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How much is car insurance in Rosedale?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $91 a month more expensive to insure your vehicle in Rosedale than it is in the rest of New York.
Similarly, the expected monthly payments for an auto insurance policy in Rosedale are above the national average. It's around $209 more expensive for coverage in Rosedale than the average rates seen in the rest of the U.S.
While these are the average car insurance rates for Rosedale, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rates for Rosedale residents based on several different factors so that you can get a more accurate idea of what you might 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 have behind the wheel, the more experienced of a driver you should be. 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 $219 more than drivers of retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates climb back up a bit once you hit retirement in Rosedale.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This is true in Rosedale, where male drivers pay about $66 more a month. As illustrated in the table above, male drivers in the area pay about $307 on average, while female drivers pay around $241 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Rosedale with one accident will pay around $268 a month. Similarly, drivers with one ticket will typically pay around $230 on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$269|
|15 Years or Older||$231|
According to the first table above, SUVs are by and large the cheapest vehicles to insure in Rosedale, with drivers paying around $219 per month for insurance coverage.
Car owners, on the other hand, typically pay around $311 per month, while truck and van drivers can expect to pay about $244 a month to insure their vehicle.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. 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. In Rosedale, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$289|
Generally, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Rosedale follows that pattern, with the difference totaling to around $29 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$159|
Your housing status is another factor that affects your monthly rate. Drivers who own property in Rosedale can expect to pay around $82 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Rosedale, NY
Recent trends in car insurance for Rosedale drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of auto insurance coverage in Rosedale went up steadily from 2016-2022, where it finished at a high of $498.
How does Rosedale compare to neighboring areas?
Why are car insurance rates in Rosedale different from other areas?
Car insurance companies will take into account a number of factors when figuring out how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Regional crime rates
- Total number of drivers in the region
- Amount of off-street parking
- Frequency of car accidents
- Local regulations
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. 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 Rosedale?
While getting familiar with 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. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Rosedale in no time.
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Rosedale Insurance FAQs
What factors affect car insurance quotes in Rosedale?
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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Rosedale different from other neighboring cities?
Things like local laws, parking situations, 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 Rosedale?
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 Rosedale?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Rosedale 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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