Oakland Gardens, NY Car Insurance

The average cost for car insurance in Oakland Gardens is about $181 a month. For more information refer to our guide below.
What should residents of Oakland Gardens expect to pay for their car insurance? How does Oakland Gardens compare to the surrounding area and the rest of New York? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Oakland Gardens?

Area Average Monthly Car Insurance Premium
Oakland Gardens$181
NY$198
United States$80

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!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$220
25-34$185
35-44$150
45-54$182
55-64$131
65+$237

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

Gender Average
Male$171
Female$199

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
1 Accident$202
Multiple Accidents$128
1 Ticket$174
Multiple TicketsNot 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
2-3 Years$186
4-5 Years$197
6-7 Years$115
8-10 Years$180
11-14 Years$159
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
Married$163
Divorced$86

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
Own$175
Rent$203
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.

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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.

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