At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
In This Article:
How much is car insurance in Springfield Gardens?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of New York are about $35 a month cheaper than the rates drivers pay in Springfield Gardens.
Likewise, Springfield Gardens residents should prepare to pay higher rates for coverage than the rest of the country. It's around $153 more expensive to insure your vehicle in Springfield Gardens compared to the average rate for the rest of the U.S.
While these numbers are the average rates for auto insurance in Springfield Gardens, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
We've done the heavy lifting for you and broken down the average rate for Springfield Gardens so that you can get a more accurate idea of what your policy will cost you. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Find your best rate in just a few minutes
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates rise again in Springfield Gardens.
Average Car Insurance Rates by Gender
Although women typically pay less than men do to insure their vehicle, this is not the case in Springfield Gardens, where female drivers pay around $244 per month while male drivers pay about $229.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Springfield Gardens, drivers with one accident on their record will experience rates around $275 a month. Similarly, drivers with one ticket will typically pay around $250 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$225|
|15 Years or Older||$218|
According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Springfield Gardens, with drivers paying around $202 per month for auto insurance.
Car owners, on the other hand, by and large pay around $243 per month, while SUV drivers can expect to pay about $237 a month to insure their vehicle.
Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Springfield Gardens are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$245|
Overall, people who are married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Springfield Gardens is no exception, with the difference totaling to around $49 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$341|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment in Springfield Gardens, expect to pay around $60 a month more than if you own property. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Springfield Gardens, NY
Recent trends in car insurance for Springfield Gardens drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
In Springfield Gardens, the rates for car insurance declined from 2017-2018, where they hit a high of $310, before steadying out in 2019. Rates rose 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 several factors. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Number of drivers in the community
- Prevalence of crime
- Road Safety (frequency of local car accidents)
- Off-street parking accessibility
- Regional regulations
A decent level of familiarity with these factors can be helpful when you're ready to purchase of 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 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.
Fortunately, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in Springfield Gardens.
Find your best rate in just a few minutes
Springfield Gardens Insurance FAQs
What factors affect car insurance quotes in Springfield Gardens?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Springfield Gardens 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 Springfield Gardens?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Springfield Gardens?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Springfield Gardens or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com's content is ever influenced by the companies and brands we partner with.
- Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
Find your best rate in just a few minutes