Niagara Falls, NY Car Insurance

Drivers in Niagara Falls pay, on average, $145 a month for their car insurance. To learn more about what you're likely to pay in the Niagara Falls area, read our guide below.
Compared to their surrounding area, how do rates in Niagara Falls stack up? What about against the rest of New York? What rates can residents of Niagara Falls expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Niagara Falls?

Area Average Monthly Car Insurance Premium
Niagara Falls$145
NY$199
United States$81

Car insurance coverage in Niagara Falls is about $54 cheaper than it is in the rest of New York.

On the flip side, the expected monthly payments for an auto insurance policy in Niagara Falls are above the national average. The cost of insuring a vehicle in Niagara Falls is about $64 more expensive than the average rate for the rest of the U.S.

While these are the average monthly costs for auto insurance coverage in Niagara Falls, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't sweat it however, we've broken down average rates for Niagara Falls residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not certain that you're paying the lowest option, simply enter your ZIP 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$217
25-34$138
35-44$147
45-54$135
55-64$108
65+$154

It's pretty safe to assume that the older you are, the longer you've been driving. That experience can turn into some real savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates begin to increase again in Niagara Falls.

Average Car Insurance Rates by Gender

Gender Average
Male$134
Female$161

Although female drivers pay, on average, less than male drivers for car insurance, Niagara Falls actually goes against the grain. While female drivers pay $161 a month for car insurance coverage, males only pay about $134.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$129
Multiple Accidents$186
1 Ticket$138
Multiple TicketsNot Enough Data

Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. The rate for drivers in Niagara Falls with a single accident on their record is about $129 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $138.

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$161
2-3 Years$158
4-5 Years$117
6-7 Years$141
8-10 Years$174
11-14 Years$142
15 Years or Older$148

As you can see in the first table above, the cheapest vehicles to insure in Niagara Falls are typically trucks and vans, which run about $125 per month.

SUV drivers will see rates of about $135 to insure their vehicle, while car owners usually pay around $152 per month.

You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. In Niagara Falls, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$145
Married$138
Divorced$164
Widowed$115

Overall, those who have settled down into marriage will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Niagara Falls as well, where the difference is around $7 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$134
Rent$159
Live with parents$124

Another factor taken into consideration is your housing situation. Drivers who own property in Niagara Falls can expect to pay around $25 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Niagara Falls, NY

Recent trends in car insurance for Niagara Falls drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.

In Niagara Falls, car insurance rates had been decreasing from 2017-2020, before leveling out in 2021. Car insurance rates finished down in 2022, at $112 a month

How does Niagara Falls compare to neighboring areas?

Why are car insurance rates in Niagara Falls different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Many factors affecting your policy are based around where you call home. These factors include things like:

  • Amount of drivers in the community
  • Local laws
  • Crime levels
  • Rate of car accidents
  • Off-street parking accessibility

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. 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 Niagara Falls?

While knowing 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.

Don't worry, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer auto coverage in Niagara Falls.

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Niagara Falls Insurance FAQs

What factors affect car insurance quotes in Niagara Falls?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

Why is the cost of car insurance in Niagara Falls 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, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Niagara Falls?

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 Niagara Falls?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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 point, no matter how much time is left on your current policy. If you're thinking about moving to Niagara Falls 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.

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