Ozone Park, NY Car Insurance

Residents of Ozone Park pay around $250 monthly for their car insurance coverage. To learn more about policy rates and coverage in the Ozone Park area, continue reading our guide below.
What rates can residents of Ozone Park expect to pay for their car insurance? Compared to their surrounding area, how do rates in Ozone Park stack up? What about against 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 Ozone Park?

Area Average Monthly Car Insurance Premium
Ozone Park$250
NY$198
United States$80

You can see in the chart above that it's around $52 a month more expensive to insure your vehicle in Ozone Park than it is in the rest of New York.

Likewise, residents of Ozone Park might expect to pay higher rates for coverage than the rest of the country. It's about $170 more for coverage in Ozone Park than in the rest of the U.S.

Although these are the average rates for auto insurance in Ozone Park, it's important to remember that you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. 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 Ozone Park 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 Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$324
25-34$255
35-44$225
45-54Not Enough Data
55-64$191
65+$311

It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to car insurance bills, that experience pays off. According to the table above, you can see that 18-24-year-olds pay around $13 more than someone who is at retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. Ozone Park drivers may see their rates creep back up a bit once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$254
Female$237

On average, female drivers pay slightly less than male drivers for car insurance. This rings true in Ozone Park, where women pay around $17 less per month than men. As illustrated in the table above, male drivers in the area pay about $254 on average, while female drivers pay around $237 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$200
Multiple Accidents$451
1 Ticket$313
Multiple Tickets$580

Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Ozone Park with a single accident will pay around $200 a month. Likewise, drivers with one ticket will be looking at a rate of around $313 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$254
2-3 Years$283
4-5 Years$277
6-7 Years$268
8-10 Years$222
11-14 Years$256
15 Years or Older$232

According to the first table above, SUVs are by and large the cheapest vehicles to insure in Ozone Park, with drivers paying around $241 per month for insurance coverage.

Truck and van drivers will see rates of about $256, while the rates for car owners average out to about $254 per month.

Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is about 5 years old. In Ozone Park, vehicles four-to-five years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$258
Married$206
Divorced$172
Widowed$194

Generally, those who are currently married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.

In Ozone Park, the difference in rates based on relationship status can be as much as $52 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$240
Rent$256
Live with parents$254

Your housing status is another component of how insurance companies calculate your monthly rate. In Ozone Park, homeowners can expect to pay around $16 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Ozone Park, NY

Recent trends in car insurance for Ozone Park drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.

The rates for auto insurance in Ozone Park went up from 2016-2017, but shifted in 2018. They decreased until 2019, when they hit a low of $192, and finished at $268 in 2021.

How does Ozone Park compare to neighboring areas?

Why are car insurance rates in Ozone Park different from other areas?

Car insurance companies will take into account a number of factors when choosing how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Total amount of drivers in the community
  • Local crime rates
  • Access to off-street parking
  • Road Safety (total number of local car accidents)
  • Community regulations

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Ozone Park?

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.

Don't worry, 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 a number of the car insurance companies that offer auto coverage in Ozone Park.

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Ozone Park Insurance FAQs

What factors affect car insurance quotes in Ozone Park?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Ozone Park 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 Ozone Park?

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 Ozone Park?

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 Ozone Park 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.

Find your best rate in just a few minutes