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How much is car insurance in Poughkeepsie?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in New York is about $77 a month more expensive than it is in Poughkeepsie.
The average cost of insuring your vehicle in Poughkeepsie is above the national rate. You can expect to pay about $41 more for your policy in Poughkeepsie.
Bear in mind that while these are the average car insurance rates for Poughkeepsie, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't worry, we've done the work for you and broken down the average rates for Poughkeepsie to help you understand what your monthly premium might be. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay $110 more than someone who is retirement aged.
You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement, your rates may begin to increase again in Poughkeepsie.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Poughkeepsie, however, the difference in monthly rates for auto insurance is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Poughkeepsie, having a single accident on your record will usually get you rates around $126 a month. Likewise, drivers with one ticket will be looking at a rate of around $109 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$156|
|15 Years or Older||$106|
In terms of affordable coverage, the cheapest vehicles to insure in Poughkeepsie are by and large trucks and vans, at $107 per month.
Car and SUVs, however, both cost about the same amount for auto insurance -- around $121 a month.
Vehicle age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, your monthly bill may start to dip back down. In Poughkeepsie, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$125|
More often than not, those who have settled down into marriage will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
In Poughkeepsie, the difference in rates based on relationship status can be as much as $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$147|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $16 a month more than if you own your own home in Poughkeepsie. But if you live with your parents, you can expect to pay a lot more.
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 Poughkeepsie, NY
Recent trends in car insurance for Poughkeepsie drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Poughkeepsie, auto insurance rates went up from 2016-2017, and rose again, from 2019-2020. They finished down in 2021, at $121 per month.
How does Poughkeepsie compare to neighboring areas?
Why are car insurance rates in Poughkeepsie different from other areas?
There are a variety of factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Amount of drivers in the community
- Road Safety (frequency of car accidents)
- Community regulations
- Off-street parking access
- Crime rates
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Poughkeepsie?
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.
Luckily, 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 dozens of car insurance companies that offer plans in Poughkeepsie.
Poughkeepsie Insurance FAQs
What factors affect car insurance quotes in Poughkeepsie?
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 vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Poughkeepsie different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Poughkeepsie?
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 Poughkeepsie?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Poughkeepsie 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.