Freeport, NY Car Insurance

Residents of Freeport pay, on average, about $206 per month for car insurance. To find out more check out our guide below.
What rates can residents of Freeport expect to pay for their car insurance? How do rates in Freeport measure up compared to neighboring areas, including New York as a whole? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Freeport?

Area Average Monthly Car Insurance Premium
Freeport$206
NY$199
United States$81

You can see in the chart above that it's around $7 a month more expensive to insure your vehicle in Freeport than it is in the rest of New York.

Similarly, Freeport residents will likely pay higher rates to insure their vehicle than in the rest of the country. The cost of auto coverage in Freeport is about $125 more expensive than the national average.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've done the heavy lifting for you and broken down the average rate for Freeport so that you can get a more accurate idea of what your monthly bill might be. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$308
25-34$204
35-44$146
45-54$206
55-64$125
65+$128

The more time you have behind the wheel, the more experienced of a driver you should be. That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay $180 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 creep back up in Freeport.

Average Car Insurance Rates by Gender

Gender Average
Male$210
Female$187

In general, female drivers pay less for car insurance than their male counterparts. This is true in Freeport, where women pay around $23 less a month. As you can see in the table above, male drivers in the area typically pay $210 on average, while female drivers typically pay $187 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$252
Multiple Accidents$272
1 Ticket$258
Multiple Tickets$250

One of the key factors in determining your car insurance rates is your driving record. Those with clean records will obviously pay a lot less than those with infractions. Drivers in Freeport with a single accident on their record will usually see rates around $252 a month. In addition, drivers with one ticket can expect to pay around $258 a month on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. 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 Year$160
2-3 Years$268
4-5 Years$223
6-7 Years$236
8-10 Years$186
11-14 Years$249
15 Years or Older$145

As you can see in the first table above, the cheapest vehicles to insure in Freeport are usually trucks and vans, which run about $141 per month.

SUV drivers will see rates of about $175 for insurance coverage, while car owners by and large pay around $220 per month.

Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. 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)$216
Married$157
Divorced$114
Widowed$177

Overall, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The cost of auto insurance in Freeport reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $59 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$190
Rent$223
Live with parents$164

Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $33 a month more than homeowners in Freeport. But those who live at home with their parents can expect to pay significantly more.

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

Car Insurance Companies in Freeport, NY

Recent trends in car insurance for Freeport drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.

The cost of car insurance in Freeport decreased from 2016-2017, when it reached a low of $138. This trend shifted in 2018, when it began to increase, and has continued to do so through the present, where rates hit a high of $284 a month.

How does Freeport compare to neighboring areas?

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

There are several factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:

  • Amount of drivers in the area
  • Road safety
  • Access to off-street parking
  • Community laws
  • Crime levels

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 Freeport?

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.

But wait! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from the many car insurance companies that offer auto coverage in Freeport.

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Freeport Insurance FAQs

What factors affect car insurance quotes in Freeport?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, marital status, and address.

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

Auto insurance companies consider regional factors, such as local laws, crime rates, 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 Freeport?

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 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Freeport or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

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