Oakland Gardens, NY Car Insurance

Compared to their surrounding area, how do rates in Oakland Gardens stack up? What about against the rest of New York? What rates should residents of Oakland Gardens expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:

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How much is car insurance in Oakland Gardens?

The cost of coverage in Oakland Gardens is about $16 a month cheaper than it is for the rest of New York.

That being said drivers in Oakland Gardens may pay higher rates than the rest of the country. The average monthly payment in Oakland Gardens is about $103 more expensive than the rate for the rest of the U.S.

Bear in mind that while these rates are the average costs for Oakland Gardens drivers, it doesn't mean that's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.

We've done the heavy lifting for you and broken down the average rate for Oakland Gardens so that you can get a more accurate idea of what your monthly bill might be. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Oakland Gardens Car Insurance Rates by Age

For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates climb back up a bit once you hit retirement in Oakland Gardens.

Oakland Gardens Car Insurance Rates by Gender

Although women typically pay less than men do for auto insurance, this is not the case in Oakland Gardens, where female drivers pay around $24 more a month.

Oakland Gardens Auto Insurance Rates by Driving Record

Rates can vary wildly depending on your driving record. Those with clean records will obviously pay less than those with infractions. 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.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Oakland Gardens Insurance Rates by Vehicle

Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is about 5 years old. In Oakland Gardens, the most expensive vehicles to insure are vehicles fifteen years and older.

Oakland Gardens Car Insurance Rates by Relationship Status

Overall, married policyholders will pay slightly less to insure their vehicle. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

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.

Oakland Gardens Car Insurance Rates by Housing Situation

Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $38 a month more than those who own their own home in Oakland Gardens. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, 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 picking an insurance policy.

The rates for car insurance in Oakland Gardens dropped 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?

When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

• Road Safety (how many accidents each locality has)
• Total number of drivers in the community
• Area crime rates
• Regional laws
• Availability of off-street parking

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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?

While getting familiar with 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.

Good news! Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Oakland Gardens.

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Oakland Gardens Auto Insurance FAQs

What factors affect car insurance quotes in Oakland Gardens?

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 year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Oakland Gardens different from other neighboring cities?

Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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, 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 Oakland Gardens 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.