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How much is car insurance in Nanuet?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in New York is about $37 a month more expensive than it is in Nanuet.
Conversely, the expected monthly payments for an auto insurance policy in Nanuet are above the national average. It's around $81 more expensive to insure your vehicle in Nanuet compared to the average rate for the rest of the U.S.
Although these are the average rates for auto insurance in Nanuet, that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
We've analyzed the average rate for Nanuet and broken down the different factors 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!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay $83 more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Drivers in Nanuet may see their rates rise again once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Nanuet, the difference is around $47 a month. Based on the chart above, you can see that male drivers pay $168 on average, while female drivers typically pay $121 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Nanuet with a single accident will pay around $240 a month. In addition, drivers with one ticket can expect to pay around $236 a month on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. 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||$114|
|15 Years or Older||$149|
The cheapest vehicles to insure in Nanuet are by and large trucks and vans, with each type typically costing about $84 per month.
Car owners, on the other hand, usually pay around $166 per month, while SUV drivers can expect to pay about $158 a month for insurance.
Your rates can also vary depending on how old your vehicle is. Newer vehicles are generally 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 Nanuet, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$163|
Generally speaking, married policyholders will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Nanuet can be as much as $5 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$157|
One other element taken into consideration is your housing situation. If you rent your home or apartment in Nanuet, expect to pay around $52 a month more than if you are a homeowner. 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 Nanuet, NY
Recent trends in car insurance for Nanuet 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.
Car insurance rates in Nanuet decreased from 2016-2017, before increasing from 2018-2019. They finished up in 2021 at $183.
How does Nanuet compare to neighboring areas?
Why are car insurance rates in Nanuet different from other areas?
When considering how much to charge for coverage, car insurance companies will review several factors. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Frequency of car accidents
- Off-street parking access
- Crime levels
- Number of drivers in the community
- Regional laws
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Nanuet?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Luckily, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Nanuet.
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Nanuet Insurance FAQs
What factors affect car insurance quotes in Nanuet?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, 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 Nanuet different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Nanuet?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Nanuet?
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 Nanuet 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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