Plattsburgh, NY Car Insurance

On average, Plattsburgh drivers pay around $67 a month for their car insurance. Read our guide below to learn more about your specific rates.
What can Plattsburgh residents expect to pay for their car insurance? Are rates in Plattsburgh higher or lower than those in neighboring areas? How do they compare to the rest of New York? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Plattsburgh?

Area Average Monthly Car Insurance Premium
Plattsburgh$67
NY$198
United States$80

Looking at the chart above, you can see it's around $131 a month cheaper to insure your vehicle in Plattsburgh than it is in the rest of New York.

Similarly, the expected monthly payments for an auto insurance policy in Plattsburgh are below the national average. You can expect to pay about $13 below the national average for auto insurance in Plattsburgh.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your monthly premium 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 the average rates for Plattsburgh to help you understand what your monthly premium might be. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$90
25-34$64
35-44$57
45-54$55
55-64$42
65+$77

The older you are, the more experience you're likely to have on the roads, right? When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay $13 more than someone who is retirement aged.

You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, your rates may creep back up a bit in Plattsburgh.

Average Car Insurance Rates by Gender

Gender Average
Male$64
Female$76

Although women typically pay less than men do for auto insurance, this is not the case in Plattsburgh, where female drivers pay around $12 more a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$51
Multiple Accidents$64
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

Rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Plattsburgh, a driving record with one accident will usually get you a rate around $51 a month.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$53
2-3 Years$56
4-5 Years$51
6-7 Years$115
8-10 Years$105
11-14 Years$75
15 Years or Older$57

In terms of affordable coverage, the cheapest vehicles to insure in Plattsburgh are usually SUVs, at $46 per month.

Truck and van drivers will see rates of about $50, while the rates for car owners average out to about $77 per month.

You may also see different rates based on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old you may start to see your rates drop back down a bit. In Plattsburgh, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$70
Married$51

More often than not, married policyholders 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 offer special discounts for.

The difference in rates based on relationship status in Plattsburgh can be as much as $19 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$56
Rent$66
Live with parents$252

Your housing status is another component of how insurance companies calculate your monthly rate. Those who own their own home in Plattsburgh can expect to pay around $10 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

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 Plattsburgh, NY

Recent trends in car insurance for Plattsburgh drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

In Plattsburgh, the rates for auto insurance rose from 2016-2017, before leveling out in 2018. Policy premiums finished up in 2021, at $87 a month

How does Plattsburgh compare to neighboring areas?

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

Car insurance companies will take into account a variety of factors when they're deciding 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:

  • Area crime rates
  • Amount of drivers in the area
  • Access to off-street parking
  • Road Safety (frequency of car accidents)
  • Local laws

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. 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 Plattsburgh?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Good news! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from the many car insurance companies providing policies in Plattsburgh.

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Plattsburgh Insurance FAQs

What factors affect car insurance quotes in Plattsburgh?

Car insurance companies calculate quotes based on a wide array of factors. These include things 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 Plattsburgh different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.

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

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 Plattsburgh?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Plattsburgh or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes