Maspeth, NY Car Insurance

The average cost for car insurance in Maspeth is about $175 a month. Learn more in our handy guide below.
What rates can residents of Maspeth expect to pay for their car insurance? How does Maspeth stack up to the rest of the area, or even New York as a whole? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Maspeth?

Area Average Monthly Car Insurance Premium
Maspeth$175
NY$198
United States$80

Based on the above chart, auto insurance policies in Maspeth are about $23 a month cheaper than in the rest of New York.

The average cost of insuring your vehicle in Maspeth is above the national rate. It's about $95 more for coverage in Maspeth than in the rest of the U.S.

Although these are the average car insurance rates in Maspeth, you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.

Don't sweat it however, we've broken down average rates for Maspeth residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$319
25-34$167
35-44$143
45-54Not Enough Data
55-64$183
65+$87

It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to car insurance bills, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Maspeth may see their rates begin to go back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$180
Female$163

Car insurance rates for women are generally cheaper than they are for men. This is true in Maspeth, where women pay around $17 less per month. As you can see in the chart above, car insurance for women in the area typically costs around $163 each month, while men pay $180 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$110
Multiple AccidentsNot Enough Data
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Maspeth, a driving record with one accident will usually get you a rate around $110 a month.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. 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$201
2-3 Years$213
4-5 Years$131
6-7 Years$142
8-10 Years$182
11-14 Years$110
15 Years or Older$178

The cheapest vehicles to insure in Maspeth are typically trucks and vans, with each type typically costing about $127 per month.

Car owners, on the other hand, by and large pay around $184 a month, while SUV drivers can expect to pay about $168 per month for insurance.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Maspeth are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$181
Married$140
Divorced$185
Widowed$110

Generally, those who are currently married will pay slightly less for car insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, single drivers usually pay more than married couples do for auto insurance. Maspeth follows that pattern, with the difference totaling to around $41 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$164
Rent$194

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $30 a month more than drivers who own property in Maspeth. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Maspeth, NY

Recent trends in car insurance for Maspeth drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.

Car insurance rates in Maspeth dropped from 2016-2018, but started to rise from 2019-2020, when they hit a high of $184. Car insurance rates finished down in 2021, at $113 a month.

How does Maspeth compare to neighboring areas?

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

Car insurance companies will take into account numerous factors when they're choosing how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:

  • General road safety (how many accidents each locality has)
  • Crime
  • Area laws
  • Availability of off-street parking
  • Number of drivers in the community

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge 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 particular neighborhood.

How can I find the cheapest car insurance in Maspeth?

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 will handle the heavy lifting for you. Put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in Maspeth.

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Maspeth Insurance FAQs

What factors affect car insurance quotes in Maspeth?

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

Why is the cost of car insurance in Maspeth 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 local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.

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

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

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

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?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Maspeth or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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