Bay Shore, NY Car Insurance

On average, Bay Shore drivers pay a monthly average rate of around $189 for their car insurance. To learn more about car insurance rates in the Bay Shore area, read our guide below.
How does Bay Shore compare to the surrounding area and the rest of New York? What should residents of Bay Shore expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Bay Shore?

Area Average Monthly Car Insurance Premium
Bay Shore$189
NY$198
United States$80

Based on the above chart, auto insurance policies in Bay Shore are about $9 a month cheaper than in the rest of New York.

Conversely, Bay Shore residents should prepare to pay higher rates for coverage than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $109 cheaper than it is in Bay Shore.

Bear in mind that while these rates are the average costs for residents of Bay Shore, it doesn't mean that's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But don't worry, we've broken down the average rate for Bay Shore 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 sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$252
25-34$151
35-44$146
45-54Not Enough Data
55-64$178
65+$100

Generally speaking, the older you are, the more experience you have driving, right? When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.

You can expect to see your monthly premium drop every 10 years or so. Drivers in Bay Shore may see their rates climb back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$206
Female$140

Female drivers pay, on average, slightly less than their male counterparts. In Bay Shore, this difference shakes out to about $66 per month. Based on the chart above, you can see that female drivers pay around $140 on average, while male drivers typically pay $206 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$212
Multiple Accidents$221
1 Ticket$188
Multiple Tickets$175

Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Bay Shore, having a single accident on your record will usually get you rates around $212 a month. In addition, drivers with a single ticket on their record can expect to pay around $188 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$268
2-3 Years$192
4-5 Years$233
6-7 Years$166
8-10 Years$157
11-14 Years$161
15 Years or Older$191

In terms of affordable coverage, the cheapest vehicles to insure in Bay Shore are by and large SUVs, at $165 per month.

Car owners will see rates of about $202, while truck and van owners usually pay around $181 a month.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Bay Shore, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$198
Married$151
Divorced$116

On average, people who are married will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Bay Shore is no exception, with the difference totaling to around $47 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$194
Rent$192
Live with parents$139

Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $2 less than drivers who own property in Bay Shore. But if you live with your parents, your rates will be significantly higher.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.

Car Insurance Companies in Bay Shore, NY

Recent trends in car insurance for Bay Shore drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.

The rates for car insurance in Bay Shore rose from 2016-2018, before steadying out in 2019. They finished down in 2021, at $106 per month

How does Bay Shore compare to neighboring areas?

Why are car insurance rates in Bay Shore different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider many factors. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Area laws
  • Off-street parking availability
  • Crime levels
  • General road safety (how many accidents each locality has)
  • Total number of drivers in the region

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Bay Shore?

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.

Good news! Compare.com will handle the heavy lifting for you. Enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Bay Shore.

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Bay Shore Insurance FAQs

What factors affect car insurance quotes in Bay Shore?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Bay Shore different from other neighboring cities?

Local laws, parking situations, 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 Bay Shore?

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 Bay Shore?

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 Bay Shore or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes