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How much is car insurance in Rockaway Park?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $49 a month more expensive to insure your vehicle in Rockaway Park than it is in the rest of New York.
Likewise, drivers in Rockaway Park may pay higher rates than the rest of the country. It's around $167 more expensive to insure your vehicle in Rockaway Park compared to the average rate for the rest of the U.S.
These may be the average auto insurance rates for Rockaway Park, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
But don't worry, we've broken down the average rate for Rockaway Park residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. 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|
Generally, the older you are, the more experienced you are on the roads. When it comes to auto insurance rates, that experience pays off. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates climb back up in Rockaway Park.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Rockaway Park, this difference shakes out to about $48 per month. As you can see in the table above, female drivers in the area typically pay $223 on average, while female drivers typically pay $271 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 will pay much lower rates than those with accidents or violations. The rate for drivers in Rockaway Park with a single accident on their record is about $309 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $338.
When it comes to your monthly bill, 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||$274|
|15 Years or Older||$185|
As you can see in the first table above, the cheapest vehicles to insure in Rockaway Park are typically trucks and vans, which run about $184 per month.
Car owners, on the other hand, by and large pay around $306 a month, while SUV drivers can expect to pay about $216 per month for auto insurance coverage.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Rockaway Park, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$252|
More often than not, those who have settled down into marriage will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Rockaway Park is no exception, with the difference totaling to around $59 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$240|
One other element taken into consideration is your housing status. If you rent your home or apartment in Rockaway Park, expect to pay around $64 a month more than if you are a homeowner. But if you live with your parents, your rates will be significantly higher.
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 Rockaway Park, NY
Recent trends in car insurance for Rockaway Park drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
The cost of auto insurance coverage in Rockaway Park went up from 2018-2020, before steadying out in 2021. Policy premiums finished down in 2021, at $242 a month
How does Rockaway Park compare to neighboring areas?
Why are car insurance rates in Rockaway Park different from other areas?
Car insurance companies look at several factors when they're choosing how much to charge for a policy. Your insurance policy will depend largely on where you live and will be influenced by things such as:
- Amount of drivers
- Rate of car accidents
- Off-street parking access
- Local crime rates
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. 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 Rockaway Park?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Rockaway Park in no time.
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Rockaway Park Insurance FAQs
What factors affect car insurance quotes in Rockaway Park?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Rockaway Park different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Rockaway Park?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Rockaway Park?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Rockaway Park or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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