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How much is car insurance in Amityville?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Amityville is about $9 cheaper than it is in the rest of New York.
On the other hand, residents of Amityville might expect to pay higher rates for coverage than the rest of the country. The cost of auto coverage in Amityville is about $109 more expensive than the national average.
While these numbers are the average rates for auto insurance in Amityville, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down the average rate for Amityville residents based on several different factors 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!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay $136 more than someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Amityville may see their rates creep back up once they hit retirement.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Amityville defies this trend. Female drivers typically pay around $11 more a month for car insurance coverage than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. The rate for drivers in Amityville with a single accident on their record is about $209 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$196|
|15 Years or Older||$208|
In terms of affordable coverage, the cheapest vehicles to insure in Amityville are usually trucks and vans, at $140 per month.
The cost of auto insurance for car and SUV owners in Amityville usually comes out to about $192 per month.
In addition to vehicle type, 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 around 5 years old, you may start to see your monthly premium decrease. 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)||$193|
Overall, people who are married will pay slightly less for car insurance. 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 Amityville can be as much as $79 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||$154|
One other element taken into consideration is your housing status. Renters can expect to pay around $7 a month less than homeowners in Amityville. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Amityville, NY
Recent trends in car insurance for Amityville drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The rates for car insurance in Amityville increased from 2017-2018, before leveling out in 2019. Rates have been increasing again recently, and were up to $242 in 2021.
How does Amityville compare to neighboring areas?
Why are car insurance rates in Amityville different from other areas?
There are a lot of factors car insurance companies take into consideration 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 your home address. These include things like:
- Road Safety (frequency of car accidents)
- Total number of drivers in the community
- Prevalence of crime
- Amount of off-street parking
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 Amityville?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Fortunately, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing policies in Amityville.
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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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Amityville different from other neighboring cities?
Parking situations, local laws, and crime rates -- 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 Amityville?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Amityville?
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?
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 Amityville 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.
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