Wappingers Falls, NY Car Insurance

The average cost for car insurance in Wappingers Falls is about $104 a month. For information on policy rates, coverage, and more check out our guide below.
Are rates in Wappingers Falls higher or lower than those in neighboring areas? How do they compare to the rest of New York? How much can residents of Wappingers Falls expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Wappingers Falls?

Area Average Monthly Car Insurance Premium
Wappingers Falls$104
NY$198
United States$80

Looking at the chart above, you can see it's around $94 a month cheaper to insure your vehicle in Wappingers Falls than it is in the rest of New York.

On the other hand, Wappingers Falls residents will likely pay higher rates for their insurance policy than the rest of the country. Coverage in Wappingers Falls is about $24 more expensive than it is for the rest of the U.S.

Bear in mind that while these are the average car insurance rates for Wappingers Falls, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.

Don't sweat it however, we've broken down average rates for Wappingers Falls residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you think you might be overpaying for insurance in your area, 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$150
25-34$93
35-44$102
45-54Not Enough Data
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 pays off. 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. Once you hit retirement age, however, you may see your rates climb back up in Wappingers Falls.

Average Car Insurance Rates by Gender

Gender Average
Male$87
Female$120

Although women typically pay less than men do for insurance coverage, this is not the case in Wappingers Falls, where female drivers pay around $120 per month while male drivers pay about $87.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$142
Multiple Accidents$118
1 TicketNot Enough Data
Multiple Tickets$135

Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Wappingers Falls with a single accident will pay around $142 a month.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. 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$95
2-3 Years$97
4-5 Years$112
6-7 Years$96
8-10 Years$82
11-14 Years$68
15 Years or Older$133

According to the first table above, the cheapest vehicles to insure in Wappingers Falls are by and large trucks and vans, at $58 per month.

Car owners will see a monthly premium of about $114, while SUV owners usually pay around $77 per month.

The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. In Wappingers Falls, 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)$112
Married$54
Divorced$30
Widowed$67

Overall, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.

The cost of auto insurance in Wappingers Falls reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $58 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$81
Rent$116
Live with parents$49

One other element taken into consideration is your living situation. In Wappingers Falls, homeowners can expect to pay around $35 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

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 shopping for coverage.

The cost of car insurance coverage in Wappingers Falls increased from 2016-2019, before steadying out in 2020. Car insurance rates finished up in 2021, at $174 a month

How does Wappingers Falls compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review several factors. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:

  • Availability of off-street parking
  • Road safety
  • Area regulations
  • Total number of drivers in the area
  • Crime levels

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. Each area will have different rates. Guides like these are a wonderful place to get started.

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

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

Fortunately, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing coverage in Wappingers Falls.

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Wappingers Falls Insurance FAQs

What factors affect car insurance quotes in Wappingers Falls?

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

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

Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

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

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. 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