Middle Village, NY Car Insurance

The average monthly cost for car insurance in Middle Village is about $171. To learn more about what you're likely to pay in the Middle Village area, read our guide below.
Compared to their surrounding area, how do rates in Middle Village stack up? What about against the rest of New York? What should residents of Middle Village expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Middle Village?

Area Average Monthly Car Insurance Premium
Middle Village$171
NY$199
United States$81

Based on the chart above, you can see that coverage in Middle Village typically costs about $28 a month less than it does in the rest of New York.

On the other hand, the expected monthly payments for an auto insurance policy in Middle Village are above the national average. The average monthly payment for the rest of the U.S. is about is about $90 cheaper than it is in Middle Village.

Although these are the average car insurance rates in Middle Village, you could end up paying something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.

Don't sweat it however, we've broken down average rates for Middle Village residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. To find out if you're getting the cheapest rate, 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$222
25-34$152
35-44$166
45-54Not Enough Data
55-64$215
65+$339

For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates creep back up in Middle Village.

Average Car Insurance Rates by Gender

Gender Average
Male$168
Female$177

Although women typically pay less than men do for car insurance, this is not the case in Middle Village, where female drivers pay around $177 per month while male drivers pay about $168.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$206
Multiple Accidents$337
1 Ticket$296
Multiple Tickets$127

One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Middle Village with one accident will pay around $206 a month. In addition, drivers with a single ticket on their record can expect to pay around $296 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$181
2-3 Years$221
4-5 Years$194
6-7 Years$135
8-10 Years$160
11-14 Years$156
15 Years or Older$167

As you can see in the first table above, the cheapest vehicles to insure in Middle Village are typically SUVs, which run about $161 per month.

SUV owners will see rates of about $161, while truck and van owners by and large pay around $202 per month.

You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Middle Village, 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)$170
Married$165
Divorced$186
Widowed$87

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

On a national scale, married drivers typically pay less than single drivers for auto insurance. Middle Village is no exception, with the difference totaling to around $5 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$180
Rent$169
Live with parents$122

Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $11 less than drivers who own property in Middle Village. But if you live with your parents, your rates will be significantly higher.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Middle Village, NY

Recent trends in car insurance for Middle Village drivers

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

The cost of insurance in Middle Village had been increasing from 2016-2017, before steadying out in 2018. Car insurance rates have been increasing again recently, and rose to $182 in 2021.

How does Middle Village compare to neighboring areas?

Why are car insurance rates in Middle Village different from other areas?

There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for coverage. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Total number of drivers in the community
  • Community laws
  • Amount of off-street parking
  • Crime rates
  • Rate of car accidents

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. 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 Middle Village?

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.

Luckily, Compare.com has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Middle Village in no time.

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Middle Village Insurance FAQs

What factors affect car insurance quotes in Middle Village?

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

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, 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 Middle Village?

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 Middle Village?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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 Middle Village 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.

Find your best rate in just a few minutes