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How much is car insurance in Ithaca?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Ithaca is about $119 cheaper than it is in the rest of New York.
Likewise, car insurance rates in Ithaca are more affordable than the national average. Auto insurance coverage in Ithaca is about $1 cheaper than it is for the rest of the United States.
Although these are the average car insurance rates in Ithaca, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Ithaca residents 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 Code below and find out in just 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|
|65+||Not Enough Data|
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may creep back up in Ithaca.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Ithaca, where female drivers pay around $9 more per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Ithaca, drivers with one accident on their record will experience rates around $109 a month. In addition, drivers with a single ticket on their record can expect to pay around $96 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$63|
|15 Years or Older||$64|
In Ithaca, the cheapest vehicles to insure are typically SUVs, with drivers paying around $76 per month for insurance coverage.
SUV owners will see rates of about $76, while truck and van owners by and large pay around $100 a month.
Your vehicle's age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. In Ithaca, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$83|
Generally speaking, those who are currently married will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.
In Ithaca, the difference in rates based on relationship status can be as much as $34 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$75|
One other element taken into consideration is your housing status. In Ithaca, homeowners can expect to pay around $23 a month less than those who rent. 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 Ithaca, NY
Recent trends in car insurance for Ithaca 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 Ithaca, the rates for auto insurance had been increasing from 2017-2019, before steadying out in 2020. Policy premiums finished down in 2022, at $34 per month
How does Ithaca compare to neighboring areas?
Why are car insurance rates in Ithaca different from other areas?
Car insurance companies look at a number of factors when they're choosing how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Regional laws
- Number of car accidents
- Crime levels
- Access to off-street parking
- Total amount of drivers in the area
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Ithaca?
While getting familiar with 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 hold on! Compare.com has you covered. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Ithaca in no time.
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Ithaca Insurance FAQs
What factors affect car insurance quotes in Ithaca?
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 vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Ithaca different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Ithaca?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Ithaca?
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 Ithaca 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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