Kew Gardens, NY Car Insurance

What rates can residents of Kew Gardens expect to pay for their car insurance? How does Kew Gardens compare to the surrounding area and the rest of New York? Discover the factors that go into calculating the average cost in our writeups and charts below:

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How much is car insurance in Kew Gardens?

Coverage for your vehicle in Kew Gardens will typically run you about $12 a month more than in the rest of New York.

The average cost of insuring your vehicle in Kew Gardens is above the national rate. It's around $131 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. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. 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.

We've analyzed the average rate for Kew Gardens and broken down the different factors to help you understand what your monthly bill might look like. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Kew Gardens Car Insurance Rates by Age

It makes sense that the older you are, the more experience you have driving, right? That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Kew Gardens drivers may see their rates creep back up once they hit retirement.

Kew Gardens Car Insurance Rates by Gender

Female drivers pay, on average, slightly less than their male counterparts. The difference in average rates in Kew Gardens totals about $53 a month. Looking at the table above, you can see that female drivers pay around $175 on average, while male drivers typically pay $228 each month.

Kew Gardens Auto Insurance Rates by Driving Record

One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. In Kew Gardens, drivers with one accident on their record will experience rates around $234 a month.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Kew Gardens Insurance Rates by Vehicle

The cheapest vehicles to insure in Kew Gardens are by and large trucks and vans, with each type typically costing about $135 per month.

SUV drivers will see rates of about $197, while the rates for car owners average out to about $235 per month.

Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Kew Gardens, vehicles two-to -three years old are the most expensive to insure.

Kew Gardens Car Insurance Rates by Relationship Status

Overall, those who have settled down into marriage will pay slightly less to insure their vehicle. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Kew Gardens is no exception, with the difference totaling to around $15 a month.

Kew Gardens Car Insurance Rates by Housing Situation

Another factor taken into consideration is your housing status. In Kew Gardens, homeowners can expect to pay around $57 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 average costs.

Car Insurance Companies in Kew Gardens, NY

Recent trends in car insurance for Kew Gardens drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.

The cost of car insurance coverage in Kew Gardens had been increasing from 2018-2019, before leveling out in 2020. Insurance rates finished up in 2021, at $226 a month

How does Kew Gardens compare to neighboring areas?

Why are car insurance rates in Kew Gardens different from other areas?

Car insurance companies will take into account a number of factors when figuring out how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

• Amount of drivers in the region
• Local regulations
• General road safety (how many accidents each locality has)
• Access to off-street parking
• Area crime rates

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 Kew Gardens?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, 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 type in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer auto coverage in Kew Gardens.

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Kew Gardens Auto Insurance FAQs

What factors affect car insurance quotes in Kew Gardens?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.

Why is the cost of car insurance in Kew Gardens different from other neighboring cities?

Things like parking situations, local laws, and crime rates, 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 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?

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 Kew Gardens 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.