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How much is car insurance in Rockaway Park?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Rockaway Park is about $49 a month more expensive than the rest of New York.
Likewise, Rockaway Park residents will likely pay higher rates for their insurance policy than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $167 cheaper than it is in Rockaway Park.
While these are the average car insurance rates for Rockaway Park, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Your policy's monthly price 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 Rockaway Park to help you understand what your policy's monthly premium will cost. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
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 more experience you have as a driver. That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement age, your rates may 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, the difference is around $50 per month. Based on the chart above, you can see that male drivers pay $271 on average, while female drivers typically pay $221 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. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Rockaway Park with one accident will pay around $303 a month. Likewise, drivers with one ticket will be looking at a rate of around $413 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$274|
|15 Years or Older||$179|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Rockaway Park, with drivers paying around $182 per month to insure their vehicle.
SUV drivers will see rates of about $216, while the rates for car owners average out to about $304 a month.
You can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Rockaway Park, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$252|
On average, married policyholders will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
The cost of auto insurance in Rockaway Park reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $59 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$240|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $64 a month more than those who own their own home in Rockaway Park. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Rockaway Park, NY
Recent trends in car insurance for Rockaway Park drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
In Rockaway Park, the rates for auto insurance had been increasing from 2018-2020, before steadying out in 2021. Car insurance rates finished down in 2021, at $233 per 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 numerous factors when they're figuring out how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Area laws
- Access to off-street parking
- Road Safety (how many accidents each locality has)
- Prevalence of crime
- Total number of drivers in the community
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Rockaway 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.
But wait! Compare.com will handle the heavy lifting for you. Put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer policies in Rockaway Park.
Rockaway Park Insurance FAQs
What factors affect car insurance quotes in Rockaway Park?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Rockaway Park different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
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?
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?
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 Rockaway Park 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.