Table of contents
How much is car insurance in Kew Gardens?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $15 a month more expensive to insure your vehicle in Kew Gardens than it is in the rest of New York.
Compared to the national average cost of auto coverage, Kew Gardens has higher rates. It's around $133 more expensive to insure your vehicle in Kew Gardens compared to the average rate for the rest of the U.S.
Although these are the average rates for auto insurance in Kew Gardens, it's important to remember that you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
Don't worry, we've done the work for you and broken down the average rates for Kew Gardens to help you understand what your monthly premium might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, you may see your rates climb back up in Kew Gardens.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. This is true in Kew Gardens, where male drivers pay about $53 more a month. As you can see in the chart above, car insurance for women in the area typically costs around $175 each month, while men pay $228 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will obviously pay a lot less than those with infractions. In Kew Gardens, having a single accident on your record will usually get you rates around $234 a month.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$224|
|15 Years or Older||$144|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Kew Gardens, with drivers paying around $135 per month for insurance.
SUV drivers will see rates of about $203, while the rates for car owners average out to about $235 per month.
Your rates can also vary depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Kew Gardens, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$224|
Generally, people who are married will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Kew Gardens can be as much as $18 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
One other element taken into consideration is your living accommodations. Drivers who own property in Kew Gardens can expect to pay around $65 a month less than those who rent. 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 Kew Gardens, NY
Recent trends in car insurance for Kew Gardens 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.
In Kew Gardens, the rates for auto insurance rose from 2018-2019, before leveling out in 2020. Policy premiums finished up in 2021, at $266 a month
How does Kew Gardens compare to neighboring areas?
Why are car insurance rates in Kew Gardens different from other areas?
There are a number of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:
- Total amount of drivers in the area
- Rate of crime
- Road Safety (frequency of car accidents)
- Amount of off-street parking
- Area laws
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. 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 Kew Gardens?
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.
Fortunately, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Kew Gardens.
Kew Gardens Insurance FAQs
What factors affect car insurance quotes in Kew Gardens?
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 Kew Gardens 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 Kew Gardens?
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 Kew Gardens?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Kew Gardens or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.