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How much is car insurance in Springfield Gardens?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $35 a month more expensive to insure your vehicle in Springfield Gardens than it is in the rest of New York.
Similarly, drivers in Springfield Gardens may pay higher rates than the rest of the country. Coverage in Springfield Gardens is about $153 more expensive than it is 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. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
We've broken down average rates for Springfield Gardens to help you understand what your policy's monthly premium will cost. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Springfield Gardens drivers may see their rates climb back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for car insurance, Springfield Gardens actually bucks this trend. While female drivers pay $240 a month for car insurance coverage, males only pay about $230.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly 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. Drivers in Springfield Gardens with a single accident on their record will usually see rates around $275 a month. In addition, drivers with a single ticket on their record can expect to pay around $251 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$225|
|15 Years or Older||$222|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Springfield Gardens, with drivers paying around $204 per month for auto insurance coverage.
Car owners will see a monthly premium of about $240, while SUV owners by and large pay around $237 per month.
The age of your vehicle can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. 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)||$243|
Generally speaking, those who are currently married will pay slightly less for insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Springfield Gardens can be as much as $48 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$341|
One other element taken into consideration is your housing status. In Springfield Gardens, homeowners can expect to pay around $57 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 with your auto insurance can oftentimes reduce your car insurance costs, 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.
In Springfield Gardens, auto insurance rates had been decreasing from 2016-2017, when they reached a low of $146. This leveled out in 2020, when rates began to increase. This trend has continued through the present, where rates recently hit $330.
How does Springfield Gardens compare to neighboring areas?
Why are car insurance rates in Springfield Gardens different from other areas?
Car insurance companies will take into account a lot of factors when they're deciding how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Road Safety (frequency of car accidents)
- Regional regulations
- Off-street parking accessibility
- Number of drivers in the region
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Springfield Gardens?
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 hold on! Compare.com will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer coverage in Springfield Gardens.
Springfield Gardens Insurance FAQs
What factors affect car insurance quotes in Springfield Gardens?
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 driving record, address, credit score, and marital status.
Why is the cost of car insurance in Springfield Gardens different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws 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?
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 Springfield Gardens?
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. 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 Springfield Gardens or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?