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How much is car insurance in Central Islip?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $23 a month cheaper to insure your vehicle in Central Islip than it is in the rest of New York.
Conversely, Central Islip residents should prepare to pay higher rates for coverage than the rest of the country. It's about $95 more for coverage in Central Islip than in the rest of the U.S.
Although these are the average monthly costs for an auto insurance policy in Central Islip, that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've done the heavy lifting for you and broken down the average rate for Central Islip 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 Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may creep back up a bit in Central Islip.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Central Islip, where female drivers pay around $44 more per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Central Islip with a single accident will pay around $131 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $95.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$209|
|15 Years or Older||$163|
The cheapest vehicles to insure in Central Islip are typically SUVs, with each type typically costing about $159 per month.
Car owners can expect to pay an average of around $178 a month for their policy, while truck and van drivers are usually around $291 to insure each month.
Your rates can also vary depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old however, your rates may start to dip back down a bit. In Central Islip, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$178|
Generally, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Central Islip can be as much as $48 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||$377|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $43 a month more than if you own your own home in Central Islip. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Central Islip, NY
Recent trends in car insurance for Central Islip drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The cost of auto insurance coverage in Central Islip had been increasing consistently from 2017 through the present, where they hit $231 a month in 2022.
How does Central Islip compare to neighboring areas?
Why are car insurance rates in Central Islip different from other areas?
There are numerous factors car insurance companies take into consideration when choosing how much to charge for coverage. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Area laws
- Prevalence of crime
- Off-street parking accessibility
- Number of drivers
- Road Safety (frequency of local car accidents)
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 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 Central Islip?
While knowing 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.
Fortunately, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Central Islip.
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Central Islip Insurance FAQs
What factors affect car insurance quotes in Central Islip?
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 year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Central Islip different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Central Islip?
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 Central Islip?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Central Islip 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.
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