Farmingville, NY Car Insurance

The average monthly cost for car insurance in Farmingville is about $140. To learn more about policy rates and coverage in the Farmingville area, continue reading our guide below.
What can Farmingville residents expect to pay for their car insurance? How does Farmingville stack up to the rest of the area, or even New York as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Farmingville?

Area Average Monthly Car Insurance Premium
Farmingville$140
NY$199
United States$81

Auto insurance coverage in Farmingville is about $59 cheaper than it is in the rest of New York.

Compared to the national average cost of auto coverage, Farmingville has higher rates. You can expect to pay about $59 more for your policy in Farmingville.

While these are the average car insurance rates for Farmingville, keep in mind that you could end up paying a different amount. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've analyzed the average rate for Farmingville and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$174
25-34$122
35-44$139
45-54$89
55-64$95
65+$122

The older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay $52 more than drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement, your rates may rise again in Farmingville.

Average Car Insurance Rates by Gender

Gender Average
Male$136
Female$145

While women typically pay less than men do for auto insurance, Farmingville goes against the grain. Female drivers typically pay around $9 more a month for car insurance than their male counterparts.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$112
Multiple Accidents$194
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

Your rates can vary wildly depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Farmingville with a single accident on their record will usually see rates around $112 a month.

Accidents, tickets, and other driving infractions can really hurt your wallet. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 Years$165
4-5 Years$102
6-7 Years$141
8-10 Years$152
11-14 Years$149
15 Years or Older$148

In Farmingville, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $77 per month for auto insurance.

Car owners can expect to pay an average of around $133 a month for their policy, while SUVs usually cost around $154 a month to insure.

You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Farmingville are vehicles two-to-three years old and eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$143
Married$110
Divorced$135

Generally, those who have settled down into marriage will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.

The difference in rates based on relationship status in Farmingville is about $33 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$98
Rent$155
Live with parents$176

Another factor that comes into play is your living situation. In Farmingville, homeowners can expect to pay around $57 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Farmingville, NY

Recent trends in car insurance for Farmingville drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.

The cost of auto insurance coverage in Farmingville decreased from 2018-2019, before leveling out in 2020. Insurance rates finished up in 2020, at $150 per month

How does Farmingville compare to neighboring areas?

Why are car insurance rates in Farmingville different from other areas?

There are a lot of factors car insurance companies take into consideration when deciding 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 live and drive. These include things like:

  • Regional laws
  • Crime rates
  • Road Safety (total number of local car accidents)
  • Access to off-street parking
  • Total number of drivers

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. Knowing 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 Farmingville?

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.

Luckily, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Farmingville.

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Farmingville Insurance FAQs

What factors affect car insurance quotes in Farmingville?

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 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 Farmingville different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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

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 Farmingville?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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 time, regardless of how long is left on your current policy. So, if you've recently moved to Farmingville or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes