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How much is car insurance in New Rochelle?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $13 a month cheaper to insure your vehicle in New Rochelle than it is in the rest of New York.
On the flip side, drivers in New Rochelle may pay higher rates than the rest of the country. The average monthly payment in New Rochelle is about $105 more expensive than the rate for the rest of the U.S.
Although these are the average monthly costs for an auto insurance policy in New Rochelle, that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
But don't worry, we've broken down the average rate for New Rochelle residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $168 more than drivers of retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates climb back up once you hit retirement in New Rochelle.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The difference in average rates in New Rochelle totals about $17 a month. Based on the chart above, you can see that female drivers pay around $173 on average, while male drivers typically pay $190 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with clean records will obviously pay much less than those with infractions. Drivers in New Rochelle with a single accident will pay around $141 a month. Likewise, drivers with one ticket will be looking at a rate of around $124 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$194|
|15 Years or Older||$247|
In terms of affordable coverage, the cheapest vehicles to insure in New Rochelle are typically cars, at $177 per month.
SUV owners can expect to pay an average of around $195 a month for their policy, while truck and van drivers are usually around $229 to insure each month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In New Rochelle, the most expensive vehicles to insure are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$189|
On average, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. New Rochelle is no exception, with the difference totaling to around $29 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$361|
One other element taken into consideration is your living accommodations. Renters can expect to pay around $23 a month more than those who own their own home in New Rochelle. But if you live with your parents, you can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in New Rochelle, NY
Recent trends in car insurance for New Rochelle 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 picking an insurance policy.
Car insurance rates in New Rochelle had been decreasing from 2016-2017, but leveled out in 2018. They had been increasing until 2020, when they reached a high of $205, and finished down in 2021, at $105 per month.
How does New Rochelle compare to neighboring areas?
Why are car insurance rates in New Rochelle different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Off-street parking availability
- Amount of drivers
- Road Safety (total number of local car accidents)
- Area crime rates
- Area regulations
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 learn more.
How can I find the cheapest car insurance in New Rochelle?
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.
Fortunately, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer plans in New Rochelle.
New Rochelle Insurance FAQs
What factors affect car insurance quotes in New Rochelle?
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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in New Rochelle 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 New Rochelle?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 New Rochelle?
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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to New Rochelle or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.