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How much is car insurance in Bethpage?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $39 a month cheaper to insure your vehicle in Bethpage than it is in the rest of New York.
On the flip side, Bethpage residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $79 more expensive than the national average to insure your vehicle in Bethpage.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Bethpage residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, 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|
|65+||Not Enough Data|
For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Bethpage may see their rates rise again once they hit retirement age.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Bethpage, male drivers pay about $7 more per month. Based on the chart above, you can see that male drivers pay $161 on average, while female drivers typically pay $154 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. In Bethpage, having a single accident on your record will usually get you rates around $248 a month.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$143|
|4-5 Years||Not Enough Data|
|15 Years or Older||$196|
The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Bethpage are vehicles fifteen years and older and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$176|
Generally, those who have settled down into marriage will pay slightly less to insure their vehicle. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Bethpage is no exception, with the difference totaling to around $55 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$109|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $29 less than those who own their own home in Bethpage. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Bethpage, NY
Recent trends in car insurance for Bethpage drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
The rates for auto insurance in Bethpage went up from 2017-2019, before steadying out in 2020. They finished up in 2021, at $163 a month
How does Bethpage compare to neighboring areas?
Why are car insurance rates in Bethpage different from other areas?
There are a variety of factors car insurance companies will consider when choosing how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Local laws
- Number of drivers in the region
- Rate of car accidents
- Off-street parking availability
- Area crime rates
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Knowing 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 Bethpage?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in Bethpage.
Bethpage Insurance FAQs
What factors affect car insurance quotes in Bethpage?
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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Bethpage 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 Bethpage?
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 Bethpage?
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, 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 Bethpage 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.