Tonawanda, NY Car Insurance

Tonawanda drivers pay, on average, around $133 a month 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? How does Tonawanda stack up to the rest of the area, or even New York as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Tonawanda?

Area Average Monthly Car Insurance Premium
Tonawanda$133
NY$199
United States$81

Based on the above chart, auto insurance policies in Tonawanda are about $66 a month cheaper than in the rest of New York.

If you're considering relocating to Tonawanda from out of state, you may want to budget a little extra for your insurance. The cost of insuring a vehicle in Tonawanda is about $52 more expensive than the average rate for the rest of the U.S.

While these are the average car insurance rates for Tonawanda, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Your monthly premium 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 average rates for Tonawanda to help you get a more accurate idea of what you'll be charged for your policy. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

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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
45-54Not Enough Data
55-64$107
65+$75

The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates start to rise again once you hit retirement age in Tonawanda.

Average Car Insurance Rates by Gender

Gender Average
Male$150
Female$113

Female drivers pay, on average, slightly less than their male counterparts. This rings true in Tonawanda, where women pay around $37 less per month than men. As illustrated in the table above, male drivers in the area pay about $150 on average, while female drivers pay around $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

Depending on your driving record, your rates can vary wildly. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Tonawanda, having a single accident on your record will usually get you rates around $214 a month.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

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.

Car owners can expect to pay an average of around $154 a month for their policy, while truck and van drivers are usually around $127 to insure each month.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Tonawanda, the most expensive vehicles to insure are vehicles fifteen years and older.

Average Car Insurance Rates by Relationship Status

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

Generally, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Tonawanda is no exception, with the difference totaling to around $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. If you rent your home or apartment, expect to pay around $19 a month more than if you own your own home in Tonawanda. But if you live with your parents, you 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 car insurance costs.

Car Insurance Companies in Tonawanda, NY

Recent trends in car insurance for Tonawanda drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

In Tonawanda, the rates for auto insurance rose from 2016-2017, where they hit a high of $71, before steadying out in 2018. Car insurance rates had been increasing once again in 2019, and have continued rising through 2021, where they finished at $169 per month.

How does Tonawanda compare to neighboring areas?

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

When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:

  • Local laws
  • Area crime rates
  • Road Safety (frequency of local car accidents)
  • Availability of off-street parking
  • Number of drivers in the community

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Tonawanda?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Luckily, Compare.com can handle all of this for you. Just enter your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies providing coverage in Tonawanda.

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Tonawanda Insurance FAQs

What factors affect car insurance quotes in Tonawanda?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

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

Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations 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 Tonawanda?

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 Tonawanda?

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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Tonawanda or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes