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How much is car insurance in New Rochelle?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in New Rochelle is about $15 cheaper than it is in the rest of New York.
That being said New Rochelle residents should prepare to pay higher rates for coverage than the rest of the country. The average monthly payment in New Rochelle is about $103 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 numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
We've done the heavy lifting for you and broken down the average rate for New Rochelle so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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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 car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $169 more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. New Rochelle drivers may see their rates climb back up once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In New Rochelle, male drivers pay about $15 more per month. Looking at the table above, you can see that female drivers pay around $174 on average, while male drivers typically pay $189 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. Drivers in New Rochelle with a single accident will pay around $141 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $124.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$194|
|15 Years or Older||$232|
As you can see in the first table above, the cheapest vehicles to insure in New Rochelle are typically cars, which run about $177 per month.
Truck and van drivers will see rates of about $217, while the rates for SUV owners average out to about $193 a 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)||$188|
Overall, those who have settled down into marriage will pay slightly less to insure their vehicle. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. New Rochelle is no exception, with the difference totaling to around $28 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$361|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $24 a month more than if you own your own home in New Rochelle. Those who live with their parents, however, 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 average costs.
Car Insurance Companies in New Rochelle, NY
Recent trends in car insurance for New Rochelle drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
In New Rochelle, the rates for auto insurance had been increasing from 2017-2020, before steadying out in 2021. Rates finished up in 2022, at $159 per month
How does New Rochelle compare to neighboring areas?
Why are car insurance rates in New Rochelle different from other areas?
There are several 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 where you call home. These include things like:
- Local laws
- Amount of drivers in the community
- Prevalence of crime
- Road Safety (how many accidents each locality has)
- Access to off-street parking
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider 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 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 can handle all of this for you. Just punch in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies offering coverage in New Rochelle.
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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 you can't control like your gender and age 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?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
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 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to New Rochelle or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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