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How much is car insurance in Nanuet?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Nanuet are about $36 a month cheaper than in the rest of New York.
Compared to the national average cost of auto coverage, Nanuet has higher rates. It's about $82 more expensive than the national average to insure your vehicle in Nanuet.
These may be the average auto insurance rates for Nanuet, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. 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.
But don't worry, we've broken down the average rates for Nanuet 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay $83 more than someone who is retirement aged.
You can expect to see your monthly premium drop about once a decade or so. Drivers in Nanuet may see their rates climb back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Nanuet, this difference shakes out to about $47 per month. As you can see in the table above, male drivers in the area typically pay $168 on average, while female drivers typically pay $121 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. The rate for drivers in Nanuet with a single accident on their record is about $240 a month.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
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 will see a monthly bill of about $166, while SUV owners typically pay around $158 a month.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Nanuet are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$163|
Generally, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Nanuet, with married couples paying about $5 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$157|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $52 a month more than those who own their own home in Nanuet. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Nanuet, NY
Recent trends in car insurance for Nanuet drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
In Nanuet, car insurance rates had been decreasing from 2016-2017, before rising 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?
Car insurance companies will take into account numerous factors when they're figuring out how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Community regulations
- Road Safety (total number of local car accidents)
- Off-street parking access
- Crime rates
- Amount of drivers in the region
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. Knowing 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 Nanuet?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Nanuet.
Nanuet Insurance FAQs
What factors affect car insurance quotes in Nanuet?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, address, and marital status.
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?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Nanuet or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?