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How much is car insurance in Stony Point?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of New York are about $40 a month cheaper than the rates drivers pay in Stony Point.
Similarly, the expected monthly payments for an auto insurance policy in Stony Point are above the national average. It's about $158 more expensive than the national average to insure your vehicle in Stony Point.
While these are the average costs to insure your vehicle in Stony Point, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
Don't sweat it however, we've broken down the average rate for Stony Point residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|65+||Not Enough Data|
You can expect to see your monthly premium drop about once a decade or so. Drivers in Stony Point may see their rates creep back up once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Stony Point, the difference is around $98 a month. Based on the chart above, you can see that male drivers pay $252 on average, while female drivers typically pay $154 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Accident||Not Enough Data|
|Multiple Tickets||Not Enough Data|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay a lot less than those with accidents or violations. Likewise, drivers with one ticket on their record will be looking at an average rate of around $189.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$131|
|2-3 Years||Not Enough Data|
|15 Years or Older||$270|
The most affordable vehicles to insure in Stony Point are usually trucks and vans, which run about $97 per month.
Car owners, on the other hand, typically pay around $242 per month, while SUV drivers can expect to pay about $248 a month for auto insurance coverage.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old however, your rates may start to dip 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)||$242|
Overall, those who have settled down into marriage will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Stony Point is about $145 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$153|
One other element taken into consideration is your living accommodations. Renters can expect to pay around $116 a month less than homeowners in Stony Point. 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 Stony Point, NY
Recent trends in car insurance for Stony Point drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
The cost of car insurance in Stony Point had been increasing from 2018-2020, before leveling out in 2021. Policy premiums finished down in 2021, at $137 per month
How does Stony Point compare to neighboring areas?
Why are car insurance rates in Stony Point different from other areas?
Car insurance companies will take into account several factors when figuring out how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:
- Rate of crime
- Amount of off-street parking
- Total number of drivers in the region
- General road safety (how many accidents each locality has)
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 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.
Don't worry, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Stony Point.
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Stony Point Insurance FAQs
What factors affect car insurance quotes in Stony Point?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control 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?
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 Stony Point?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Stony Point?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Stony Point or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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