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How much is car insurance in Oakland Gardens?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Oakland Gardens is about $16 a month cheaper than it is for the rest of New York.
Conversely, Oakland Gardens residents will likely pay higher rates to insure their vehicle than in the rest of the country. You can expect to pay about $102 more for your policy in Oakland Gardens.
Keep in mind that these are the average auto insurance rates for Oakland Gardens, and that the rate you get could end up being something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
But don't worry, we've broken down the average rate for Oakland Gardens 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 and find out in just minutes!
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. Once you hit retirement, however, your rates may climb back up in Oakland Gardens.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men for auto insurance coverage, in Oakland Gardens men actually pay $175 per month for coverage while women pay $199.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay a lot less than those with accidents or violations. Drivers in Oakland Gardens with a single accident on their record will usually see rates around $202 a month. Likewise, drivers with one ticket will be looking at a rate of around $174 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$162|
|15 Years or Older||$279|
Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In Oakland Gardens, vehicles fifteen years and older are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$186|
Generally, married policyholders will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Oakland Gardens is no exception, with the difference totaling to around $23 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$110|
Your housing status is another factor that affects your monthly rate. In Oakland Gardens, homeowners can expect to pay around $38 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.
Car Insurance Companies in Oakland Gardens, NY
Recent trends in car insurance for Oakland Gardens 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 rates for auto insurance in Oakland Gardens had been decreasing from 2016-2017, before increasing from 2018-2020. They finished down in 2021 at $216.
How does Oakland Gardens compare to neighboring areas?
Why are car insurance rates in Oakland Gardens different from other areas?
Car insurance companies take in several factors when deciding how much individual insurance policies will cost. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- General road safety (how many accidents each locality has)
- Off-street parking access
- Number of drivers in the community
- Regional laws
- Local crime rates
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. Knowing 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?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Good news! Compare.com can handle all of this for you. Just type in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Oakland Gardens.
Oakland Gardens Insurance FAQs
What factors affect car insurance quotes in Oakland Gardens?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Oakland Gardens 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 Oakland Gardens?
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 Oakland Gardens?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Oakland Gardens or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?