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How much is car insurance in Woodhaven?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Woodhaven are about $73 a month more expensive than the rest of New York.
Similarly, drivers in Woodhaven may pay higher rates than the rest of the country. Coverage in Woodhaven is about $191 more expensive than it is for the rest of the U.S.
While these are the average costs to insure your vehicle in Woodhaven, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
But don't worry, we've broken down average rates for Woodhaven residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can turn into some real savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates begin to increase again in Woodhaven.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Woodhaven bucks this trend. Female drivers typically pay around $15 more a month for insurance coverage than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records can expect to pay a lot less than those with accidents or violations. Drivers in Woodhaven with a single accident on their record will usually see rates around $280 a month.
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||$279|
|15 Years or Older||$298|
The most affordable vehicles to insure in Woodhaven are usually SUVs, which run about $225 per month.
Car owners, on the other hand, typically pay around $293 per month, while truck and van drivers can expect to pay about $256 a month for auto insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. 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. The most expensive vehicles to insure in Woodhaven are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$277|
Generally speaking, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Woodhaven can be as much as $62 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$182|
One other element taken into consideration is your living accommodations. In Woodhaven, homeowners can expect to pay around $51 a month less than those who rent. 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 Woodhaven, NY
Recent trends in car insurance for Woodhaven drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Woodhaven, the rates for auto insurance dropped from 2016-2017, when they reached a low of $146. This changed in 2018, when car insurance rates began to increase. They hit a high of $284 in 2020, and finished at $262 in 2021.
How does Woodhaven compare to neighboring areas?
Why are car insurance rates in Woodhaven different from other areas?
There are several factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Regional regulations
- Road Safety (total number of local car accidents)
- Number of drivers
- Off-street parking accessibility
- Prevalence of crime
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. With the knowledge 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 Woodhaven?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing auto coverage in Woodhaven.
Woodhaven Insurance FAQs
What factors affect car insurance quotes in Woodhaven?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Woodhaven 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 crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Woodhaven?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Woodhaven?
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 Woodhaven or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?