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How much is car insurance in Fresh Meadows?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Fresh Meadows is about $25 cheaper than it is in the rest of New York.
If you're considering relocating to Fresh Meadows from out of state, you may want to budget a little extra for your insurance. It's about $93 more expensive for coverage in Fresh Meadows than the average rates for the U.S. as a whole.
While these numbers are the average rates for auto insurance in Fresh Meadows, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
But don't worry, we've broken down the average rate for Fresh Meadows residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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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 experience you're likely to have on the roads, right? That experience can turn into some real savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may creep back up in Fresh Meadows.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Fresh Meadows, male drivers pay about $27 more per month. Looking at the table above, you can see that female drivers pay around $155 on average, while male drivers typically pay $182 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Fresh Meadows with a single accident will pay around $239 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $158 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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|
|15 Years or Older||$171|
The cheapest vehicles to insure in Fresh Meadows are by and large trucks and vans, with each type typically costing about $143 per month.
Car owners, on the other hand, typically pay around $178 a month, while SUV drivers can expect to pay about $163 per month for auto insurance coverage.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. In Fresh Meadows, 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)||$180|
More often than not, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Fresh Meadows, with married couples paying about $22 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$162|
Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $32 a month more than if you own your own home in Fresh Meadows. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Fresh Meadows, NY
Recent trends in car insurance for Fresh Meadows 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 cost of auto insurance coverage in Fresh Meadows rose consistently from 2017-2021. It finished down in 2022, at $109.
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 a monthly rate, car insurance companies will consider many factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Amount of drivers in the region
- Road safety
- Access to off-street parking
- Prevalence of crime
- Community laws
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Fresh Meadows?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Fresh Meadows.
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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 you can't control like your gender and age 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?
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 local laws, crime rates, 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 Fresh Meadows?
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 Fresh Meadows?
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 Fresh Meadows 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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