Bay Shore, NY Car Insurance

Drivers in Bay Shore pay around $187 a month for their car insurance. To learn more about what you're likely to pay in the Bay Shore area, read our guide below.
Compared to their surrounding area, how do rates in Bay Shore stack up? What about against the rest of New York? What rates can residents of Bay Shore expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Bay Shore?

Area Average Monthly Car Insurance Premium
Bay Shore$187
NY$199
United States$81

Based on the chart above, you can see that coverage in Bay Shore typically costs about $12 a month less than it does in the rest of New York.

Compared to the national average cost of auto coverage, Bay Shore has higher rates. The average monthly payment for the rest of the U.S. is about is about $106 cheaper than it is in Bay Shore.

Bear in mind that while these are the average car insurance rates for Bay Shore, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't worry, we've done the work for you and broken down the average rates for Bay Shore to help you understand what your monthly premium might be. If you think you might be overpaying for insurance in your area, 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$148
35-44$149
45-54Not Enough Data
55-64$178
65+$115

It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, your rates may climb back up in Bay Shore.

Average Car Insurance Rates by Gender

Gender Average
Male$203
Female$140

Female drivers pay, on average, slightly less than their male counterparts. The difference in Bay Shore is about $63 per month. As illustrated in the table above, male drivers in the area pay about $203 on average, while female drivers pay around $140 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$212
Multiple Accidents$221
1 Ticket$125
Multiple Tickets$163

Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Bay Shore with a single accident on their record will usually see rates around $212 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $125.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$260
2-3 Years$192
4-5 Years$233
6-7 Years$166
8-10 Years$157
11-14 Years$161
15 Years or Older$185

If you look at the first table above, the cheapest vehicles to insure in Bay Shore are usually SUVs, at $166 per month.

Truck and van drivers will see rates of about $172 to insure their vehicle, while car owners typically pay around $199 a month.

The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Bay Shore, vehicles less than one year old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$196
Married$147
Divorced$116

Generally speaking, car insurance is slightly cheaper for married policyholders. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

The cost of auto insurance in Bay Shore reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $49 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$193
Rent$189
Live with parents$139

One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $4 less than drivers who own property in Bay Shore. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Bay Shore, NY

Recent trends in car insurance for Bay Shore 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.

Auto insurance rates in Bay Shore rose from 2017-2018, but began to turn downward in 2021. This pattern has continued through 2022 when rates have most recently hit $80 per month.

How does Bay Shore compare to neighboring areas?

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

Car insurance companies will take into account a variety of factors when deciding how much to charge for a policy. Many factors affecting your policy are based around where you live and drive. These factors include things like:

  • Amount of off-street parking
  • Area regulations
  • Amount of drivers in the area
  • Road Safety (how many accidents each locality has)
  • Local crime rates

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. 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 Bay Shore?

Arming 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.

Luckily, Compare.com can handle all of this for you. Simply enter your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from the many car insurance companies providing auto coverage in Bay Shore.

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Bay Shore Insurance FAQs

What factors affect car insurance quotes in Bay Shore?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, 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 Bay Shore different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws 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 Bay Shore?

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 Bay Shore?

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?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Bay Shore or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes