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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 $29 a month more expensive to insure your vehicle in Mount Vernon than it is in the rest of New York.
If you're considering relocating to Mount Vernon from out of state, you may want to budget a little extra for your insurance. It's around $147 more expensive to insure your vehicle in Mount Vernon compared to the average rate for the rest of the U.S.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. 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 your monthly policy payment.
Don't worry, we've done the work for you and broken down average rates for Mount Vernon to help you get a more accurate idea of what you'll be charged for your policy. To find out if you're overpaying for your area, 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 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Drivers in Mount Vernon may see their rates climb back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for auto insurance, Mount Vernon actually goes against the grain. While female drivers pay $239 per month for car insurance coverage, males only pay about $221.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Mount Vernon with one accident will pay around $262 a month. Similarly, drivers with one ticket will typically pay around $335 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$219|
|15 Years or Older||$198|
According to the first table above, the cheapest vehicles to insure in Mount Vernon are typically trucks and vans, at $150 per month.
Car owners, on the other hand, by and large pay around $243 a month, while SUV drivers can expect to pay about $212 per month to insure their vehicle.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Mount Vernon are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$234|
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 $73 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$246|
Another factor that comes into play is your housing situation. Renters can expect to pay around $60 a month more than those who own their own home in Mount Vernon. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Mount Vernon, NY
Recent trends in car insurance for Mount Vernon drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.
The cost of auto insurance in Mount Vernon dropped from 2017-2018, when it hit a low of $167, but started to rise from 2019-2021. It finished down in 2022, at $74.
How does Mount Vernon compare to neighboring areas?
Why are car insurance rates in Mount Vernon different from other areas?
There are a lot of factors car insurance companies take into consideration when choosing how much to charge for coverage. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Regional regulations
- General road safety (how many accidents each locality has)
- Area crime rates
- Number of drivers in the area
- Off-street parking access
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Mount Vernon?
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.
Good news! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Mount Vernon.
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Mount Vernon Insurance FAQs
What factors affect car insurance quotes in Mount Vernon?
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 driving record, credit score, marital status, and address.
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, 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 Mount Vernon?
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 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?
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 Mount Vernon or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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