South Ozone Park, NY Car Insurance

The average cost for car insurance in South Ozone Park is about $274 a month. Learn more in our handy guide below.
What rates should residents of South Ozone Park expect to pay for their car insurance? How does South Ozone Park stack up to the rest of the area, or even New York as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in South Ozone Park?

Area Average Monthly Car Insurance Premium
South Ozone Park$274
NY$199
United States$81

Coverage for your vehicle in South Ozone Park will typically run you about $75 a month more than in the rest of New York.

Similarly, South Ozone Park residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $193 more for coverage in South Ozone Park than in the rest of the U.S.

While these are the average costs to insure your vehicle in South Ozone Park, keep in mind that you could end up paying a different amount. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. 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. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$502
25-34$237
35-44$198
45-54$221
55-64$219
65+$146

The older you are, the more experience you're likely to have on the roads, right? When it comes to auto insurance rates, that experience pays off. According to the table above, you can see that 18-24-year-olds pay $356 more than drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in South Ozone Park may see their rates begin to go back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$285
Female$245

On average, female drivers pay slightly less than male drivers for car insurance. This rings true in South Ozone Park, where women pay around $40 less per month than men. Based on the chart above, you can see that female drivers pay around $245 on average, while male drivers typically pay $285 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$295
Multiple Accidents$310
1 Ticket$433
Multiple Tickets$314

One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in South Ozone Park with one accident will pay around $295 a month. In addition, drivers with one ticket can expect to pay around $433 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$363
2-3 Years$238
4-5 Years$232
6-7 Years$255
8-10 Years$330
11-14 Years$248
15 Years or Older$299

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 South Ozone Park, with drivers paying around $162 per month for insurance coverage.

SUV drivers will see rates of about $229, while the rates for car owners average out to about $297 a month.

Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. 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
Married$194
Divorced$148
Widowed$180

On average, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

According to the table above, the difference in rates based on relationship status in South Ozone Park can be as much as $98 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$298
Rent$257
Live with parents$291

One other element taken into consideration is your living situation. Renters can expect to pay around $41 a month less than those who own their own home in South Ozone Park. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.

Car Insurance Companies in South Ozone Park, NY

Recent trends in car insurance for South Ozone Park drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.

The rates for car insurance in South Ozone Park had been increasing from 2017-2019, before leveling out in 2020. They finished up in 2021, at $283 per month

How does South Ozone Park compare to neighboring areas?

Why are car insurance rates in South Ozone Park different from other areas?

There are several factors car insurance companies will consider when choosing how much to charge for a monthly rate. Your insurance policy will depend largely on where you call home and will be influenced by things such as:

  • Road Safety (frequency of car accidents)
  • Off-street parking availability
  • Community laws
  • Rate of crime
  • Amount of drivers in the area

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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?

Equipping 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.

But wait! Compare.com has you covered. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies providing auto coverage in South Ozone Park in no time.

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South Ozone Park Insurance FAQs

What factors affect car insurance quotes in South Ozone Park?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, marital status, and address.

Why is the cost of car insurance in South Ozone 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 crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.

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 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?

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. 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?

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