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How much is car insurance in Mount Vernon?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $25 a month more expensive to insure your vehicle in Mount Vernon than it is in the rest of New York.
Similarly, Mount Vernon residents will likely pay higher rates to insure their vehicle than in the rest of the country. The average monthly payment for the rest of the U.S. is about is about $143 cheaper than it is in Mount Vernon.
Although these are the average rates for auto insurance in Mount Vernon, 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. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
We've broken down the average rates for Mount Vernon to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay two times as much as drivers of 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 climb back up in Mount Vernon.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men to insure their vehicle, in Mount Vernon men actually pay $219 per month for coverage while women pay $228.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. The rate for drivers in Mount Vernon with a single accident on their record is about $265 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $276.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$219|
|15 Years or Older||$199|
In terms of affordable coverage, the cheapest vehicles to insure in Mount Vernon are typically trucks and vans, at $150 per month.
Car owners will see a monthly bill of about $234, while SUV owners usually pay around $213 a month.
Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Mount Vernon, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$228|
Generally, those who have settled down into marriage will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Mount Vernon reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $81 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$246|
Your housing status is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $51 a month more than drivers who own property in Mount Vernon. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Mount Vernon, NY
Recent trends in car insurance for Mount Vernon drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
In Mount Vernon, the rates for auto insurance dropped from 2016-2018, when they reached a low of $167, but began to increase from 2019-2020. They finished down in 2021, at $206.
How does Mount Vernon compare to neighboring areas?
Why are car insurance rates in Mount Vernon different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. Your insurance policy will depend largely on where you live and will be influenced by things such as:
- Community laws
- Off-street parking availability
- Total amount of drivers in the area
- Prevalence of crime
- Number of car accidents
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. 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 Mount Vernon?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing plans in Mount Vernon.
Mount Vernon Insurance FAQs
What factors affect car insurance quotes in Mount Vernon?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Mount Vernon 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, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Mount Vernon?
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 Mount Vernon?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Mount Vernon or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.