Howard Beach, NY Car Insurance

The average monthly cost for car insurance in Howard Beach is about $300. Learn more in our handy guide below.
Compared to their surrounding area, how do rates in Howard Beach stack up? What about against the rest of New York? What rates can residents of Howard Beach expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Howard Beach?

Area Average Monthly Car Insurance Premium
Howard Beach$300
NY$198
United States$80

Coverage for your vehicle in Howard Beach will typically run you about $102 a month more than in the rest of New York.

Similarly, Howard Beach residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $220 more expensive than the national average to insure your vehicle in Howard Beach.

Although these are the average rates for auto insurance in Howard Beach, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.

We've done the heavy lifting for you and broken down the average rate for Howard Beach so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$463
25-34$186
35-44$198
45-54$174
55-64$153
65+$251

Generally, the older you are the more experienced you are behind the wheel, right? That experience can really work in your favor when it comes to auto insurance. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. Howard Beach drivers may see their rates climb back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$319
Female$213

In general, car insurance rates for women are usually cheaper than they are for men. In Howard Beach, this difference shakes out to about $106 a month. As you can see in the table above, male drivers in the area typically pay $319 on average, while female drivers typically pay $213 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$478
Multiple Accidents$260
1 Ticket$193
Multiple Tickets$358

Rates can change drastically depending on your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. In Howard Beach, a driving record with a single accident will usually get you a rate around $478 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $193.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$241
2-3 Years$235
4-5 Years$178
6-7 Years$211
8-10 Years$203
11-14 Years$487
15 Years or Older$286

As you can see in the first table above, the cheapest vehicles to insure in Howard Beach are usually trucks and vans, which run about $160 per month.

Cars and SUV, on the other hand, usually cost about $302 to insure their vehicle.

You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Howard Beach are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$305
Married$143

More often than not, people who are married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.

At a national level, single drivers usually pay more than married couples do for auto insurance. Howard Beach follows that pattern, with the difference totaling to around $162 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$282
Rent$317
Live with parents$415

Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $35 a month more than drivers who own property in Howard Beach. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Howard Beach, NY

Recent trends in car insurance for Howard Beach drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.

Auto insurance rates in Howard Beach decreased from 2017-2018, when they reached a low of $168. Policy premiums began to increase in 2019, and this trend has continued through 2020, when rates have most recently hit $323.

How does Howard Beach compare to neighboring areas?

Why are car insurance rates in Howard Beach different from other areas?

There are several factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:

  • Road Safety (frequency of local car accidents)
  • Community laws
  • Number of drivers in the region
  • Regional crime rates
  • Off-street parking accessibility

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. 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 Howard Beach?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

But hold on! Compare.com has you covered. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies providing policies in Howard Beach in no time.

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Howard Beach Insurance FAQs

What factors affect car insurance quotes in Howard Beach?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, credit score, driving record, and marital status.

Why is the cost of car insurance in Howard Beach different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Howard Beach?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using 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?

Find your best rate in just a few minutes