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How much is car insurance in Woodhaven?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Woodhaven is about $69 a month more expensive than the rest of New York.
Similarly, the expected monthly payments for an auto insurance policy in Woodhaven are above the national average. It's about $187 more expensive than the national average to insure your vehicle in Woodhaven.
Bear in mind that while these rates represent the expected monthly payments for Woodhaven residents, 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. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
But don't worry, we've broken down the average rate for Woodhaven residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may start to rise again in Woodhaven.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Woodhaven goes against the grain. Female drivers typically pay around $4 more a month for car insurance than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records can expect to pay much less than those with infractions. Drivers in Woodhaven with one accident will pay around $280 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $259.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$279|
|15 Years or Older||$294|
As you can see in the first table above, the cheapest vehicles to insure in Woodhaven are by and large SUVs, which run about $226 per month.
Car owners, on the other hand, typically pay around $289 per month, while truck and van drivers can expect to pay about $256 a month to insure their vehicle.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. In Woodhaven, 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)||$276|
Generally speaking, those who are currently married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Woodhaven is no exception, with the difference totaling to around $50 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$182|
Your living situation is another component of how insurance companies calculate your monthly rate. Those who own their own home in Woodhaven can expect to pay around $49 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Woodhaven, NY
Recent trends in car insurance for Woodhaven drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
The rates for car insurance in Woodhaven had been decreasing from 2016-2017, when they reached a low of $146. This leveled out in 2018, when policy premiums began to increase. They hit a high of $284 in 2020, and finished down in 2021, at $242 per month.
How does Woodhaven compare to neighboring areas?
Why are car insurance rates in Woodhaven different from other areas?
There are numerous factors car insurance companies will consider when figuring out 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:
- Amount of drivers in the area
- Off-street parking accessibility
- Regional crime rates
- Number of car accidents
- Regional laws
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Woodhaven?
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.
Don't worry, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Woodhaven.
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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, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Woodhaven different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, 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 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 getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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?
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