Plattsburgh, NY Car Insurance

On average, drivers in Plattsburgh pay around $64 per month for their car insurance. To learn more about policy rates and coverage in the Plattsburgh area, continue reading our guide below.
How does Plattsburgh compare to the surrounding area and the rest of New York? What rates should residents of Plattsburgh expect to pay for their car insurance? 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$64
NY$199
United States$81

Compared to the rest of the New York, coverage in Plattsburgh is about $135 a month cheaper.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Plattsburgh is rather affordable. The average monthly payment for the U.S. as a whole is about $17 more expensive than in Plattsburgh.

Although these are the average rates for auto insurance in Plattsburgh, 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 to get car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.

We've analyzed the average rate for Plattsburgh and broken down the different factors to help you understand what your monthly bill might look like. 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

Age Range Average Premium
Under 18Not Enough Data
18-24$90
25-34$57
35-44$62
45-54$55
55-64$42
65+$77

The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay about $13 more than drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates climb back up once you hit retirement in Plattsburgh.

Average Car Insurance Rates by Gender

Gender Average
Male$60
Female$77

Although female drivers pay, on average, less than male drivers to insure their car, Plattsburgh actually goes against the grain. While female drivers pay $77 a month for car insurance coverage, males only pay about $60.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$49
Multiple Accidents$64
1 Ticket$83
Multiple TicketsNot Enough Data

Depending on your driving record, your rates can vary wildly. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Plattsburgh, having a single accident on your record will usually get you rates around $49 a month. In addition, drivers with one ticket can expect to pay around $83 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. 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$53
4-5 Years$51
6-7 Years$107
8-10 Years$97
11-14 Years$67
15 Years or Older$54

If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in Plattsburgh, with drivers paying around $44 per month for insurance.

Truck and van drivers will see rates of about $52, while the rates for car owners average out to about $73 per 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. However, once your car is around 5 years old, you may start to see your monthly premium decrease. 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)$65
Married$54

Generally, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Plattsburgh is no exception, with the difference totaling to around $11 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$56
Rent$62
Live with parents$155

One other element taken into consideration is your living accommodations. If you rent your home or apartment in Plattsburgh, expect to pay around $6 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Plattsburgh, NY

Recent trends in car insurance for Plattsburgh drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

Car insurance rates in Plattsburgh decreased from 2017-2018 -- where they reached a low of $29 -- before leveling out in 2019. Policy premiums decreased again in 2020, and finished up at $83 in 2022.

How does Plattsburgh compare to neighboring areas?

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

Car insurance companies take in numerous factors when deciding how much individual insurance policies will cost. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:

  • Road Safety (how many accidents each locality has)
  • Amount of drivers
  • Availability of off-street parking
  • Local laws
  • Rate of crime

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. With the knowledge 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 Plattsburgh?

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. Put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans 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 driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Plattsburgh 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 parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.

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

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 Plattsburgh?

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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Plattsburgh or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

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