Table of contents
How much is car insurance in Deer Park?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Deer Park typically costs about $25 a month less than it does in the rest of New York.
The average cost of insuring your vehicle in Deer Park is above the national rate. The average monthly payment in Deer Park is about $93 more expensive than the rate for the rest of the U.S.
Although these are the average rates for auto insurance in Deer Park, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Deer Park residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|65+||Not Enough Data|
As you get older, you can expect to see a drop in your monthly premium every 10 years. Deer Park drivers may see their rates rise again once they hit retirement.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers to insure their car, Deer Park actually goes against the grain. While female drivers pay $194 a month for car insurance, males only pay about $167.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Your rates can vary wildly depending on your driving record. Those with clean records will obviously pay much less than those with infractions. In Deer Park, drivers with one accident on their record will experience rates around $181 a month.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$205|
|15 Years or Older||$142|
In Deer Park, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $150 per month for insurance coverage.
Car owners, on the other hand, usually pay around $169 per month, while SUV drivers can expect to pay about $184 a month for auto insurance.
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 might start to see your rates slide back down slightly. In Deer Park, vehicles less than or equal to one-year-old and two-to-three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$181|
The cost of auto insurance in Deer Park reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $57 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$250|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $44 a month more than if you own your own home in Deer Park. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 Deer Park, NY
Recent trends in car insurance for Deer Park 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.
In Deer Park, auto insurance rates dropped from 2016-2018, when they reached a low of $110. This trend leveled out in 2019, when they began to increase, and have continued on that road through the present, where insurance rates finished at $195 per month.
How does Deer Park compare to neighboring areas?
Why are car insurance rates in Deer Park different from other areas?
There are many factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Off-street parking access
- Rate of car accidents
- Area regulations
- Total number of drivers in the area
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. 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 Deer Park?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Good news! Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing coverage in Deer Park in no time.
Deer Park Insurance FAQs
What factors affect car insurance quotes in Deer Park?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, 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 Deer Park 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 Deer Park?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Deer Park?
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 Deer Park or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?