Ossining, NY Car Insurance

The average monthly cost for car insurance in Ossining is about $143. For information on policy rates, coverage, and more check out our guide below.
How does Ossining compare to the surrounding area and the rest of New York? What rates can residents of Ossining expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Ossining?

Area Average Monthly Car Insurance Premium
Ossining$143
NY$198
United States$80

As you can see in the chart above, it is around $55 a month cheaper to insure your vehicle in Ossining than it is in the rest of New York.

That being said drivers in Ossining may pay higher rates than the rest of the country. The cost of auto coverage in Ossining is about $63 more expensive than the national average.

Bear in mind that while these are the average car insurance rates for Ossining, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't worry, we've done the work for you and broken down average rates for Ossining to help you get a more accurate idea of what you'll be charged for your policy. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$161
25-34$141
35-44$146
45-54Not Enough Data
55-64$133
65+$121

Generally, the older you are, the more experienced you are on the roads, right? That experience can really work in your favor when factored into your car insurance rates. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.

You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates creep back up in Ossining.

Average Car Insurance Rates by Gender

Gender Average
Male$133
Female$156

Although female drivers pay, on average, less than male drivers for insurance coverage, Ossining actually defies this trend. While female drivers pay $156 per month for car insurance coverage, males only pay about $133.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$142
Multiple Accidents$203
1 Ticket$142
Multiple TicketsNot Enough Data

Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Ossining, a driving record with a single accident will usually get you a rate around $142 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $142.

Accidents, tickets, and other driving infractions can cost you some serious cash. 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$125
2-3 Years$133
4-5 Years$162
6-7 Years$141
8-10 Years$150
11-14 Years$124
15 Years or Older$241

The most affordable vehicles to insure in Ossining are typically SUVs, which run about $130 per month.

Truck and van drivers will see rates of about $133 to insure their vehicle, while car owners usually pay around $147 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Ossining, the most expensive vehicles to insure are vehicles fifteen years and older.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$150
Married$143
Divorced$73

On average, people who are married will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, single drivers usually pay more than married couples do for auto insurance. Ossining follows that pattern, with the difference totaling to around $7 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$105
Rent$148

One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $43 a month more than if you own your own home in Ossining. But if you live with your parents, you can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.

Car Insurance Companies in Ossining, NY

Recent trends in car insurance for Ossining drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.

The rates for auto insurance in Ossining increased from 2017-2018, before steadying out in 2019. They finished down in 2021, at $63 per month

How does Ossining compare to neighboring areas?

Why are car insurance rates in Ossining different from other areas?

There are a number of factors car insurance companies will consider when choosing how much to charge for a monthly rate. Your insurance policy will depend largely on where you live and will be influenced by things such as:

  • Area crime rates
  • Amount of drivers in the region
  • Local regulations
  • Rate of car accidents
  • 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 Ossining?

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.

Luckily, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer plans in Ossining.

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Ossining Insurance FAQs

What factors affect car insurance quotes in Ossining?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Ossining 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 Ossining?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Ossining?

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. 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 Ossining or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes