Floral Park, NY Car Insurance

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? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Floral Park?

Looking at the chart above, you can see it's around $44 a month cheaper to insure your vehicle in Floral Park than it is in the rest of New York.

If you're considering relocating to Floral Park from out of state, you may want to budget a little extra for your insurance. The cost of auto coverage in Floral Park is about $74 more expensive than the national average.

Although these are the average rates for auto insurance in Floral Park, it's important to remember that you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.

But don't worry, we've broken down average rates for Floral Park residents so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

Average Car Insurance Rates by Age

More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may creep back up in Floral Park.

Average Car Insurance Rates by Gender

In general, car insurance rates for women are usually cheaper than they are for men. This is true in Floral Park, where women pay around $16 less per month. As you can see in the table above, male drivers in the area typically pay $161 on average, while female drivers typically pay $145 each month.

Average Auto Insurance Rates by Driving Record

Rates can change drastically depending on your driving record. Drivers with clean records can expect to pay much less than those with accidents or violations. In Floral Park, a driving record with one accident will usually get you a rate around $226 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $131.

Accidents, tickets, and other driving infractions can really hurt your wallet. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

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 can expect to pay an average of around $181 a month for their policy, while SUVs usually cost around $139 a month to insure.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Floral Park, vehicles eight-to-ten years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

On average, those who are currently married will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Floral Park, with married couples paying about $52 less per month.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $11 less than homeowners in Floral Park. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Floral Park, NY

Recent trends in car insurance for Floral Park drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.

In Floral Park, car insurance rates went up from 2017-2018, but began to turn downward in 2021. This pattern has continued through 2022 when rates have most recently hit $136.

How does Floral Park compare to neighboring areas?

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

When considering how much to charge for a monthly rate, car insurance companies will consider many factors. The specifics of where you live will have an impact on your personal policy. This might include things like:

• Road Safety (how many accidents each locality has)
• Amount of drivers
• Regional laws
• Crime rates
• Off-street parking access

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 does all of that work for you. Enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in Floral Park.

Floral Park 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 gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Floral Park different from other neighboring cities?

Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

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?

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 Floral Park 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.