Suffern, NY Car Insurance

On average, drivers in Suffern pay around $216 per month for their car insurance. To find out more check out our guide below.
What rates should residents of Suffern expect to pay for their car insurance? Are rates in Suffern higher or lower than those in neighboring areas? How do they compare to the rest of New York? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Suffern?

Area Average Monthly Car Insurance Premium
Suffern$216
NY$198
United States$80

As you can see, car insurance policies across the rest of New York are about $18 a month cheaper than the rates drivers pay in Suffern.

Compared to the national average cost of auto coverage, Suffern has higher rates. The average monthly payment for the rest of the U.S. is about is about $136 cheaper than it is in Suffern.

Although these are the average rates for auto insurance in Suffern, it's important to remember that you could end up paying something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've broken down average rates for Suffern to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$404
25-34$142
35-44$149
45-54Not Enough Data
55-64$120
65+Not Enough Data

You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates start to rise again in Suffern.

Average Car Insurance Rates by Gender

Gender Average
Male$217
Female$192

Car insurance rates for men are usually slightly more expensive than they are for women. In Suffern, this difference shakes out to about $25 per month. Based on the chart above, you can see that male drivers pay $217 on average, while female drivers typically pay $192 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$139
Multiple Accidents$175
1 Ticket$83
Multiple TicketsNot Enough Data

Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Suffern, having a single accident on your record will usually get you rates around $139 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $83.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$150
2-3 Years$372
4-5 Years$112
6-7 Years$522
8-10 Years$164
11-14 Years$234
15 Years or Older$169

As you can see in the first table above, the cheapest vehicles to insure in Suffern are usually trucks and vans, which run about $128 per month.

SUV drivers will see rates of about $189 for insurance coverage, while car owners typically pay around $238 a month.

Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. In Suffern, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$218
Married$76

Overall, people who are married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

At a national level, single drivers usually pay more than married couples do for auto insurance. Suffern follows that pattern, with the difference totaling to around $142 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$292
Rent$198
Live with parents$197

Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $94 less than those who own their own home in Suffern. Those who live with their parents, however, can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.

Car Insurance Companies in Suffern, NY

Recent trends in car insurance for Suffern drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.

The cost of auto insurance coverage in Suffern dropped from 2017-2019, before steadying out in 2020. Rates finished down in 2021, at $172 per month

How does Suffern compare to neighboring areas?

Why are car insurance rates in Suffern different from other areas?

Car insurance companies will take into account a number of factors when they're choosing how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Number of drivers in the area
  • Road Safety (frequency of car accidents)
  • Rate of crime
  • Off-street parking access
  • Community laws

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. With the knowledge 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 Suffern?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Luckily, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer policies in Suffern.

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Suffern Insurance FAQs

What factors affect car insurance quotes in Suffern?

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 gender and age, as well as your credit score, driving record, address, and marital status.

Why is the cost of car insurance in Suffern different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, local laws, 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 Suffern?

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 Suffern?

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. 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 Suffern 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?

Find your best rate in just a few minutes