Medford, NY Car Insurance

Residents of Medford pay, on average, about $180 per month for car insurance. We cover plan rates, policies and more in our guide below.
How does Medford stack up to the rest of the area, or even New York as a whole? What rates should residents of Medford expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Medford?

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

Compared to the rest of the New York, coverage in Medford is about $19 a month cheaper.

If you're considering relocating to Medford from out of state, you may want to budget a little extra for your insurance. It's about $99 more expensive than the national average to insure your vehicle in Medford.

Although these are the average rates for auto insurance in Medford, that doesn't mean it's exactly what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But don't worry, we've broken down average rates for Medford residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$236
25-34$215
35-44$107
45-54$151
55-64$150
65+$104

It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.

You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement, your rates may creep back up a bit in Medford.

Average Car Insurance Rates by Gender

Gender Average
Male$145
Female$217

Although women typically pay less than men do for auto insurance, this is not the case in Medford, where female drivers pay around $72 more a month.

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

One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Medford, having a single accident on your record will usually get you rates around $160 a month.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. 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$196
2-3 Years$263
4-5 Years$231
6-7 Years$139
8-10 Years$170
11-14 Years$201
15 Years or Older$121

The cheapest vehicles to insure in Medford are typically trucks and vans, with each type typically costing about $114 per month.

Car owners, on the other hand, by and large pay around $195 per month, while SUV drivers can expect to pay about $127 a month for auto insurance coverage.

Depending on the age of your vehicle, you can also expect to see slightly different rates. 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 close to 5 years old. In Medford, 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)$186
Married$142
Divorced$162

More often than not, those who have settled down into marriage will pay slightly less for auto insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Medford, with married couples paying about $44 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$132
Rent$207
Live with parents$119

Another factor taken into consideration is your living situation. Renters can expect to pay around $75 a month more than drivers who own property in Medford. But if you live with your parents, you can expect to pay a lot more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.

Car Insurance Companies in Medford, NY

Recent trends in car insurance for Medford drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.

In Medford, car insurance rates increased from 2017-2020, but began to decrease in 2021. This trend has continued through 2022 when rates have most recently reached $90 per month.

How does Medford compare to neighboring areas?

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

Car insurance companies look at several factors when they're choosing how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:

  • Local regulations
  • Number of drivers
  • Road Safety (how many accidents each locality has)
  • Off-street parking availability
  • Area crime rates

Having an awareness of these factors is critical 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 Medford?

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 does all of that work for you. Just enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering policies in Medford.

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Medford Insurance FAQs

What factors affect car insurance quotes in Medford?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, address, marital status and driving record.

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 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 Medford?

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 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. 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 Medford 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