Monticello, NY Car Insurance

How do rates in Monticello measure up compared to neighboring areas, including New York as a whole? What can Monticello residents expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

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How much is car insurance in Monticello?

Based on the above chart, auto insurance policies in Monticello are about $76 a month cheaper than in the rest of New York.

On the flip side, residents of Monticello might expect to pay higher rates for coverage than the rest of the country. It's around $42 more expensive for coverage in Monticello than the average rates seen in the rest of the U.S.

While these are the average monthly costs for auto insurance coverage in Monticello, 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. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

But don't worry, we've broken down the average rates for Monticello residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can really work in your favor when factored into your car insurance rates. In this case, 18-24-year-olds pay $83 more than someone who is at retirement age.

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

Average Car Insurance Rates by Gender

Despite the national trend of women paying less than men to insure their vehicle, in Monticello men actually pay $118 per month for coverage while women pay $127.

Average Auto Insurance Rates by Driving Record

One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will obviously pay significantly less than those with infractions. Drivers in Monticello with one accident will pay around $173 a month. Similarly, drivers with one ticket will typically pay around $179 on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

You may also see different rates based on the age of your vehicle. 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 decrease. In Monticello, vehicles eight-to-ten years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

More often than not, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

The cost of auto insurance in Monticello reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $14 a month.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your housing situation. In Monticello, homeowners can expect to pay around $17 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

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 Monticello, NY

Recent trends in car insurance for Monticello drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.

In Monticello, the rates for auto insurance decreased from 2018-2019, but began to rise in 2020. This pattern has continued through 2021 when rates have most recently hit $163.

How does Monticello compare to neighboring areas?

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

When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. Many factors affecting your policy are based around your home address. These factors include things like:

• Road Safety (frequency of car accidents)
• Off-street parking availability
• Prevalence of crime
• Total number of drivers in the region
• Regional laws

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Monticello?

Arming 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.

Don't worry, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from numerous car insurance companies providing auto coverage in Monticello.

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Monticello Insurance FAQs

What factors affect car insurance quotes in Monticello?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.

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

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 by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Monticello?

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 Monticello or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?