Rego Park, NY Car Insurance

The average cost for car insurance in Rego Park is about $212 a month. To learn more about policy rates and coverage in the Rego Park area, continue reading our guide below.
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What can Rego Park residents expect to pay for their car insurance? How do rates in Rego Park measure up compared to neighboring areas, including New York as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:

How much is car insurance in Rego Park?

Area Average Monthly Car Insurance Premium
Rego Park$212
NY$199
United States$81

As you can see, car insurance policies across the rest of New York are about $13 a month cheaper than the rates drivers pay in Rego Park.

The average cost of insuring your vehicle in Rego Park is above the national rate. It's about $131 more expensive for coverage in Rego Park than the average rates for the U.S. as a whole.

These rates may be the average amount Rego Park residents pay for their insurance policy, but 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. 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 broken down average rates for Rego Park to help you understand what your policy's monthly premium will cost. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$420
25-34$147
35-44$158
45-54$241
55-64$163
65+$118

The older you are, the more experienced you are on the roads. When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay $302 more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may creep back up a bit in Rego Park.

Average Car Insurance Rates by Gender

Gender Average
Male$223
Female$178

Car insurance rates for men are usually slightly more expensive than they are for women. The difference in Rego Park is around $45 a month. As you can see in the table above, female drivers in the area typically pay $178 on average, while female drivers typically pay $223 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$215
Multiple Accidents$340
1 Ticket$301
Multiple Tickets$144

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 Rego Park, a driving record with a single accident will usually get you a rate around $215 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $301.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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$180
2-3 Years$212
4-5 Years$140
6-7 Years$182
8-10 Years$224
11-14 Years$159
15 Years or Older$371

The most affordable vehicles to insure in Rego Park are typically trucks and vans, which run about $165 per month.

Car owners can expect to pay an average of around $245 a month for their policy, while SUVs usually cost around $167 a month to insure.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, you may see your bill start to shrink a bit. In Rego Park, the most expensive vehicles to insure are vehicles fifteen years and older.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$223
Married$187
Divorced$101

Generally, people who are married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

At a national level, single drivers usually pay more than married couples do for auto insurance. Rego Park follows that pattern, with the difference totaling to around $36 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$206
Rent$213
Live with parents$134

One other element taken into consideration is your living accommodations. If you rent your home or apartment in Rego Park, expect to pay around $7 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.

Car Insurance Companies in Rego Park, NY

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.

In Rego Park, the rates for auto insurance dropped from 2017-2018, where they reached a low of $110, before leveling out in 2019. Since 2020, insurance rates have once again been decreasing and hit $184 in 2022.

How does Rego Park compare to neighboring areas?

Why are car insurance rates in Rego Park different from other areas?

There are many factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

  • Amount of off-street parking
  • Amount of drivers in the area
  • Road Safety (frequency of local car accidents)
  • Regional regulations
  • Crime rates

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Rego Park?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Luckily, Compare.com will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing auto coverage in Rego Park.


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Rego Park Insurance FAQs

What factors affect car insurance quotes in Rego Park?

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 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 Rego Park different from other neighboring cities?

Things like parking situations, local laws, 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 Rego Park?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Rego Park?

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 Rego Park 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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