Floral Park, NY Car Insurance

Floral Park drivers pay, on average, around $155 a month for their car insurance. To learn more about car insurance rates in the Floral Park area, read our guide below.
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How do rates in Floral Park measure up compared to neighboring areas, including New York as a whole? How much can residents of Floral Park expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

How much is car insurance in Floral Park?

Area Average Monthly Car Insurance Premium
Floral Park$155
NY$199
United States$80

Auto insurance coverage in Floral Park is about $44 cheaper than it is in the rest of New York.

Compared to the national average cost of auto coverage, Floral Park has higher rates. It's about $75 more expensive for coverage in Floral Park than the average rates for the U.S. as a whole.

While these are the average car insurance rates for Floral Park, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.

Don't sweat it however, we've broken down average rates for Floral Park residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!


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Floral Park Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$204
25-34$151
35-44$134
45-54$138
55-64$155
65+$109

Generally, the older you are the more experienced you are behind the wheel, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.

You can expect to see your monthly premium drop about once a decade or so. Floral Park drivers may see their rates begin to increase again once they hit retirement.

Floral Park Car Insurance Rates by Gender

Gender Average
Male$161
Female$145

On average, female drivers pay slightly less for car insurance than their male counterparts. In Floral Park, the difference is around $16 a month. As you can see in the table above, female drivers in the area typically pay $145 on average, while female drivers typically pay $161 each month.

Floral Park Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$226
Multiple Accidents$164
1 Ticket$131
Multiple TicketsNot Enough Data

Depending on your driving record, your rates can vary quite a lot. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Floral Park with one accident will pay around $226 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $131 on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Floral Park Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$125
2-3 Years$84
4-5 Years$161
6-7 Years$135
8-10 Years$226
11-14 Years$199
15 Years or Older$125

According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Floral Park, with drivers paying around $94 per month for auto insurance coverage.

Car owners, on the other hand, usually pay around $181 per month, while SUV drivers can expect to pay about $139 a month for insurance.

In addition to vehicle type, 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. However, your rates may start to decrease if your car is close to 5 years old. The most expensive vehicles to insure in Floral Park are vehicles eight-to-ten years old.

Floral Park Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$172
Married$120
Divorced$92
Widowed$164

Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.

In Floral Park, the difference in rates based on relationship status can be as much as $52 a month.

Floral Park Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$166
Rent$155
Live with parents$102

One other element taken into consideration is your living situation. Renters can expect to pay around $11 a month less than homeowners in Floral Park. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

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

Car Insurance Companies in Floral Park, NY

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.

In Floral Park, the rates for car insurance rose from 2017-2018, but began to decrease in 2021. This trend has continued through 2022 when rates have most recently reached $136 per month.

How does Floral Park compare to neighboring areas?

Why are car insurance rates in Floral Park different from other areas?

Car insurance companies will take into account several factors when they're deciding how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:

  • Frequency of car accidents
  • Area crime rates
  • Area regulations
  • Availability of off-street parking
  • Number of drivers

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. 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 Floral 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.

Don't worry, Compare.com can handle all of this for you. Just punch in your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies providing auto coverage in Floral Park.


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Floral Park Auto Insurance FAQs

What factors affect car insurance quotes in Floral 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 vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

Why is the cost of car insurance in Floral Park 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 Floral Park?

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 Floral Park?

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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Floral Park or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

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