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How much is car insurance in Middle Village?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the New York, coverage in Middle Village is about $28 a month cheaper.
Conversely, Middle Village residents should prepare to pay higher rates for coverage than the rest of the country. It's about $90 more expensive for coverage in Middle Village than the average rates for the U.S. as a whole.
Bear in mind that while these rates represent the expected monthly payments for residents of Middle Village, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
But don't worry, we've broken down the average rate for Middle Village residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates rise again in Middle Village.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Middle Village defies this trend. Female drivers typically pay around $11 more a month for insurance coverage than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Middle Village with one accident will pay around $206 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $296.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$181|
|15 Years or Older||$162|
In Middle Village, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $157 per month for insurance coverage.
SUV owners can expect to pay an average of around $157 a month for their policy, while truck and van drivers are usually around $256 to insure each month.
Your vehicle's age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is around 5 years old. 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|
At a national level, single drivers usually pay more than married couples do for auto insurance. Middle Village follows that pattern, with the difference totaling to around $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$122|
Your housing situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $20 a month less than drivers who own property in Middle Village. 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 average premiums.
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.
Auto insurance rates in Middle Village increased from 2016-2017, before leveling out in 2018. Rates have been increasing again recently, and were up to $188 in 2021.
How does Middle Village compare to neighboring areas?
Why are car insurance rates in Middle Village different from other areas?
Car insurance companies will take into account numerous factors when they're figuring out how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:
- Number of car accidents
- Local crime rates
- Total number of drivers in the area
- Amount of off-street parking
- Area regulations
An awareness of these factors is important 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 Middle Village?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com will handle the heavy lifting for you. Just enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer policies in Middle Village.
Middle Village Insurance FAQs
What factors affect car insurance quotes in Middle Village?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Middle Village different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Middle Village?
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 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.