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How much is car insurance in Springfield Gardens?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Springfield Gardens are about $35 a month more expensive than the rest of New York.
Likewise, residents of Springfield Gardens might expect to pay higher rates for coverage than the rest of the country. It's around $154 more expensive for coverage in Springfield Gardens than the average rates seen in the rest of the U.S.
Bear in mind that while these rates are the average costs for drivers in Springfield Gardens, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. 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.
We've analyzed the average rate for Springfield Gardens and broken down the different factors to help you understand what your policy's monthly premium will be. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Springfield Gardens Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may climb back up a bit in Springfield Gardens.
Springfield Gardens Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Springfield Gardens, where female drivers pay around $244 per month while male drivers pay about $229.
Springfield Gardens Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Springfield Gardens, a driving record with one accident will usually get you a rate around $275 a month. Likewise, drivers with one ticket will be looking at a rate of around $250 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Springfield Gardens Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$225|
|15 Years or Older||$218|
In Springfield Gardens, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $202 per month for insurance coverage.
SUV drivers will see rates of about $237 to insure their car, while car owners by and large pay around $243 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Springfield Gardens, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Springfield Gardens Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$245|
Overall, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are 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 Springfield Gardens, with married couples paying about $49 less per month.
Springfield Gardens Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$341|
One other element taken into consideration is your living situation. In Springfield Gardens, homeowners can expect to pay around $60 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 Springfield Gardens, NY
Recent trends in car insurance for Springfield Gardens drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
The rates for car insurance in Springfield Gardens had been increasing from 2017-2018, where they hit a high of $310, before steadying out in 2019. Car insurance rates went up again in 2020, and finished down at $162 in 2022.
How does Springfield Gardens compare to neighboring areas?
Why are car insurance rates in Springfield Gardens different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Availability of off-street parking
- Regional regulations
- Total amount of drivers in the community
- Number of car accidents
- Crime rates
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. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Springfield Gardens?
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.
But hold on! Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering policies in Springfield Gardens.
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Springfield Gardens Auto Insurance FAQs
What factors affect car insurance quotes in Springfield Gardens?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Springfield Gardens different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Springfield Gardens?
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 Springfield Gardens?
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?
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 Springfield Gardens 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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