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How much is car insurance in Poughkeepsie?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Poughkeepsie are about $77 a month cheaper than in the rest of New York.
That being said the expected monthly payments for an auto insurance policy in Poughkeepsie are above the national average. It's around $41 more expensive for coverage in Poughkeepsie than the average rates seen in the rest of the U.S.
While these numbers are the average rates for auto insurance in Poughkeepsie, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your monthly premium 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 Poughkeepsie so that you can get a more accurate idea of what your policy will cost you. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Poughkeepsie drivers may see their rates climb back up once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Poughkeepsie, this difference shakes out to about $7 per month. As illustrated in the table above, female drivers in the area pay about $118 on average, while male drivers pay around $125 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay less than those with accidents or violations. In Poughkeepsie, having a single accident on your record will usually get you rates around $126 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $128 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$156|
|15 Years or Older||$105|
In terms of affordable coverage, the cheapest vehicles to insure in Poughkeepsie are usually trucks and vans, at $107 per month.
Car owners can expect to pay an average of around $121 a month for their policy, while SUVs usually cost around $124 a month to insure.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Poughkeepsie, 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)||$124|
More often than not, married policyholders will pay slightly less for auto insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Poughkeepsie reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$148|
Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $11 a month more than those who own their own home in Poughkeepsie. But those who live at home with their parents can expect to pay significantly 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 Poughkeepsie, NY
Recent trends in car insurance for Poughkeepsie drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
In Poughkeepsie, the rates for car insurance declined from 2017-2018, before rising from 2019-2020. They finished up in 2022 at $167.
How does Poughkeepsie compare to neighboring areas?
Why are car insurance rates in Poughkeepsie different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. 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:
- Local crime rates
- Amount of drivers in the area
- Rate of car accidents
- Off-street parking accessibility
- Area regulations
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 Poughkeepsie?
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 does all of that work for you. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer auto coverage in Poughkeepsie.
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Poughkeepsie Insurance FAQs
What factors affect car insurance quotes in Poughkeepsie?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, as well as 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Poughkeepsie or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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