Mahopac, NY Car Insurance

Drivers in Mahopac pay, on average, $86 a month for their car insurance. To learn more about car insurance rates in the Mahopac area, read our guide below.
How does Mahopac compare to the surrounding area and the rest of New York? What rates should residents of Mahopac expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Mahopac?

Area Average Monthly Car Insurance Premium
Mahopac$86
NY$198
United States$80

The cost of coverage in Mahopac is about $112 a month cheaper than it is for the rest of New York.

On the other hand, the expected monthly payments for an auto insurance policy in Mahopac are above the national average. Coverage in Mahopac is about $6 more expensive than it is for the rest of the U.S.

Bear in mind that while these rates represent the expected monthly payments for drivers in Mahopac, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. 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 Mahopac so that you can get a more accurate idea of what your policy will cost you. 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$100
25-34$81
35-44$78
45-54Not Enough Data
55-64$117
65+$99

The older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay slightly more than drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates start to rise again once you hit retirement age in Mahopac.

Average Car Insurance Rates by Gender

Gender Average
Male$86
Female$88

Car insurance rates for women are generally cheaper than they are for men. In Mahopac, although men do pay a bit less on their monthly auto coverage, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$99
Multiple Accidents$142
1 Ticket$124
Multiple TicketsNot Enough Data

Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Mahopac with a single accident on their record will usually see rates around $99 a month. In addition, drivers with a single ticket on their record can expect to pay around $124 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$102
2-3 Years$81
4-5 Years$132
6-7 Years$103
8-10 Years$65
11-14 Years$83
15 Years or Older$73

According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Mahopac, with drivers paying around $51 per month for auto insurance.

SUV drivers will see rates of about $90, while the rates for car owners average out to about $87 per 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, your rates may start to drop back down once your car is around 5 years old. In Mahopac, vehicles four-to-five years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$91
Married$101
Divorced$60

More often than not, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

At a national level, single drivers usually pay more than married couples do for auto insurance. Mahopac follows that pattern, with the difference totaling to around $10 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$82
Rent$88
Live with parents$100

Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment in Mahopac, expect to pay around $6 a month more than if you own property. But those who live at home with their parents can expect to pay significantly more.

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

Car Insurance Companies in Mahopac, NY

Recent trends in car insurance for Mahopac 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 picking an insurance policy.

The cost of insurance in Mahopac went up from 2016-2017, before steadying out in 2018. They rose again, hitting a high of $94 in 2020, and finished down at $89 in 2021.

How does Mahopac compare to neighboring areas?

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

There are many factors car insurance companies take into consideration when choosing how much to charge for coverage. Your insurance policy will depend largely on your home address and will be influenced by things such as:

  • Crime
  • Number of car accidents
  • Amount of off-street parking
  • Amount of drivers in the area
  • Local laws

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. 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 Mahopac?

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.

But wait! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering auto coverage in Mahopac.

Compare the cheapest quotes from dozens of insurance companies

Mahopac Insurance FAQs

What factors affect car insurance quotes in Mahopac?

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 credit score, driving record, address, and marital status.

Why is the cost of car insurance in Mahopac 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, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.

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

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 Mahopac?

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?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Mahopac or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes