Table of contents
How much is car insurance in Suffern?
|Area||Average Monthly Car Insurance Premium|
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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
|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
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|
|Multiple Tickets||Not 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|
|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|
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|
|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.
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?