Webster, NY Car Insurance

Webster drivers pay, on average, around $88 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
Compared to their surrounding area, how do rates in Webster stack up? What about against the rest of New York? What can Webster residents 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 Webster?

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

According to the chart above, the average cost of auto insurance in New York is about $111 a month more expensive than it is in Webster.

On the flip side, drivers in Webster may pay higher rates than the rest of the country. The cost of insuring a vehicle in Webster is about $7 more expensive than the average rate for the rest of the U.S.

These may be the average auto insurance rates for Webster, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've broken down the average rates for Webster to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code 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$133
25-34$83
35-44$51
45-54Not Enough Data
55-64$66
65+$52

It would make sense that older drivers have more driving experience, right? That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay $81 more than drivers of retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, your rates may begin to increase again in Webster.

Average Car Insurance Rates by Gender

Gender Average
Male$77
Female$133

Although women typically pay less than men do for auto insurance, this is not the case in Webster, where female drivers pay around $56 more per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$50
Multiple Accidents$155
1 Ticket$50
Multiple Tickets$38

Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Webster, a driving record with a single accident will usually get you a rate around $50 a month. In addition, drivers with one ticket can expect to pay around $50 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$132
2-3 Years$58
4-5 Years$115
6-7 Years$66
8-10 Years$107
11-14 Years$72
15 Years or Older$65

If you look at the first table above, the cheapest vehicles to insure in Webster are typically trucks and vans, at $43 per month.

Car owners can expect to pay an average of around $98 a month for their policy, while SUVs usually cost around $103 a month to insure.

Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. In Webster, vehicles less than one year old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$101
Married$46
Divorced$49

Generally speaking, those who are currently married will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

At a national level, single drivers usually pay more than married couples do for auto insurance. Webster follows that pattern, with the difference totaling to around $55 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$68
Rent$111

One other element taken into consideration is your housing situation. If you rent your home or apartment in Webster, expect to pay around $43 a month more than if you are a homeowner. 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 premiums.

Car Insurance Companies in Webster, NY

Recent trends in car insurance for Webster drivers

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

The rates for auto insurance in Webster increased from 2016-2018, before steadying out in 2019. They finished down in 2021, at $43 a month

How does Webster compare to neighboring areas?

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

There are numerous factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:

  • Community laws
  • Total number of drivers
  • Crime levels
  • Off-street parking access
  • Number of car accidents

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. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Webster?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Fortunately, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing policies in Webster.

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Webster Insurance FAQs

What factors affect car insurance quotes in Webster?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

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

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

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 Webster?

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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Webster or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes