Table of contents
How much is car insurance in New Windsor?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in New Windsor is about $88 a month cheaper than it is for the rest of New York.
On the flip side, New Windsor residents will likely pay higher rates to insure their vehicle than in the rest of the country. The average monthly payment for the rest of the U.S. is about is about $30 cheaper than it is in New Windsor.
These may be the average auto insurance rates for New Windsor, but 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 to get car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
We've analyzed the average rate for New Windsor and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement your rates may climb back up in New Windsor.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This is true in New Windsor, where male drivers pay about $17 more a month. Based on the chart above, you can see that female drivers pay around $101 on average, while male drivers typically pay $118 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Rates can vary wildly depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. Drivers in New Windsor with a single accident will pay around $89 a month.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$115|
|15 Years or Older||$126|
As you can see in the first table above, the cheapest vehicles to insure in New Windsor are usually SUVs, which run about $106 per month.
Car owners, on the other hand, typically pay around $109 per month, while truck and van drivers can expect to pay about $128 a month to insure their car.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In New Windsor, 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)||$115|
The difference in rates based on relationship status in New Windsor can be as much as $25 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$160|
Another factor that comes into play is your housing situation. Homeowners in New Windsor can expect to pay around $28 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in New Windsor, NY
Recent trends in car insurance for New Windsor drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The rates for car insurance in New Windsor declined from 2016-2018, but began to increase in 2019. This trend has continued through 2021 when rates have most recently reached $192 per month.
How does New Windsor compare to neighboring areas?
Why are car insurance rates in New Windsor different from other areas?
When considering how much to charge for coverage, car insurance companies will review a number of factors. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Crime rates
- Number of car accidents
- Amount of drivers in the community
- Amount of off-street parking
- Community regulations
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in New Windsor?
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. Enter your ZIP Code below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies offering auto coverage in New Windsor.
New Windsor Insurance FAQs
What factors affect car insurance quotes in New Windsor?
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 age and gender, as well as your driving record, address, credit score, and marital status.
Why is the cost of car insurance in New Windsor different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in New Windsor?
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 New Windsor?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to New Windsor or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.