Fresh Meadows measure up compared to neighboring areas, including New York as a whole? What can Fresh Meadows residents expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Fresh Meadows?

Area Average Monthly Car Insurance Premium
Fresh Meadows$173
NY$198
United States$80

Compared to the rest of the New York, coverage in Fresh Meadows is about $25 a month cheaper.

Conversely, Fresh Meadows residents should prepare to pay higher rates for coverage than the rest of the country. It's about $93 more for coverage in Fresh Meadows than in the rest of the U.S.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've done the heavy lifting for you and broken down the average rate for Fresh Meadows so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$268
25-34$176
35-44$164
45-54$168
55-64$166
65+$123

It would make sense that older drivers have more driving experience, right? That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Fresh Meadows drivers may see their rates start to rise again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$181
Female$153

On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in Fresh Meadows totals about $28 a month. As illustrated in the table above, female drivers in the area pay about $153 on average, while male drivers pay around $181 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$239
Multiple Accidents$283
1 Ticket$158
Multiple TicketsNot Enough Data

Your rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Fresh Meadows with a single accident will pay around $239 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $158.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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$180
2-3 Years$174
4-5 Years$265
6-7 Years$169
8-10 Years$185
11-14 Years$131
15 Years or Older$165

In terms of affordable coverage, the cheapest vehicles to insure in Fresh Meadows are by and large trucks and vans, at $143 per month.

Car owners will see a monthly bill of about $178, while SUV owners usually pay around $160 per month.

In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Fresh Meadows are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$178
Married$160
Divorced$160

Generally, married policyholders will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Fresh Meadows is no exception, with the difference totaling to around $18 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$155
Rent$183
Live with parents$131

Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $28 a month more than those who own their own home in Fresh Meadows. But if you live with your parents, you 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 Fresh Meadows, NY

Recent trends in car insurance for Fresh Meadows drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

The rates for car insurance in Fresh Meadows decreased from 2016-2017, before increasing from 2018-2020. They finished down in 2021 at $166.

How does Fresh Meadows compare to neighboring areas?

Why are car insurance rates in Fresh Meadows different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:

  • Off-street parking access
  • Total number of drivers in the region
  • Rate of crime
  • Road safety
  • Regional laws

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Fresh Meadows?

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, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Fresh Meadows.

Compare the cheapest quotes from dozens of insurance companies

Fresh Meadows Insurance FAQs

What factors affect car insurance quotes in Fresh Meadows?

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 vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

Why is the cost of car insurance in Fresh Meadows different from other neighboring cities?

Crime rates, local laws, and parking situations -- 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 Fresh Meadows?

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 Fresh Meadows?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Fresh Meadows or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes