Jackson Heights, NY Car Insurance

On average, Jackson Heights drivers pay a monthly average rate of around $186 for their car insurance. Learn more in our handy guide below.
Are rates in Jackson Heights higher or lower than those in neighboring areas? How do they compare to the rest of New York? What rates should residents of Jackson Heights expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Jackson Heights?

Area Average Monthly Car Insurance Premium
Jackson Heights$186
NY$199
United States$81

According to the chart above, the average cost of auto insurance in New York is about $13 a month more expensive than it is in Jackson Heights.

On the other hand, Jackson Heights residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $105 more expensive than the national average to insure your vehicle in Jackson Heights.

While these numbers are the average rates for auto insurance in Jackson Heights, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.

We've analyzed the average rate for Jackson Heights and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're overpaying for your area, just enter your ZIP Code 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$293
25-34$162
35-44$200
45-54Not Enough Data
55-64$169
65+$114

It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay twice as much as someone who is retirement aged.

For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates creep back up a bit in Jackson Heights.

Average Car Insurance Rates by Gender

Gender Average
Male$188
Female$179

In general, female drivers pay less for car insurance than their male counterparts. The difference in average rates in Jackson Heights totals about $9 per month. As you can see in the chart above, car insurance for women in the area typically costs around $179 each month, while men pay $188 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$345
Multiple Accidents$239
1 Ticket$155
Multiple Tickets$213

Your driving record can have a huge impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Jackson Heights with a single accident on their record will usually see rates around $345 a month. In addition, drivers with a single ticket on their record can expect to pay around $155 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$180
2-3 Years$230
4-5 Years$193
6-7 Years$150
8-10 Years$251
11-14 Years$181
15 Years or Older$159

If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Jackson Heights, with drivers paying around $131 per month for auto insurance coverage.

SUV drivers will see rates of about $176 for insurance coverage, while car owners by and large pay around $197 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. In Jackson Heights, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$183
Married$170
Divorced$312

Generally speaking, those who have settled down into marriage will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in Jackson Heights is about $13 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$174
Rent$193
Live with parents$185

One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $19 a month more than if you own your own home in Jackson Heights. But if you live with your parents, your rates will be significantly higher.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.

Car Insurance Companies in Jackson Heights, NY

Recent trends in car insurance for Jackson Heights drivers

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

The cost of insurance in Jackson Heights rose from 2017-2019, before steadying out in 2020. Rates increased again recently, hitting a high of $560 in 2022.

How does Jackson Heights compare to neighboring areas?

Why are car insurance rates in Jackson Heights different from other areas?

There are several factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. The specifics of where you park your car will have an impact on your personal policy. This might include things like:

  • Area crime rates
  • Off-street parking accessibility
  • Road Safety (frequency of car accidents)
  • Total number of drivers in the region
  • Regional regulations

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. With the knowledge 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 particular neighborhood.

How can I find the cheapest car insurance in Jackson Heights?

Arming 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.

But hold on! Compare.com will handle the heavy lifting for you. Enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in Jackson Heights.

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Jackson Heights Insurance FAQs

What factors affect car insurance quotes in Jackson Heights?

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 Jackson Heights different from other neighboring cities?

Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations 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 Jackson Heights?

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 Jackson Heights?

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 Jackson Heights 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