Table of contents
How much is car insurance in Howard Beach?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $101 a month more expensive to insure your vehicle in Howard Beach than it is in the rest of New York.
Likewise, the expected monthly payments for an auto insurance policy in Howard Beach are above the national average. The cost of auto coverage in Howard Beach is about $219 more expensive than the national average.
While these numbers represent the average monthly payments for coverage in Howard Beach, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
We've analyzed the average rate for Howard Beach and broken down the different factors to help you understand what exactly you might be asked to pay. 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|
It's pretty safe to assume that the older you are, the more experience you have as a driver. It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay $212 more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may begin to go back up in Howard Beach.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This rings true in Howard Beach, where women pay around $109 less per month than men. As you can see in the table above, male drivers in the area typically pay $321 on average, while female drivers typically pay $212 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Howard Beach, a driving record with a single accident will usually get you a rate around $478 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $193.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$241|
|15 Years or Older||$292|
The most affordable vehicles to insure in Howard Beach are usually trucks and vans, which run about $160 per month.
SUV drivers will see rates of about $302 for auto insurance coverage, while car owners typically pay around $303 per month.
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, your monthly bill may start to dip back down. In Howard Beach, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$306|
Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Howard Beach can be as much as $163 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$415|
Another factor taken into consideration is your housing situation. Renters can expect to pay around $35 a month more than those who own their own home in Howard Beach. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Howard Beach, NY
Recent trends in car insurance for Howard Beach drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Howard Beach, car insurance rates dropped from 2017-2018, when they hit a low of $168. This shifted in 2019, when rates started to rise. This pattern has continued through the present, where rates recently reached $330.
How does Howard Beach compare to neighboring areas?
Why are car insurance rates in Howard Beach different from other areas?
Car insurance companies will take into account several factors when figuring out how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:
- Amount of drivers in the community
- Off-street parking availability
- Local crime rates
- Road Safety (total number of local car accidents)
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 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 Howard Beach?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But hold on! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in Howard Beach.
Howard Beach Insurance FAQs
What factors affect car insurance quotes in Howard Beach?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Howard Beach different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Howard Beach?
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 Howard Beach?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Howard Beach or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?