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How much is car insurance in Hauppauge?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $105 a month more expensive to insure your vehicle in Hauppauge than it is in the rest of New York.
Drivers relocating the Hauppauge should take note of the differences in average rates. It's about $223 more expensive than the national average to insure your vehicle in Hauppauge.
Bear in mind that while these rates represent the expected monthly payments for residents of Hauppauge, it doesn't mean that's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Hauppauge residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|55-64||Not Enough Data|
|65+||Not Enough Data|
You can expect to see your monthly premium drop every 10 years or so. Hauppauge drivers may see their rates rise again once they hit retirement age.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The difference in Hauppauge is about $172 per month. As illustrated in the table above, male drivers in the area pay about $368 on average, while female drivers pay around $196 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
|1 Ticket||Not Enough Data|
Depending on your driving record, your rates can vary wildly. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Hauppauge with a single accident on their record will usually see rates around $142 a month.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$121|
|15 Years or Older||$130|
The cheapest vehicles to insure in Hauppauge are usually trucks and vans, with each type typically costing about $130 per month.
Car owners can expect to pay an average of around $362 a month for their policy, while SUVs usually cost around $173 a month to insure.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Hauppauge, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$353|
On average, people who are married will pay slightly less to insure their car. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Hauppauge is no exception, with the difference totaling to around $208 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$126|
Your housing situation is another factor that affects your monthly rate. In Hauppauge, homeowners can expect to pay around $271 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
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 deciding when and where to shop.
In Hauppauge, the rates for car insurance declined from 2016-2019, before steadying out in 2020. Car insurance rates finished down in 2021, at $311 a month
How does Hauppauge compare to neighboring areas?
Why are car insurance rates in Hauppauge different from other areas?
There are several factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:
- Regional regulations
- Total drivers
- Off-street parking availability
- Road Safety (frequency of local car accidents)
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge 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?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from several of the car insurance companies providing coverage in Hauppauge.
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Hauppauge Insurance FAQs
What factors affect car insurance quotes in Hauppauge?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Hauppauge different from other neighboring cities?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Hauppauge?
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 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Hauppauge 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.
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