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How much is car insurance in Hauppauge?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of New York are about $106 a month cheaper than the rates drivers pay in Hauppauge.
Likewise, Hauppauge residents will likely pay higher rates for their insurance policy than the rest of the country. It's around $224 more expensive to insure your vehicle in Hauppauge compared to the average rate for the rest of the U.S.
Although these are the average rates for auto insurance in Hauppauge, it's important to remember that you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay 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.
Don't worry, we've done the work for you and broken down the average rates for Hauppauge to help you understand what your monthly premium might be. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|55-64||Not Enough Data|
|65+||Not Enough Data|
For every 10 years, you can expect to see a decrease in your monthly premium. Hauppauge drivers may see their rates begin to increase again once they hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. This is true in Hauppauge, where women pay around $172 less per month. Looking at the table above, you can see that female drivers pay around $196 on average, while male drivers typically pay $368 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
|1 Ticket||Not Enough Data|
Rates can change drastically depending on your driving record. Drivers with clean records can expect to pay a lot less than those with accidents or violations. The rate for drivers in Hauppauge with a single accident on their record is about $142 a month.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$121|
|15 Years or Older||$130|
In Hauppauge, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $130 per month for insurance coverage.
Car owners will see a monthly rate of about $362, while SUV owners by and large pay around $173 a month.
Your rates can also vary depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Hauppauge are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$353|
Generally, married policyholders will pay slightly less to insure their vehicle. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
In Hauppauge, the difference in rates based on relationship status can be as much as $208 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$126|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $271 a month more than if you own your own home in Hauppauge. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Hauppauge, NY
Recent trends in car insurance for Hauppauge drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
The cost of insurance in Hauppauge had been decreasing from 2016-2019, before steadying out in 2020. Car insurance rates finished down in 2021, at $311 per month
How does Hauppauge compare to neighboring areas?
Why are car insurance rates in Hauppauge different from other areas?
Car insurance companies look at a variety of factors when they're deciding how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:
- Total number of drivers in the region
- Access to off-street parking
- Area laws
- Road Safety (how many accidents each locality has)
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering 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 Hauppauge?
While getting familiar with 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 can handle all of this for you. Just punch in your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies that offer auto coverage in Hauppauge.
Hauppauge Insurance FAQs
What factors affect car insurance quotes in Hauppauge?
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 Hauppauge different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Hauppauge?
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 Hauppauge?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Hauppauge 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?