Port Chester, NY Car Insurance

The average monthly cost for car insurance in Port Chester is about $138. For information on policy rates, coverage, and more check out our guide below.
What should residents of Port Chester expect to pay for their car insurance? Compared to their surrounding area, how do rates in Port Chester stack up? What about against 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 Port Chester?

Area Average Monthly Car Insurance Premium
Port Chester$138
NY$198
United States$80

Based on the chart above, you can see that coverage in Port Chester typically costs about $60 a month less than it does in the rest of New York.

Drivers relocating the Port Chester should take note of the differences in average rates. It's about $58 more expensive than the national average to insure your vehicle in Port Chester.

These may be the average auto insurance rates for Port Chester, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've done the heavy lifting for you and broken down the average rate for Port Chester so that you can get a more accurate idea of what your policy will cost you. 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$196
25-34$100
35-44$110
45-54$114
55-64$95
65+$84

It makes sense that older drivers would have more experience behind the wheel, right? When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay $112 more than drivers of retirement age.

You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, you may see your rates climb back up in Port Chester.

Average Car Insurance Rates by Gender

Gender Average
Male$138
Female$136

In general, female drivers pay less for car insurance than their male counterparts. While female drivers pay a little bit less than male drivers on their monthly insurance rates, the difference in Port Chester is only about $2 a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$115
Multiple Accidents$146
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Port Chester, a driving record with a single accident will usually get you a rate around $115 a month.

Accidents, tickets, and other driving infractions can really hurt your wallet. 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$165
2-3 Years$156
4-5 Years$117
6-7 Years$142
8-10 Years$129
11-14 Years$113
15 Years or Older$131

If you look at the first table above, the cheapest vehicles to insure in Port Chester are typically trucks and vans, at $73 per month.

SUV drivers will see rates of about $140 for car insurance coverage, while car owners usually pay around $148 per month.

The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. In Port Chester, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$145
Married$80

More often than not, those who have settled down into marriage will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Port Chester, with married couples paying about $65 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$124
Rent$142
Live with parents$140

Another factor taken into consideration is your housing situation. Renters can expect to pay around $18 a month more than homeowners in Port Chester. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Port Chester, NY

Recent trends in car insurance for Port Chester drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

In Port Chester, the rates for car insurance dropped from 2016-2017, before leveling out in 2018. Insurance rates finished down in 2021, at $99 a month

How does Port Chester compare to neighboring areas?

Why are car insurance rates in Port Chester different from other areas?

There are several factors car insurance companies take into consideration when choosing how much to charge for coverage. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:

  • Off-street parking accessibility
  • Total drivers
  • Frequency of car accidents
  • Prevalence of crime
  • Laws

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Realizing 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 corner of the world.

How can I find the cheapest car insurance in Port Chester?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Fortunately, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Port Chester.

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Port Chester Insurance FAQs

What factors affect car insurance quotes in Port Chester?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

Why is the cost of car insurance in Port Chester different from other neighboring cities?

Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Port Chester?

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. 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 Port Chester 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