Medford, NY Car Insurance

On average, Medford drivers pay a monthly average rate of around $181 for their car insurance. Learn more in our handy guide below.
How does Medford stack up to the rest of the area, or even New York as a whole? What rates can residents of Medford 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 Medford?

Area Average Monthly Car Insurance Premium
Medford$181
NY$198
United States$80

Based on the chart above, you can see that coverage in Medford typically costs about $17 a month less than it does in the rest of New York.

If you're considering relocating to Medford from out of state, you may want to budget a little extra for your insurance. The average monthly payment in Medford is about $101 more expensive than the rate for the rest of the U.S.

While these are the average monthly costs for auto insurance coverage in Medford, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

We've broken down average rates for Medford to help you understand what your policy's monthly premium will cost. 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$236
25-34$219
35-44$108
45-54Not Enough Data
55-64$150
65+$104

The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates climb back up a bit once you hit retirement age in Medford.

Average Car Insurance Rates by Gender

Gender Average
Male$148
Female$215

Although female drivers pay, on average, less than male drivers to insure their vehicle, Medford actually bucks this trend. While female drivers pay $215 per month for car insurance, males only pay about $148.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$160
Multiple Accidents$319
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Medford, a driving record with a single accident will usually get you a rate around $160 a month.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$196
2-3 Years$263
4-5 Years$231
6-7 Years$146
8-10 Years$170
11-14 Years$201
15 Years or Older$115

According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Medford, with drivers paying around $81 per month for auto insurance.

SUV drivers will see rates of about $131, while the rates for car owners average out to about $193 a month.

You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Medford, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$188
Married$142
Divorced$162

On average, those who have settled down into marriage will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Medford, with married couples paying about $46 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$135
Rent$205
Live with parents$113

Your housing situation is another factor that affects your monthly rate. Renters can expect to pay around $70 a month more than those who own their own home in Medford. Those who live with their parents, however, can expect to pay a lot more.

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

Car Insurance Companies in Medford, NY

Recent trends in car insurance for Medford drivers

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

In Medford, the rates for car insurance rose consistently from 2016-2020. They finished down in 2021, at $190.

How does Medford compare to neighboring areas?

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

Car insurance companies take in numerous factors when figuring out how much individual insurance policies will cost. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:

  • Local crime rates
  • Road Safety (total number of local car accidents)
  • Regional regulations
  • Total number of drivers
  • Access to off-street parking

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Medford?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Don't worry, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from numerous car insurance companies providing coverage in Medford.

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Medford Insurance FAQs

What factors affect car insurance quotes in Medford?

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

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.

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

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 Medford?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Medford or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes