North Tonawanda, NY Car Insurance

Drivers in North Tonawanda pay, on average, $119 a month for their car insurance. To learn more about car insurance rates in the North Tonawanda area, read our guide below.
Are rates in North Tonawanda higher or lower than those in neighboring areas? How do they compare to the rest of New York? What should residents of North Tonawanda expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in North Tonawanda?

Area Average Monthly Car Insurance Premium
North Tonawanda$119
NY$198
United States$80

As you can see in the chart above, it is around $79 a month cheaper to insure your vehicle in North Tonawanda than it is in the rest of New York.

The average cost of insuring your vehicle in North Tonawanda is above the national rate. The cost of auto coverage in North Tonawanda is about $39 more expensive than the national average.

These rates may be the average amount North Tonawanda residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

But don't worry, we've broken down the average rates for North Tonawanda residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$224
25-34$108
35-44$86
45-54$126
55-64$73
65+$41

It makes sense that the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay twice as much as 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 creep back up a bit in North Tonawanda.

Average Car Insurance Rates by Gender

Gender Average
Male$136
Female$99

Female drivers pay, on average, slightly less than their male counterparts. In North Tonawanda, male drivers pay about $37 more a month. As illustrated in the table above, male drivers in the area pay about $136 on average, while female drivers pay around $99 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$139
Multiple Accidents$186
1 Ticket$160
Multiple TicketsNot Enough Data

One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in North Tonawanda with a single accident will pay around $139 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $160 on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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$132
2-3 Years$167
4-5 Years$101
6-7 Years$97
8-10 Years$134
11-14 Years$99
15 Years or Older$123

If you look at the first table above, the cheapest vehicles to insure in North Tonawanda are usually trucks and vans, at $47 per month.

SUV drivers will see rates of about $109 for car insurance, while car owners by and large pay around $128 per month.

The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is around 5 years old. In North Tonawanda, vehicles two-to -three years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$125
Married$62
Divorced$52

On average, 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 some companies will reward with discounts.

At a national level, single drivers usually pay more than married couples do for auto insurance. North Tonawanda follows that pattern, with the difference totaling to around $63 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$86
Rent$131
Live with parents$175

Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in North Tonawanda, expect to pay around $45 a month more than if you own property. But if you live with your parents, you can expect to pay a lot more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in North Tonawanda, NY

Recent trends in car insurance for North Tonawanda 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 choosing your car insurance policy.

The cost of insurance in North Tonawanda decreased from 2016-2019, before leveling out in 2020. Rates finished down in 2021, at $73 a month

How does North Tonawanda compare to neighboring areas?

Why are car insurance rates in North Tonawanda different from other areas?

There are several factors car insurance companies take into consideration when deciding how much to charge for coverage. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Road Safety (total number of local car accidents)
  • Amount of off-street parking
  • Area crime rates
  • Laws
  • Amount of drivers

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in North Tonawanda?

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.

Luckily, 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 a bulk of the car insurance companies that offer auto coverage in North Tonawanda.

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North Tonawanda Insurance FAQs

What factors affect car insurance quotes in North Tonawanda?

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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.

Why is the cost of car insurance in North Tonawanda different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in North Tonawanda?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to North Tonawanda?

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. 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 North Tonawanda 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