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How much is car insurance in Amityville?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Amityville typically costs about $10 a month less than it does in the rest of New York.
If you're considering relocating to Amityville from out of state, you may want to budget a little extra for your insurance. The cost of insuring a vehicle in Amityville is about $108 more expensive than the average rate for the rest of the U.S.
Although these are the average rates for auto insurance in Amityville, it's important to remember that you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
We've done the heavy lifting for you and broken down the average rate for Amityville 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 older you are, the more experience you're likely to have behind the wheel, 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 two times as much as drivers of retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may creep back up in Amityville.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Amityville, where female drivers pay around $5 more a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. In Amityville, drivers with one accident on their record will experience rates around $209 a month.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$196|
|15 Years or Older||$208|
The most affordable vehicles to insure in Amityville are by and large trucks and vans, which run about $140 per month.
SUV drivers will see rates of about $197, while the rates for car owners average out to about $188 per month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Amityville, 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)||$190|
More often than not, people who are married will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The cost of auto insurance in Amityville reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $74 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$154|
Another factor taken into consideration is your living accommodations. Renters can expect to pay around $11 a month less than drivers who own property in Amityville. Those who live with their parents, however, can expect to pay a lot 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 Amityville, NY
Recent trends in car insurance for Amityville drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Amityville, the rates for car insurance had been increasing from 2017-2018, before leveling out in 2019. Insurance rates have been increasing again recently, and finished up at $253 in 2021.
How does Amityville compare to neighboring areas?
Why are car insurance rates in Amityville different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Road safety
- Crime levels
- Off-street parking availability
- Number of drivers
- Area regulations
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Amityville?
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 can handle all of this for you. Just enter your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies that offer plans in Amityville.
Amityville Insurance FAQs
What factors affect car insurance quotes in Amityville?
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 make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Amityville 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 parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Amityville?
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 Amityville?
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 Amityville 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.