Table of contents
How much is car insurance in Ozone Park?
|Area||Average Monthly Car Insurance Premium|
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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
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
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|
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.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$254|
|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|
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|
|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.
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.