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How much is car insurance in Saratoga Springs?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Saratoga Springs are about $127 a month cheaper than in the rest of New York.
Similarly, car insurance rates in Saratoga Springs are often favorable when viewed against the rest of the country. On average, it's about $9 less to insure your vehicle in Saratoga Springs than it is in the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Saratoga Springs, that doesn't mean it's what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But don't worry, we've broken down the average rate for Saratoga Springs residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. 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 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. That said, once you hit retirement, your rates may start to rise again in Saratoga Springs.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. This is true in Saratoga Springs, where male drivers pay about $33 more a month. As illustrated in the table above, female drivers in the area pay about $55 on average, while male drivers pay around $88 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
|Multiple Tickets||Not Enough Data|
One of the key factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Saratoga Springs, a driving record with one accident will usually get you a rate around $65 a month. Likewise, drivers with one ticket will be looking at a rate of around $29 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$85|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Saratoga Springs, with drivers paying around $45 per month for insurance coverage.
Car owners can expect to pay an average of around $78 a month for their policy, while SUVs usually cost around $69 a month to insure.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is around 5 years old you may start to see your rates drop back down a bit. In Saratoga Springs, vehicles four-to-five years old and fifteen years and older are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$74|
More often than not, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
In Saratoga Springs, the difference in rates based on relationship status can be as much as $22 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$53|
One other element taken into consideration is your housing status. Whether rent your home or own property in Saratoga Springs, you can expect to pay around $75 per month.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Saratoga Springs, NY
Recent trends in car insurance for Saratoga Springs drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
The rates for auto insurance in Saratoga Springs had been decreasing from 2017-2018, when they reached a low of $29. This shifted in 2019, when policy premiums began to increase. They hit a high of $81 in 2021, and finished down in 2022, at $54 per month.
How does Saratoga Springs compare to neighboring areas?
Why are car insurance rates in Saratoga Springs different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Area crime rates
- Number of drivers in the region
- Road Safety (frequency of local car accidents)
- 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 Saratoga Springs?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer auto coverage in Saratoga Springs.
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Saratoga Springs Insurance FAQs
What factors affect car insurance quotes in Saratoga Springs?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Saratoga Springs different from other neighboring cities?
Things like crime rates, parking situations, and local laws, 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 Saratoga Springs?
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 Saratoga Springs?
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 Saratoga Springs 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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