Tonawanda, NY Car Insurance

On average, Tonawanda drivers pay a monthly average rate of around $133 for their car insurance. To learn more about what you're likely to pay in the Tonawanda area, read our guide below.
What rates can residents of Tonawanda expect to pay for their car insurance? Compared to their surrounding area, how do rates in Tonawanda stack up? What about against 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 Tonawanda?

Area Average Monthly Car Insurance Premium
Tonawanda$133
NY$198
United States$80

Car insurance coverage in Tonawanda is about $65 cheaper than it is in the rest of New York.

That being said Tonawanda residents should prepare to pay higher rates for coverage than the rest of the country. The cost of insuring a vehicle in Tonawanda is about $53 more expensive than the average rate for the rest of the U.S.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.

Don't worry, we've done the work for you and broken down average rates for Tonawanda to help you get a more accurate idea of what you'll be charged for your policy. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$257
25-34$88
35-44$133
45-54$128
55-64$107
65+$75

It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, you may see your rates creep back up in Tonawanda.

Average Car Insurance Rates by Gender

Gender Average
Male$150
Female$113

Car insurance rates for women are generally cheaper than they are for men. This is true in Tonawanda, where women pay around $37 less a month. Based on the chart above, you can see that male drivers pay $150 on average, while female drivers typically pay $113 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$214
Multiple Accidents$268
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

Your driving record can have a huge impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Tonawanda with one accident will pay around $214 a month.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$109
2-3 Years$140
4-5 Years$135
6-7 Years$146
8-10 Years$80
11-14 Years$130
15 Years or Older$223

If you look at the first table above, the cheapest vehicles to insure in Tonawanda are usually SUVs, at $101 per month.

Truck and van drivers will see rates of about $127, while the rates for car owners average out to about $154 per month.

In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. In Tonawanda, vehicles fifteen years and older are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$153
Married$66
Divorced$59
Widowed$36

On average, those who are currently married will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

In Tonawanda, the difference in rates based on relationship status can be as much as $87 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$115
Rent$134
Live with parents$661

Another factor taken into consideration is your housing situation. Renters can expect to pay around $19 a month more than drivers who own property in Tonawanda. Those who live with their parents, however, can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Tonawanda, NY

Recent trends in car insurance for Tonawanda drivers

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

In Tonawanda, the rates for auto insurance went up from 2016-2017 -- where they reached a high of $71-- before leveling out in 2018. Car insurance rates rose once again in 2019, and have continued rising through 2021, where they finished at $169 a month.

How does Tonawanda compare to neighboring areas?

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

Car insurance companies look at a lot of factors when they're choosing how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:

  • Total amount of drivers in the area
  • Laws
  • Availability of off-street parking
  • Road Safety (total number of local car accidents)
  • Area crime rates

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. 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 Tonawanda?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But wait! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing auto coverage in Tonawanda.

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Tonawanda Insurance FAQs

What factors affect car insurance quotes in Tonawanda?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, marital status, and address.

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

Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Tonawanda?

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 Tonawanda?

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. 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 Tonawanda 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