Lockport, NY Car Insurance

The average monthly cost for car insurance in Lockport is about $107. To learn more about policy rates and coverage in the Lockport area, continue reading our guide below.
How does Lockport stack up to the rest of the area, or even New York as a whole? What can Lockport residents expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Lockport?

Area Average Monthly Car Insurance Premium
Lockport$107
NY$199
United States$81

Based on the chart above, you can see that coverage in Lockport typically costs about $92 a month less than it does in the rest of New York.

On the other hand, residents of Lockport might expect to pay higher rates for coverage than the rest of the country. It's about $26 more for coverage in Lockport than in the rest of the U.S.

These rates may be the average amount drivers in Lockport pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

We've done the heavy lifting for you and broken down the average rate for Lockport so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$151
25-34$102
35-44$125
45-54Not Enough Data
55-64$83
65+$72

The longer you've been on the road, the more experienced of a driver you are. That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.

Every ten years or so you can expect to see a decline in your monthly premium. Lockport drivers may see their rates climb back up a bit once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$97
Female$116

Although female drivers pay, on average, less than male drivers for auto insurance coverage, Lockport actually bucks this trend. While female drivers pay $116 per month for car insurance coverage, males only pay about $97.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$106
Multiple Accidents$123
1 Ticket$151
Multiple TicketsNot Enough Data

Your rates can vary wildly depending on your driving record. Those with clean records can expect to pay less than those with infractions. Drivers in Lockport with a single accident on their record will usually see rates around $106 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $151.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$69
2-3 Years$99
4-5 Years$93
6-7 Years$93
8-10 Years$87
11-14 Years$124
15 Years or Older$123

The cheapest vehicles to insure in Lockport are typically SUVs, with each type typically costing about $105 per month.

Truck and van drivers will see rates of about $113, while the rates for SUV owners average out to about $105 a month.

Your vehicle's age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Lockport are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$109
Married$78
Divorced$118
Widowed$71

More often than not, people who are married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Lockport is no exception, with the difference totaling to around $31 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$90
Rent$117
Live with parents$126

Another factor taken into consideration is your housing situation. Homeowners in Lockport can expect to pay around $27 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Lockport, NY

Recent trends in car insurance for Lockport drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

Auto insurance rates in Lockport increased consistently from 2016-2020. Car insurance rates finished down in 2021, at $99.

How does Lockport compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review a number of factors. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:

  • Availability of off-street parking
  • Prevalence of crime
  • Laws
  • Road Safety (frequency of local car accidents)
  • Total amount of drivers in the community

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Realizing 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 corner of the world.

How can I find the cheapest car insurance in Lockport?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Fortunately, Compare.com will handle the heavy lifting for you. Just enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer coverage in Lockport.

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Lockport Insurance FAQs

What factors affect car insurance quotes in Lockport?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control 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 Lockport different from other neighboring cities?

Parking situations, local laws, and crime rates -- 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 Lockport?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Lockport?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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 point, no matter how much time is left on your current policy. If you're thinking about moving to Lockport or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes