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How much is car insurance in Oakland Gardens?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $17 a month cheaper to insure your vehicle in Oakland Gardens than it is in the rest of New York.
If you're considering relocating to Oakland Gardens from out of state, you may want to budget a little extra for your insurance. It's about $101 more expensive for coverage in Oakland Gardens than the average rates for the U.S. as a whole.
These rates may be the average amount residents of Oakland Gardens pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
We've broken down average rates for Oakland Gardens to help you understand what your policy's monthly premium will cost. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Oakland Gardens may see their rates begin to increase again once they hit retirement.
Average Car Insurance Rates by Gender
Although women typically pay less than men do to insure their car, this is not the case in Oakland Gardens, where female drivers pay around $199 per month while male drivers pay about $171.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Oakland Gardens, having a single accident on your record will usually get you rates around $202 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $174 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$165|
|15 Years or Older||$267|
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Oakland Gardens are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$184|
Overall, people who are married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Oakland Gardens can be as much as $21 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||$110|
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 $28 a month more than if you own your own home in Oakland Gardens. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Oakland Gardens, NY
Recent trends in car insurance for Oakland Gardens 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 auto insurance in Oakland Gardens dropped from 2016-2017, but began to increase in 2018. This trend has continued through 2020 when rates have most recently reached $227.
How does Oakland Gardens compare to neighboring areas?
Why are car insurance rates in Oakland Gardens different from other areas?
There are a variety of factors car insurance companies take into consideration when choosing how much to charge for coverage. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:
- Community laws
- Off-street parking accessibility
- Total number of drivers in the community
- Road Safety (total number of local car accidents)
- Crime levels
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. With the knowledge 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 particular neighborhood.
How can I find the cheapest car insurance in Oakland Gardens?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer plans in Oakland Gardens.
Oakland Gardens Insurance FAQs
What factors affect car insurance quotes in Oakland Gardens?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Oakland Gardens different from other neighboring cities?
Things like local laws, crime rates, and parking situations, 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 Oakland Gardens?
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 Oakland Gardens?
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?
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 Oakland Gardens 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.