Great Neck, NY Car Insurance

On average, Great Neck drivers pay a monthly average rate of around $157 for their car insurance. Check out our guide below to find out how much you'll pay.
What rates should residents of Great Neck expect to pay for their car insurance? Are rates in Great Neck higher or lower than those in neighboring areas? How do they compare to the rest of New York? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Great Neck?

Area Average Monthly Car Insurance Premium
Great Neck$157
NY$198
United States$80

As you can see in the chart above, it is around $41 a month cheaper to insure your vehicle in Great Neck than it is in the rest of New York.

If you're considering relocating to Great Neck from out of state, you may want to budget a little extra for your insurance. You can expect to pay about $77 more for your policy in Great Neck.

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 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 policy payment.

Don't worry, we've done the work for you and broken down average rates for Great Neck to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$362
25-34$150
35-44$113
45-54Not Enough Data
55-64$298
65+$186

It's pretty safe to assume that the older you are, the longer you've been driving. That experience can really work in your favor when it comes to auto insurance. In this case, 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 climb back up in Great Neck.

Average Car Insurance Rates by Gender

Gender Average
Male$154
Female$169

Although women typically pay less than men do to insure their vehicle, this is not the case in Great Neck, where female drivers pay around $169 per month while male drivers pay about $154.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$201
Multiple Accidents$208
1 TicketNot Enough Data
Multiple Tickets$202

Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. The rate for drivers in Great Neck with a single accident on their record is about $201 a month.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$145
2-3 Years$116
4-5 Years$192
6-7 Years$160
8-10 Years$114
11-14 Years$275
15 Years or Older$152

In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Great Neck are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$174
Married$118
Divorced$81

Generally speaking, those who are currently married will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

The cost of auto insurance in Great Neck reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $56 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$173
Rent$123
Live with parents$81

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $50 less than drivers who own property in Great Neck. But if you live with your parents, you can expect to pay a lot more.

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 Great Neck, NY

Recent trends in car insurance for Great Neck drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.

The cost of car insurance in Great Neck had been increasing from 2016-2018, before steadying out in 2019. Policy premiums have been increasing again recently, and rose to $208 in 2021.

How does Great Neck compare to neighboring areas?

Why are car insurance rates in Great Neck different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:

  • Local regulations
  • Amount of drivers
  • Area crime rates
  • Off-street parking accessibility
  • Road safety

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Great Neck?

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 hold on! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in Great Neck.

Compare the cheapest quotes from dozens of insurance companies

Great Neck Insurance FAQs

What factors affect car insurance quotes in Great Neck?

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 gender and age, as well as your address, driving record, credit score, and marital status.

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

Parking situations, local laws, and crime rates -- 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 Great Neck?

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 by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Great Neck?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 Great Neck 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