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How much is car insurance in Saint Albans?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $66 a month more expensive to insure your vehicle in Saint Albans than it is in the rest of New York.
Similarly, drivers in Saint Albans may pay higher rates than the rest of the country. It's around $184 more expensive to insure your vehicle in Saint Albans compared to the average rate for the rest of the U.S.
While these are the average car insurance rates for Saint Albans, you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. 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 rate for Saint Albans residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can really work in your favor when it comes to auto insurance. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, you may see your rates rise again in Saint Albans.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Saint Albans, this difference shakes out to about $36 a month. Looking at the table above, you can see that female drivers pay around $238 on average, while male drivers typically pay $274 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 Saint Albans with one accident will pay around $309 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $202.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$195|
|15 Years or Older||$330|
If you look at the first table above, the cheapest vehicles to insure in Saint Albans are usually SUVs, at $223 per month.
Truck and van drivers will see rates of about $288 for car insurance, while SUV owners typically pay around $223 per month.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Saint Albans are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$268|
Overall, those who have settled down into marriage will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Saint Albans is no exception, with the difference totaling to around $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$149|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $51 a month more than those who own their own home in Saint Albans. But if you live with your parents, you can expect to pay a lot more.
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 Saint Albans, NY
Recent trends in car insurance for Saint Albans 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 rates for car insurance in Saint Albans rose steadily from 2016 through the present, where they reached $338 a month in 2021.
How does Saint Albans compare to neighboring areas?
Why are car insurance rates in Saint Albans different from other areas?
Car insurance companies look at several factors when they're deciding how much to charge for a policy. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Local laws
- Total amount of drivers in the area
- Road Safety (how many accidents each locality has)
- Crime rates
- Off-street parking availability
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Saint Albans?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Luckily, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Saint Albans.
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Saint Albans Insurance FAQs
What factors affect car insurance quotes in Saint Albans?
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, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Saint Albans different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Saint Albans?
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 Saint Albans?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Saint Albans or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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