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How much is car insurance in Farmingdale?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $54 a month cheaper to insure your vehicle in Farmingdale than it is in the rest of New York.
On the other hand, residents of Farmingdale might expect to pay higher rates for coverage than the rest of the country. You can expect to pay about $64 more for your policy in Farmingdale.
These may be the average auto insurance rates for Farmingdale, but 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 insure your vehicle. 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.
We've analyzed the average rate for Farmingdale and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
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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 car insurance bills. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates creep back up a bit in Farmingdale.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Farmingdale, the difference comes out to about $54 per month. As you can see in the chart above, car insurance for women in the area typically costs around $101 each month, while men pay $155 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Farmingdale, a driving record with one accident will usually get you a rate around $198 a month. Similarly, drivers with one ticket will typically pay around $130 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$144|
|15 Years or Older||$151|
In Farmingdale, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $132 per month for auto insurance coverage.
Car owners can expect to pay an average of around $142 a month for their policy, while SUVs usually cost around $170 a month to insure.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Farmingdale are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$130|
Overall, married policyholders will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
In Farmingdale, the difference in rates based on relationship status can be as much as $43 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$121|
One other element taken into consideration is your living situation. Drivers who own property in Farmingdale can expect to pay around $30 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Farmingdale, NY
Recent trends in car insurance for Farmingdale drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
Car insurance rates in Farmingdale increased from 2017-2020, before steadying out in 2021. They finished down in 2021, at $139 a month
How does Farmingdale compare to neighboring areas?
Why are car insurance rates in Farmingdale different from other areas?
Car insurance companies take in numerous factors when figuring out how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Off-street parking accessibility
- Rate of crime
- Amount of drivers in the community
- Local regulations
- Road Safety (total number of local car accidents)
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Farmingdale?
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.
Fortunately, Compare.com can handle all of this for you. Just enter your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies offering coverage in Farmingdale.
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Farmingdale Insurance FAQs
What factors affect car insurance quotes in Farmingdale?
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 credit score, driving record, address, and marital status.
Why is the cost of car insurance in Farmingdale 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 Farmingdale?
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 Farmingdale?
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 Farmingdale or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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