Maspeth, NY Car Insurance

Residents of Maspeth pay around $180 monthly for their car insurance coverage. Learn more in our handy guide below.
How does Maspeth stack up to the rest of the area, or even New York as a whole? What rates should residents of Maspeth 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 Maspeth?

Area Average Monthly Car Insurance Premium
Maspeth$180
NY$199
United States$81

According to the chart above, the average cost of auto insurance in New York is about $19 a month more expensive than it is in Maspeth.

On the other hand, the expected monthly payments for an auto insurance policy in Maspeth are above the national average. The average monthly payment in Maspeth is about $99 more expensive than the rate for the rest of the U.S.

Although these are the average rates for auto insurance in Maspeth, it's important to remember that you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. 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 Maspeth and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure if you're getting the cheapest rate for your area, 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$319
25-34$169
35-44$159
45-54Not Enough Data
55-64$195
65+$87

It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.

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 climb back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$187
Female$163

On average, female drivers pay slightly less than male drivers for car insurance. In Maspeth, this difference shakes out to about $24 per month. As you can see in the table above, male drivers in the area typically pay $187 on average, while female drivers typically pay $163 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$110
Multiple AccidentsNot Enough Data
1 Ticket$192
Multiple Tickets$91

Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Maspeth, having a single accident on your record will usually get you rates around $110 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $192.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

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$122
15 Years or Older$200

According to the first table above, the cheapest vehicles to insure in Maspeth are typically trucks and vans, at $127 per month.

Car owners, on the other hand, usually pay around $190 a month, while SUV drivers can expect to pay about $173 per month for auto insurance coverage.

You can also expect to see slightly different rates depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Maspeth, the most expensive vehicles to insure are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$185
Married$155
Divorced$185
Widowed$110

Generally speaking, those who are currently married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.

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 $30 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$164
Rent$203

One other element taken into consideration is your living situation. Renters can expect to pay around $39 a month more than drivers who own property in Maspeth. But those who live at home with their parents can expect to pay significantly more.

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

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.

The cost of car insurance coverage in Maspeth dropped from 2016-2018, when it hit a low of $117. This pattern changed in 2019, when it began to rise, and has continued on that road through the present, where car insurance rates reached a high of $194 a month.

How does Maspeth compare to neighboring areas?

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

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

  • Availability of off-street parking
  • General road safety (how many accidents each locality has)
  • Amount of drivers
  • Crime
  • Community regulations

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. 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 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 has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering coverage in Maspeth in no time.

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Maspeth Insurance FAQs

What factors affect car insurance quotes in Maspeth?

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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

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

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

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 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 point, no matter how much time is left on your current policy. If you're thinking about moving to Maspeth 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.

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