Liverpool, NY Car Insurance

Residents of Liverpool pay around $79 monthly for their car insurance coverage. For more information refer to our guide below.
How does Liverpool stack up to the rest of the area, or even New York as a whole? How much can residents of Liverpool expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Liverpool?

Area Average Monthly Car Insurance Premium
Liverpool$79
NY$198
United States$80

According to the chart above, the average cost of auto insurance in New York is about $119 a month more expensive than it is in Liverpool.

Compared to the rest of the country, auto insurance in Liverpool is more affordable. It's around $1 less to insure your vehicle compared to the average rate for the United States as a whole.

Although these are the average rates for auto insurance in Liverpool, that doesn't mean it's exactly what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've analyzed the average rate for Liverpool and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're getting the cheapest rate, 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$192
25-34$65
35-44$56
45-54Not Enough Data
55-64$60
65+$32

Generally speaking, the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay $160 more than someone who is at retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, you may see your rates creep back up a bit in Liverpool.

Average Car Insurance Rates by Gender

Gender Average
Male$79
Female$78

In general, female drivers pay less for car insurance than their male counterparts. While female drivers pay a little bit less than male drivers on their monthly insurance rates, the difference in Liverpool is only about $1 per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$67
Multiple Accidents$67
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Liverpool, a driving record with one accident will usually get you a rate around $67 a month.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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$49
2-3 Years$85
4-5 Years$42
6-7 Years$162
8-10 Years$71
11-14 Years$61
15 Years or Older$89

As you can see in the first table above, the cheapest vehicles to insure in Liverpool are usually SUVs, which run about $62 per month.

Truck and van drivers will see rates of about $77 to insure their car, while car owners by and large pay around $92 a month.

The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Liverpool, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$83
Married$45
Divorced$67

Generally speaking, married policyholders will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

In Liverpool, the difference in rates based on relationship status can be as much as $38 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$72
Rent$80
Live with parents$198

Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Liverpool, expect to pay around $8 a month more than if you own property. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Liverpool, NY

Recent trends in car insurance for Liverpool drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.

In Liverpool, auto insurance rates declined from 2015-2016, when they hit a low of $46. This shifted in 2018, when insurance rates started to rise. They reached a high of $85 in 2020, and finished at $75 in 2021.

How does Liverpool compare to neighboring areas?

Why are car insurance rates in Liverpool different from other areas?

Car insurance companies will take into account many factors when they're choosing how much to charge for a policy. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:

  • Off-street parking access
  • Road Safety (frequency of local car accidents)
  • Crime levels
  • Community regulations
  • Amount of drivers in the region

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. 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 Liverpool?

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. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Liverpool in no time.

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Liverpool Insurance FAQs

What factors affect car insurance quotes in Liverpool?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.

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

Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Liverpool?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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?

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 Liverpool 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