Wappingers Falls, NY Car Insurance

On average, drivers in Wappingers Falls pay around $103 per month for their car insurance. Check out our guide below to find out how much you'll pay.
How much can residents of Wappingers Falls expect to pay for their car insurance? How does Wappingers Falls stack up to the rest of the area, or even New York as a whole? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Wappingers Falls?

Area Average Monthly Car Insurance Premium
Wappingers Falls$103
NY$199
United States$81

Based on the chart above, you can see that coverage in Wappingers Falls typically costs about $96 a month less than it does in the rest of New York.

Conversely, the expected monthly payments for an auto insurance policy in Wappingers Falls are above the national average. It's around $22 more expensive to insure your vehicle in Wappingers Falls compared to the average rate for the rest of the U.S.

These may be the average auto insurance rates for Wappingers Falls, but that doesn't mean it's exactly what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.

We've analyzed the average rate for Wappingers Falls and broken down the different factors to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$150
25-34$92
35-44$102
45-54$79
55-64$133
65+$70

More time behind the wheel makes you a more experienced driver. When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement your rates may climb back up in Wappingers Falls.

Average Car Insurance Rates by Gender

Gender Average
Male$87
Female$119

Although women typically pay less than men do for auto insurance, this is not the case in Wappingers Falls, where female drivers pay around $32 more a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$142
Multiple Accidents$118
1 Ticket$73
Multiple Tickets$135

Your rates can vary wildly depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Wappingers Falls, having a single accident on your record will usually get you rates around $142 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $73.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. 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$95
2-3 Years$97
4-5 Years$112
6-7 Years$96
8-10 Years$77
11-14 Years$68
15 Years or Older$130

In Wappingers Falls, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $58 per month for auto insurance coverage.

Car owners can expect to pay an average of around $112 a month for their policy, while SUVs usually cost around $77 a month to insure.

You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Wappingers Falls are vehicles fifteen years and older.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$112
Married$54
Divorced$30
Widowed$67

More often than not, those who are currently married will pay slightly less for insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Wappingers Falls is about $58 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$81
Rent$115
Live with parents$49

Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $34 a month more than if you own your own home in Wappingers Falls. But those who live at home with their parents can expect to pay significantly more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.

Car Insurance Companies in Wappingers Falls, NY

Recent trends in car insurance for Wappingers Falls 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 Wappingers Falls, the rates for auto insurance went up from 2016-2019, before leveling out in 2020. Insurance rates finished up in 2021, at $154 per month

How does Wappingers Falls compare to neighboring areas?

Why are car insurance rates in Wappingers Falls different from other areas?

Car insurance companies look at many factors when they're choosing how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:

  • Local laws
  • Amount of drivers
  • Rate of crime
  • Off-street parking access
  • Road Safety (how many accidents each locality has)

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. Realizing 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 corner of the world.

How can I find the cheapest car insurance in Wappingers Falls?

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. Enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Wappingers Falls.

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Wappingers Falls Insurance FAQs

What factors affect car insurance quotes in Wappingers Falls?

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

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.

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

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 however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Wappingers Falls?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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 Wappingers Falls 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