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How much is car insurance in Queens Village?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of New York are about $40 a month cheaper than the rates drivers pay in Queens Village.
Similarly, residents of Queens Village might expect to pay higher rates for coverage than the rest of the country. It's around $158 more expensive to insure your vehicle in Queens Village compared to the average rate for the rest of the U.S.
Although these are the average rates for auto insurance in Queens Village, that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Queens Village and broken down the different factors to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you've spent on the road, the more experience you have. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Queens Village may see their rates creep back up once they hit retirement.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in Queens Village is around $6 a month. As illustrated in the table above, female drivers in the area pay about $234 on average, while male drivers pay around $240 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with clean records can expect to pay less than those with infractions. In Queens Village, a driving record with one accident will usually get you a rate around $287 a month. In addition, drivers with one ticket can expect to pay around $254 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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||$223|
|15 Years or Older||$242|
If you look at the first table above, the cheapest vehicles to insure in Queens Village are usually SUVs, at $208 per month.
SUV owners can expect to pay an average of around $208 a month for their policy, while truck and van drivers are usually around $247 to insure each month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Queens Village are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$241|
Overall, people who are married will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.
According to the table above, the difference in rates based on relationship status in Queens Village can be as much as $19 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$246|
Another factor taken into consideration is your housing status. Renters can expect to pay around $3 a month less than those who own their own home in Queens Village. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
Car Insurance Companies in Queens Village, NY
Recent trends in car insurance for Queens Village 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.
The rates for auto insurance in Queens Village rose from 2016-2019, before leveling out in 2020. They finished up in 2021, at $259 per month
How does Queens Village compare to neighboring areas?
Why are car insurance rates in Queens Village different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Regional laws
- Crime levels
- Total amount of drivers in the community
- Off-street parking availability
- Number of car accidents
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Queens Village?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in Queens Village.
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Queens Village Insurance FAQs
What factors affect car insurance quotes in Queens Village?
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, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Queens Village different from other neighboring cities?
Things like crime rates, local laws, and parking situations, 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 Queens Village?
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 Queens Village?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Queens Village 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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