Kew Gardens, NY Car Insurance

On average, Kew Gardens drivers pay a monthly average rate of around $211 for their car insurance. For more information refer to our guide below.
How does Kew Gardens stack up to the rest of the area, or even New York as a whole? What should residents of Kew Gardens expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Kew Gardens?

Area Average Monthly Car Insurance Premium
Kew Gardens$211
NY$199
United States$81

Car insurance policies across the rest of New York are about $12 a month cheaper than the rates drivers pay in Kew Gardens.

Likewise, Kew Gardens residents will likely pay higher rates for their insurance policy than the rest of the country. It's around $130 more expensive to insure your vehicle in Kew Gardens compared to the average rate for the rest of the U.S.

While these are the average costs to insure your vehicle in Kew Gardens, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. 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.

Don't sweat it however, we've broken down average rates for Kew Gardens residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. 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$302
25-34$231
35-44$187
45-54Not Enough Data
55-64$129
65+$181

The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to auto insurance premiums, that experience pays off. In this case, 18-24-year-olds pay $121 more than drivers 65 and older.

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 climb back up a bit in Kew Gardens.

Average Car Insurance Rates by Gender

Gender Average
Male$228
Female$175

In general, car insurance rates for women are usually cheaper than they are for men. In Kew Gardens, male drivers pay about $53 more per month. As illustrated in the table above, male drivers in the area pay about $228 on average, while female drivers pay around $175 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$234
Multiple Accidents$534
1 TicketNot Enough Data
Multiple Tickets$210

Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay less than those with multiple infractions. Drivers in Kew Gardens with a single accident on their record will usually see rates around $234 a month.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$224
2-3 Years$256
4-5 Years$195
6-7 Years$235
8-10 Years$247
11-14 Years$175
15 Years or Older$147

As you can see in the first table above, the cheapest vehicles to insure in Kew Gardens are by and large trucks and vans, which run about $135 per month.

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

You can also expect to see slightly different rates depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Kew Gardens, vehicles two-to -three years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$224
Married$209
Divorced$116
Widowed$123

On average, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Kew Gardens, with married couples paying about $15 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$170
Rent$227
Live with parents$270

Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $57 a month more than homeowners in Kew Gardens. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

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

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.

In Kew Gardens, the rates for auto insurance went up from 2018-2019, before steadying out in 2020. Rates finished up in 2021, at $226 per 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 will consider when choosing 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 park your car. These include things like:

  • Rate of crime
  • Community regulations
  • Road safety
  • Off-street parking accessibility
  • Number of drivers in the region

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Kew Gardens?

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 does all of that work for you. Just put in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing policies in Kew Gardens.

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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 gender and age, but also factors like your driving record, address, credit score, and marital status.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Kew Gardens?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use 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.

Find your best rate in just a few minutes