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How much is car insurance in South Richmond Hill?
|Area||Average Monthly Car Insurance Premium|
|South Richmond Hill||$259|
Based on the information in the chart above, you can see that on average, it's about $60 a month more expensive to insure your vehicle in South Richmond Hill than it is in the rest of New York.
Compared to the national average cost of auto coverage, South Richmond Hill has higher rates. It's around $178 more expensive for coverage in South Richmond Hill than the average rates seen in the rest of the U.S.
Keep in mind that while these are the average car insurance rates for South Richmond Hill, it isn't guaranteed that it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
But don't worry, we've broken down the average rates for South Richmond Hill residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay $157 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, your rates may creep back up a bit in South Richmond Hill.
Average Car Insurance Rates by Gender
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 $54 more a 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. Drivers with clean records will pay much lower rates than those with accidents or violations. In South Richmond Hill, drivers with one accident on their record will experience rates around $435 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $165.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$254|
|15 Years or Older||$282|
In South Richmond Hill, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $204 per month for insurance coverage.
Car owners will see a monthly rate of about $265, while SUV owners typically pay around $262 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is a few years old. In South Richmond Hill, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$269|
Generally, people who are married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in South Richmond Hill, with married couples paying about $50 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$272|
Another factor that comes into play is your living accommodations. If you rent your home or apartment in South Richmond Hill, expect to pay around $50 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in South Richmond Hill, NY
Recent trends in car insurance for South Richmond Hill drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The cost of auto insurance coverage in South Richmond Hill had been increasing steadily from 2017-2021. It finished down in 2022, at $156.
How does South Richmond Hill compare to neighboring areas?
Why are car insurance rates in South Richmond Hill different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Crime rates
- Total amount of drivers in the community
- Road Safety (total number of local car accidents)
- Off-street parking access
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making 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 Richmond Hill?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Good news! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in South Richmond Hill.
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South Richmond Hill Insurance FAQs
What factors affect car insurance quotes in South Richmond Hill?
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 address, credit score, marital status, and driving record.
Why is the cost of car insurance in South Richmond Hill different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, 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 South Richmond Hill?
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 Richmond Hill?
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 Richmond Hill 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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