Table of contents
How much is car insurance in Stony Point?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $42 a month more expensive to insure your vehicle in Stony Point than it is in the rest of New York.
Drivers relocating the Stony Point should take note of the differences in average rates. Coverage in Stony Point is about $160 more expensive than it is for the rest of the U.S.
These rates may be the average amount drivers in Stony Point pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't worry, we've done the work for you and broken down the average rates for Stony Point to help you understand what your monthly premium might be. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|65+||Not Enough Data|
For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates begin to increase again once you hit retirement in Stony Point.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This rings true in Stony Point, where women pay around $99 less per month than men. Looking at the table above, you can see that female drivers pay around $154 on average, while male drivers typically pay $253 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Accident||Not Enough Data|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$88|
|2-3 Years||Not Enough Data|
|15 Years or Older||$270|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Stony Point, with drivers paying around $97 per month for auto insurance coverage.
SUV drivers will see rates of about $248, while the rates for car owners average out to about $244 a month.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. In Stony Point, the most expensive vehicles to insure are vehicles eight-to-ten years old and fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$243|
Overall, those who have settled down into marriage will pay slightly less to insure their car. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Stony Point follows that pattern, with the difference totaling to around $146 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$153|
Your living accommodations is another factor that affects your monthly rate. Renters can expect to pay around $116 a month less than those who own their own home in Stony Point. But if you live with your parents, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Stony Point, NY
Recent trends in car insurance for Stony Point 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.
Car insurance rates in Stony Point rose from 2018-2020, before leveling out in 2021. They finished down in 2021, at $118 per month
How does Stony Point compare to neighboring areas?
Why are car insurance rates in Stony Point different from other areas?
There are a number of factors car insurance companies take into consideration when deciding how much to charge for coverage. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Prevalence of crime
- Road Safety (frequency of local car accidents)
- Regional regulations
- Access to off-street parking
- Amount of drivers in the community
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Stony Point?
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. Simply enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from the many car insurance companies that offer policies in Stony Point.
Stony Point Insurance FAQs
What factors affect car insurance quotes in Stony Point?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Stony Point different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Stony Point?
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 Stony Point?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Stony Point or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.