East Meadow, NY Car Insurance

The average monthly cost for car insurance in East Meadow is about $149. To learn more about policy rates and coverage in the East Meadow area, continue reading our guide below.
What can East Meadow residents expect to pay for their car insurance? Compared to their surrounding area, how do rates in East Meadow stack up? What about against the rest of New York? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in East Meadow?

Area Average Monthly Car Insurance Premium
East Meadow$149
NY$198
United States$80

Auto insurance coverage in East Meadow is about $49 cheaper than it is in the rest of New York.

On the other hand, East Meadow residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $69 more expensive for coverage in East Meadow than the average rates for the U.S. as a whole.

Although these are the average rates for auto insurance in East Meadow, that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine 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 even your credit score depending on the circumstances.

But don't worry, we've broken down the average rate for East Meadow residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$303
25-34$119
35-44$108
45-54Not Enough Data
55-64$96
65+$160

Generally speaking, the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay $143 more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. Drivers in East Meadow may see their rates creep back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$146
Female$174

Despite the national trend of women paying less than men to insure their car, in East Meadow men actually pay $146 per month for coverage while women pay $174.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$121
Multiple Accidents$216
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

Your rates can change quite drastically depending on your driving record. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In East Meadow, having a single accident on your record will usually get you rates around $121 a month.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$281
2-3 Years$184
4-5 Years$119
6-7 Years$104
8-10 Years$118
11-14 Years$133
15 Years or Older$156

If you look at the first table above, you'll see that cars are usually the cheapest vehicles to insure in East Meadow, with drivers paying around $131 per month to insure their vehicle.

SUV owners can expect to pay an average of around $146 a month for their policy, while truck and van drivers are usually around $263 to insure each month.

You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in East Meadow are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$155
Married$98
Divorced$75

Overall, those who have settled down into marriage will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

On a national scale, single drivers typically pay more than married couples do for auto insurance. East Meadow is no exception, with the difference totaling to around $57 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$138
Rent$148
Live with parents$246

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $10 a month more than homeowners in East Meadow. But if you live with your parents, your rates will be significantly higher.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in East Meadow, NY

Recent trends in car insurance for East Meadow drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.

The rates for auto insurance in East Meadow increased from 2016-2017 -- where they hit a high of $92 -- before steadying out in 2018. Rates went up again in 2019, and finished down at $124 in 2021.

How does East Meadow compare to neighboring areas?

Why are car insurance rates in East Meadow different from other areas?

Car insurance companies will take into account numerous factors when they're deciding how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:

  • Local regulations
  • Total drivers
  • General road safety (how many accidents each locality has)
  • Availability of off-street parking
  • Crime levels

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. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in East Meadow?

While getting familiar with 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.

Don't worry, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in East Meadow.

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East Meadow Insurance FAQs

What factors affect car insurance quotes in East Meadow?

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 gender and age, as well as your marital status, credit score, address, and driving record.

Why is the cost of car insurance in East Meadow different from other neighboring cities?

Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in East Meadow?

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 East Meadow?

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, 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 East Meadow 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.

Find your best rate in just a few minutes