Watervliet, NY Car Insurance

The average cost for car insurance in Watervliet is about $88 a month. To find out more check out our guide below.
How much can residents of Watervliet expect to pay for their car insurance? How does Watervliet stack up to the rest of the area, or even New York as a whole? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Watervliet?

Area Average Monthly Car Insurance Premium
Watervliet$88
NY$199
United States$81

The cost of coverage in Watervliet is about $111 a month cheaper than it is for the rest of New York.

If you're considering relocating to Watervliet from out of state, you may want to budget a little extra for your insurance. It's around $7 more expensive for coverage in Watervliet than the average rates seen in the rest of the U.S.

Bear in mind that while these rates are the average costs for drivers in Watervliet, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.

But don't worry, we've broken down average rates for Watervliet residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP 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$143
25-34$79
35-44$92
45-54$64
55-64$60
65+Not Enough Data

Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement, your rates may creep back up in Watervliet.

Average Car Insurance Rates by Gender

Gender Average
Male$89
Female$87

In general, car insurance rates for women are usually cheaper than they are for men. While female drivers pay slightly less than male drivers on their monthly insurance rates, the difference in Watervliet is only about $2 a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$148
Multiple AccidentsNot Enough Data
1 Ticket$357
Multiple Tickets$103

Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Watervliet, having a single accident on your record will usually get you rates around $148 a month. In addition, drivers with one ticket can expect to pay around $357 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$71
2-3 Years$62
4-5 Years$58
6-7 Years$104
8-10 Years$75
11-14 Years$105
15 Years or Older$82

If you look at the first table above, the cheapest vehicles to insure in Watervliet are usually trucks and vans, at $62 per month.

Car owners, on the other hand, typically pay around $96 per month, while SUV drivers can expect to pay about $88 a month for insurance.

The age of your vehicle also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In Watervliet, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$90
Married$73
Divorced$67

Overall, those who have settled down into marriage will pay slightly less for auto insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Watervliet, with married couples paying about $17 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$72
Rent$96
Live with parents$78

One other element taken into consideration is your living situation. If you rent your home or apartment in Watervliet, expect to pay around $24 a month more than if you own your home. But those who live at home with their parents can expect to pay significantly more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Watervliet, NY

Recent trends in car insurance for Watervliet 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 policy.

In Watervliet, the rates for car insurance declined from 2017-2019, before leveling out in 2020. Insurance rates rose again recently, reaching a high of $93 in 2022.

How does Watervliet compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review several factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:

  • Prevalence of crime
  • Total amount of drivers in the area
  • Road Safety (frequency of car accidents)
  • Availability of off-street parking
  • Regional laws

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing 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 Watervliet?

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 will handle the heavy lifting for you. Simply enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer plans in Watervliet.

Compare the cheapest quotes from dozens of insurance companies

Watervliet Insurance FAQs

What factors affect car insurance quotes in Watervliet?

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 credit score, driving record, address, and marital status.

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

Things like crime rates, local laws, and parking situations, 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 Watervliet?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Watervliet?

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. 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 Watervliet 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