South Richmond Hill, NY Car Insurance

On average, South Richmond Hill drivers pay around $256 a month for their car insurance. Read our guide below to learn more about your specific rates.
What rates can residents of South Richmond Hill expect to pay for their car insurance? Are rates in South Richmond Hill higher or lower than those in neighboring areas? How do they compare to the rest of New York? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in South Richmond Hill?

Area Average Monthly Car Insurance Premium
South Richmond Hill$256
NY$198
United States$80

Looking at the chart above, you can see that it is around $58 a month more expensive to insure your vehicle in South Richmond Hill than it is in the rest of New York.

Drivers relocating the South Richmond Hill should take note of the differences in average rates. It's about $176 more expensive for coverage in South Richmond Hill than the average rates for the U.S. as a whole.

While these numbers are the average rates for auto insurance in South Richmond Hill, 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. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.

But don't worry, we've broken down average rates for South Richmond Hill residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$378
25-34$213
35-44$200
45-54Not Enough Data
55-64$225
65+$221

It makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may start to rise again in South Richmond Hill.

Average Car Insurance Rates by Gender

Gender Average
Male$249
Female$306

Although women typically pay less than men do for auto insurance, this is not the case in South Richmond Hill, where female drivers pay around $57 more per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$457
Multiple Accidents$358
1 TicketNot Enough Data
Multiple Tickets$299

Your rates can change quite drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In South Richmond Hill, having a single accident on your record will usually get you rates around $457 a month.

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$254
2-3 Years$264
4-5 Years$331
6-7 Years$236
8-10 Years$224
11-14 Years$248
15 Years or Older$278

The most affordable vehicles to insure in South Richmond Hill are usually trucks and vans, which run about $190 per month.

SUV drivers will see rates of about $264 for auto insurance, while car owners by and large pay around $261 a month.

The age of your vehicle has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to decrease if your car is a few years old. In South Richmond Hill, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$267
Married$207
Divorced$143

Generally, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

On a national scale, married drivers typically pay less than single drivers for auto insurance. South Richmond Hill is no exception, with the difference totaling to around $60 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$234
Rent$280
Live with parents$272

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $46 a month more than those who own their own home in South Richmond Hill. But if you live with your parents, your rates will be significantly higher.

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 Richmond Hill, NY

Recent trends in car insurance for South Richmond Hill 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 car insurance in South Richmond Hill increased consistently from 2016 through the present, where they hit $328 per month in 2021.

How does South Richmond Hill compare to neighboring areas?

Why are car insurance rates in South Richmond Hill different from other areas?

There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Local regulations
  • Number of drivers
  • Road Safety (total number of local car accidents)
  • Access to off-street parking
  • Crime

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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in South Richmond Hill?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Don't worry, Compare.com will handle the heavy lifting for you. Simply enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in South Richmond Hill.

Compare the cheapest quotes from dozens of insurance companies

South Richmond Hill Insurance FAQs

What factors affect car insurance quotes in South Richmond Hill?

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 gender and age, as well as your driving record, address, credit score, and marital status.

Why is the cost of car insurance in South Richmond Hill different from other neighboring cities?

Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in South Richmond Hill?

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 South Richmond Hill?

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?

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 South Richmond Hill 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?

Find your best rate in just a few minutes