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How much is car insurance in Central Islip?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in New York is about $29 a month more expensive than it is in Central Islip.
On the flip side, Central Islip residents will likely pay higher rates for their insurance policy than the rest of the country. The average monthly payment in Central Islip is about $89 more expensive than the rate for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Central Islip, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. 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 average rates for Central Islip residents 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance premiums. 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 a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may start to rise again in Central Islip.
Average Car Insurance Rates by Gender
Although women typically pay less than men do to insure their car, this is not the case in Central Islip, where female drivers pay around $195 per month while male drivers pay about $159.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Rates can change drastically depending on your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. Drivers in Central Islip with a single accident on their record will usually see rates around $137 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$209|
|15 Years or Older||$147|
According to the first table above, the cheapest vehicles to insure in Central Islip are typically SUVs, at $152 per month.
Truck and van drivers will see rates of about $385 for car insurance coverage, while SUV owners by and large pay around $152 a month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Central Islip are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$172|
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Central Islip as well, where the difference is around $73 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$527|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $33 a month more than those who own their own home in Central Islip. 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 premiums, depending on your insurance company.
Car Insurance Companies in Central Islip, NY
Recent trends in car insurance for Central Islip 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.
In Central Islip, car insurance rates went up steadily from 2016 through the present, where they reached $274 per month in 2021.
How does Central Islip compare to neighboring areas?
Why are car insurance rates in Central Islip different from other areas?
Car insurance companies will take into account a lot of factors when choosing how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Area crime rates
- Amount of drivers in the area
- Area regulations
- General road safety (how many accidents each locality has)
- Off-street parking accessibility
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Central Islip?
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.
Good news! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer policies in Central Islip.
Central Islip Insurance FAQs
What factors affect car insurance quotes in Central Islip?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, address, marital status and driving record.
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?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Central Islip?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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. 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 Central Islip or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?