Table of contents
How much is car insurance in Freeport?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $4 a month more expensive to insure your vehicle in Freeport than it is in the rest of New York.
If you're considering relocating to Freeport from out of state, you may want to budget a little extra for your insurance. The average monthly payment for the rest of the U.S. is about is about $122 cheaper than it is in Freeport.
These may be the average auto insurance rates for Freeport, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
Don't worry, we've done the work for you and broken down the average rates for Freeport to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay two times as much as 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 climb back up in Freeport.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. This is true in Freeport, where women pay around $17 less a month. Based on the chart above, you can see that female drivers pay around $188 on average, while male drivers typically pay $205 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Freeport, drivers with one accident on their record will experience rates around $250 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $258.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$160|
|15 Years or Older||$145|
In terms of affordable coverage, the cheapest vehicles to insure in Freeport are by and large trucks and vans, at $141 per month.
SUV drivers will see rates of about $173 to insure their vehicle, while car owners usually pay around $215 per month.
Depending on your vehicle's age, 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 might start to see your rates slide back down slightly. The most expensive vehicles to insure in Freeport are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$212|
Overall, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Freeport, with married couples paying about $61 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$164|
Another factor taken into consideration is your living accommodations. Homeowners in Freeport can expect to pay around $27 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Freeport, NY
Recent trends in car insurance for Freeport drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
In Freeport, car insurance rates declined from 2016-2017, when they reached a low of $138. This trend leveled out in 2018, when they began to increase, and have continued on that path through the present, where car insurance rates finished at $242 a month.
How does Freeport compare to neighboring areas?
Why are car insurance rates in Freeport different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider many factors. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Regional regulations
- Number of car accidents
- Prevalence of crime
- Amount of drivers in the area
- Off-street parking access
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Freeport?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies providing plans in Freeport.
Freeport Insurance FAQs
What factors affect car insurance quotes in Freeport?
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, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Freeport 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 Freeport?
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 Freeport?
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. 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 Freeport 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?