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How much is car insurance in Woodside?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $28 a month cheaper to insure your vehicle in Woodside than it is in the rest of New York.
If you're considering relocating to Woodside from out of state, you may want to budget a little extra for your insurance. It's around $90 more expensive for coverage in Woodside than the average rates seen in the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for residents of Woodside, 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. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Woodside residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? That experience can really work in your favor when factored into your car insurance rates. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement age, however, you may see your rates creep back up a bit in Woodside.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The difference in average rates in Woodside totals about $21 per month. Looking at the table above, you can see that female drivers pay around $153 on average, while male drivers typically pay $174 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Woodside, a driving record with one accident will usually get you a rate around $200 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $167.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$192|
|15 Years or Older||$181|
The cheapest vehicles to insure in Woodside are by and large trucks and vans, with each type typically costing about $151 per month.
SUV drivers will see rates of about $179 for car insurance coverage, while car owners typically pay around $168 a month.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Woodside are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$168|
Overall, married policyholders will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
While married drivers normally pay less than single drivers, in Woodside both groups pay about the same rate.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$171|
Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $17 a month more than drivers who own property in Woodside. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Woodside, NY
Recent trends in car insurance for Woodside drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
In Woodside, the rates for car insurance decreased from 2016-2017, but began to rise in 2020. This pattern has continued through 2021 when rates have most recently hit $211 per month.
How does Woodside compare to neighboring areas?
Why are car insurance rates in Woodside different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Amount of drivers in the region
- Road Safety (frequency of car accidents)
- Area regulations
- Off-street parking accessibility
- Crime rates
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Woodside?
While knowing 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 does all of that work for you. Enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Woodside.
Woodside Insurance FAQs
What factors affect car insurance quotes in Woodside?
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 gender and age, as well as your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Woodside different from other neighboring cities?
Local laws, crime rates, 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 Woodside?
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 Woodside?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Woodside or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.