Table of contents
How much is car insurance in South Ozone Park?
|Area||Average Monthly Car Insurance Premium|
|South Ozone Park||$274|
You can see in the chart above that it's around $76 a month more expensive to insure your vehicle in South Ozone Park than it is in the rest of New York.
Likewise, South Ozone Park residents should prepare to pay higher rates for coverage than the rest of the country. It's around $194 more expensive for coverage in South Ozone Park than the average rates seen in the rest of the U.S.
These rates may be the average amount drivers in South Ozone Park pay for their insurance policy, 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 coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But worry not, we've done the heavy lifting and broken down the average rate for South Ozone Park to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can snag you some serious savings 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 a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates rise again in South Ozone Park.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The difference in South Ozone Park is about $41 per month. Based on the chart above, you can see that male drivers pay $285 on average, while female drivers typically pay $244 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. In South Ozone Park, drivers with one accident on their record will experience rates around $295 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $296.
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||$364|
|15 Years or Older||$300|
According to the first table above, the cheapest vehicles to insure in South Ozone Park are usually trucks and vans, at $162 per month.
SUV drivers will see rates of about $228 for auto insurance coverage, while car owners typically pay around $297 a month.
You can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In South Ozone Park, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$292|
Generally speaking, married policyholders will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
In South Ozone Park, the difference in rates based on relationship status can be as much as $103 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$286|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $42 less than those who own their own home in South Ozone Park. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in South Ozone Park, NY
Recent trends in car insurance for South Ozone Park drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
The cost of car insurance in South Ozone Park rose from 2017-2019, before steadying out in 2020. Insurance rates finished up in 2021, at $277 per month
How does South Ozone Park compare to neighboring areas?
Why are car insurance rates in South Ozone Park different from other areas?
When considering how much to charge for coverage, car insurance companies will review a variety of factors. Many factors affecting your policy are based around your home address. These factors include things like:
- Total number of drivers
- Rate of crime
- Regional laws
- Amount of off-street parking
- Road Safety (frequency of local car accidents)
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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 South Ozone 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.
Luckily, Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer policies in South Ozone Park in no time.
South Ozone Park Insurance FAQs
What factors affect car insurance quotes in South Ozone 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 address, credit score, driving record, and marital status.
Why is the cost of car insurance in South Ozone Park different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in South Ozone Park?
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 South Ozone Park?
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?
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 South Ozone Park or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?