Newburgh, NY Car Insurance

On average, Newburgh drivers pay a monthly average rate of around $158 for their car insurance. Check out our guide below to find out how much you'll pay.
Compared to their surrounding area, how do rates in Newburgh stack up? What about against the rest of New York? How much can residents of Newburgh expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Newburgh?

Area Average Monthly Car Insurance Premium
Newburgh$158
NY$199
United States$81

Based on the above chart, auto insurance policies in Newburgh are about $41 a month cheaper than in the rest of New York.

Conversely, Newburgh residents should prepare to pay higher rates for coverage than the rest of the country. It's around $77 more expensive to insure your vehicle in Newburgh compared to the average rate for the rest of the U.S.

Although these are the average car insurance rates in Newburgh, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

Don't sweat it however, we've broken down average rates for Newburgh residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$280
25-34$104
35-44$113
45-54Not Enough Data
55-64$112
65+$75

The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Newburgh drivers may see their rates start to rise again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$185
Female$125

Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in average rates in Newburgh totals about $60 per month. As illustrated in the table above, female drivers in the area pay about $125 on average, while male drivers pay around $185 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$215
Multiple Accidents$176
1 Ticket$191
Multiple Tickets$73

Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Newburgh, drivers with one accident on their record will experience rates around $215 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $191.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$172
2-3 Years$157
4-5 Years$146
6-7 Years$161
8-10 Years$98
11-14 Years$222
15 Years or Older$132

If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Newburgh, with drivers paying around $100 per month for insurance coverage.

Car owners will see a monthly bill of about $168, while SUV owners typically pay around $154 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. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Newburgh are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$163
Married$141
Divorced$76
Widowed$72

More often than not, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Newburgh as well, where the difference is around $22 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$139
Rent$169
Live with parents$189

Another factor taken into consideration is your housing situation. In Newburgh, homeowners can expect to pay around $30 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

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 premiums.

Car Insurance Companies in Newburgh, NY

Recent trends in car insurance for Newburgh 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.

In Newburgh, the rates for auto insurance decreased from 2016-2018, before steadying out in 2019. Car insurance rates began decreasing again in 2020, and finished down in 2021, at $138.

How does Newburgh compare to neighboring areas?

Why are car insurance rates in Newburgh different from other areas?

There are a number of factors car insurance companies take into consideration when figuring out how much to charge for coverage. Many factors affecting your policy are based around your home address. These factors include things like:

  • Number of car accidents
  • Total amount of drivers in the area
  • Regional crime rates
  • Regional regulations
  • Off-street parking accessibility

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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 Newburgh?

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. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Newburgh.

Compare the cheapest quotes from dozens of insurance companies

Newburgh Insurance FAQs

What factors affect car insurance quotes in Newburgh?

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, marital status, and address.

Why is the cost of car insurance in Newburgh 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 Newburgh?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Newburgh?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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 Newburgh 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?

Find your best rate in just a few minutes