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How much is car insurance in Newburgh?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the New York, coverage in Newburgh is about $38 a month cheaper.
That being said drivers in Newburgh may pay higher rates than the rest of the country. It's about $80 more expensive for coverage in Newburgh than the average rates for the U.S. as a whole.
While these numbers are the average rates for auto insurance in Newburgh, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. 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.
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 the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay $199 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may creep back up a bit in Newburgh.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. This is true in Newburgh, where male drivers pay about $60 more a month. As you can see in the table above, male drivers in the area typically pay $185 on average, while female drivers typically pay $125 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Newburgh with one accident will pay around $215 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $258 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$172|
|15 Years or Older||$134|
In terms of affordable coverage, the cheapest vehicles to insure in Newburgh are by and large trucks and vans, at $79 per month.
SUV drivers will see rates of about $154, while the rates for car owners average out to about $171 per month.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Newburgh, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$166|
On average, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Newburgh, with married couples paying about $25 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$210|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $36 a month more than drivers who own property in Newburgh. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Newburgh, NY
Recent trends in car insurance for Newburgh drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
Car insurance rates in Newburgh had been decreasing from 2016-2018, before leveling out in 2019. Policy premiums began decreasing again in 2020, and finished down in 2021, at $149.
How does Newburgh compare to neighboring areas?
Why are car insurance rates in Newburgh different from other areas?
There are a variety of factors car insurance companies take into consideration when deciding how much to charge for coverage. Where you live will also have a significant impact on your personal policy. This may include things like:
- Access to off-street parking
- Road safety
- Total amount of drivers in the area
- Community regulations
- Rate of crime
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Newburgh?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer coverage in Newburgh.
Newburgh Insurance FAQs
What factors affect car insurance quotes in Newburgh?
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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Newburgh 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 crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Newburgh?
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 Newburgh?
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Newburgh 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.