Farmingville, NY Car Insurance

On average, drivers in Farmingville pay around $140 per month for their car insurance. To learn more about car insurance rates in the Farmingville area, read our guide below.
What rates can residents of Farmingville expect to pay for their car insurance? Are rates in Farmingville higher or lower than those in neighboring areas? How do they compare to the rest of New York? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Farmingville?

Area Average Monthly Car Insurance Premium
Farmingville$140
NY$198
United States$80

Based on the above chart, auto insurance policies in Farmingville are about $58 a month cheaper than in the rest of New York.

That being said Farmingville residents will likely pay higher rates for their insurance policy than the rest of the country. It's around $60 more expensive to insure your vehicle in Farmingville compared to the average rate for the rest of the U.S.

These may be the average auto insurance rates for Farmingville, but that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.

Don't sweat it however, we've broken down average rates for Farmingville residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're overpaying for your area, 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

It makes sense that older drivers would have more experience behind the wheel. That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.

You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may begin to increase again in Farmingville.

Average Car Insurance Rates by Gender

Gender Average
Male$136
Female$145

Although women typically pay less than men do for auto insurance coverage, this is not the case in Farmingville, where female drivers pay around $145 per month while male drivers pay about $136.

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 driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. In Farmingville, a driving record with one accident will usually get you a rate around $112 a month.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

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

The most affordable vehicles to insure in Farmingville are usually trucks and vans, which run about $77 per month.

SUV drivers will see rates of about $154 for car insurance coverage, while car owners by and large pay around $133 a month.

In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In Farmingville, the most expensive vehicles to insure 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 speaking, married policyholders will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Farmingville is no exception, with the difference totaling to around $33 a month.

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 housing situation. In Farmingville, homeowners can expect to pay around $57 a month less than those who rent. But those who live at home with their parents can expect to pay significantly 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 Farmingville, NY

Recent trends in car insurance for Farmingville drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.

The cost of auto insurance coverage in Farmingville declined from 2018-2019, before leveling out in 2020. Car 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?

Car insurance companies look at a variety of factors when they're choosing how much to charge for a policy. Many factors affecting your policy are based around where you live and drive. These factors include things like:

  • Access to off-street parking
  • Area crime rates
  • Road Safety (frequency of local car accidents)
  • Community laws
  • Total amount of drivers in the area

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Get started with a guide like this to get familiar with the average rates of your area.

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.

Good news! Compare.com has you covered. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in Farmingville in no time.

Compare the cheapest quotes from dozens of insurance companies

Farmingville Insurance FAQs

What factors affect car insurance quotes in Farmingville?

Car insurance companies calculate quotes based on a wide array of factors. These include things 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 Farmingville 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 Farmingville?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Farmingville?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Farmingville or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes