Ozone Park, NY Car Insurance

How does Ozone Park compare to the surrounding area and the rest of New York? What can Ozone Park residents expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:

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How much is car insurance in Ozone Park?

Based on the information in the chart above, you can see that on average, it's about $54 a month more expensive to insure your vehicle in Ozone Park than it is in the rest of New York.

Similarly, the expected monthly payments for an auto insurance policy in Ozone Park are above the national average. It's around $172 more expensive for coverage in Ozone Park than the average rates seen in the rest of the U.S.

Bear in mind that while these rates are the average costs for residents of Ozone Park, it doesn't mean that's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

We've done the heavy lifting for you and broken down the average rate for Ozone Park so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

The more time you've spent on the road, the more experience you have. That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay about $13 more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Drivers in Ozone Park may see their rates begin to increase again once they hit retirement.

Average Car Insurance Rates by Gender

On average, female drivers pay slightly less than male drivers for car insurance. The difference in Ozone Park is around $5 a month. Looking at the table above, you can see that female drivers pay around $249 on average, while male drivers typically pay $254 each month.

Average Auto Insurance Rates by Driving Record

Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Ozone Park, a driving record with one accident will usually get you a rate around $246 a month. In addition, drivers with a single ticket on their record can expect to pay around $238 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

In Ozone Park, the cheapest vehicles to insure are usually SUVs, with drivers paying around $245 per month to insure their vehicle.

Meanwhile, Ozone Park drivers who own a car, truck, or van, can expect to pay about $256 for insurance coverage.

In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Ozone Park, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Generally speaking, those who are currently married will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.

According to the table above, the difference in rates based on relationship status in Ozone Park can be as much as $53 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Your living situation is another factor that affects your monthly rate. Those who own their own home in Ozone Park can expect to pay around $20 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

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 choosing your car insurance policy.

Policy premiums in Ozone Park have been mixed recently. They increased in 2016, decreased in 2018, and rose again in 2020, before finishing at $302 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 numerous factors when they're deciding how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:

• Rate of crime
• General road safety (how many accidents each locality has)
• Availability of off-street parking
• Number of drivers in the region
• Local regulations

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

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

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.

Fortunately, Compare.com can handle all of this for you. Just enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies offering coverage in Ozone Park.

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Ozone Park Insurance FAQs

What factors affect car insurance quotes in Ozone Park?

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

Why is the cost of car insurance in Ozone Park different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Ozone Park?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Ozone Park?

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 time, regardless of how long is left on your current policy. So, if you've recently moved to Ozone Park or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.