Hempstead, NY Car Insurance

Drivers in Hempstead pay, on average, $225 a month for their car insurance. We cover plan rates, policies and more in our guide below.
What can Hempstead residents expect to pay for their car insurance? How does Hempstead compare to the surrounding area and the rest of New York? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Hempstead?

Area Average Monthly Car Insurance Premium
Hempstead$225
NY$199
United States$81

Auto insurance policies in Hempstead are about $26 a month more expensive than the rest of New York.

If you're considering relocating to Hempstead from out of state, you may want to budget a little extra for your insurance. It's about $144 more for coverage in Hempstead than in the rest of the U.S.

Although these are the average rates for auto insurance in Hempstead, it's important to remember that you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. 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.

We've analyzed the average rate for Hempstead and broken down the different factors to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$343
25-34$197
35-44$168
45-54$202
55-64$177
65+$211

The older you are, the more experience you're likely to have behind the wheel, right? 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 a lot more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may creep back up in Hempstead.

Average Car Insurance Rates by Gender

Gender Average
Male$217
Female$240

Although women typically pay less than men do for auto insurance, this is not the case in Hempstead, where female drivers pay around $23 more a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$250
Multiple Accidents$224
1 Ticket$328
Multiple Tickets$209

One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. The rate for drivers in Hempstead with a single accident on their record is about $250 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $328.

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$250
2-3 Years$245
4-5 Years$207
6-7 Years$190
8-10 Years$264
11-14 Years$204
15 Years or Older$221

If you look at the first table above, the cheapest vehicles to insure in Hempstead are typically trucks and vans, at $172 per month.

Car owners will see a monthly bill of about $237, while SUV owners by and large pay around $216 per month.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Hempstead, vehicles eight-to-ten years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$225
Married$240
Divorced$196

Generally, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

According to the table above, the difference in rates based on relationship status in Hempstead can be as much as $15 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$223
Rent$224
Live with parents$374

Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $1 a month more than those who own their own home in Hempstead. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Hempstead, NY

Recent trends in car insurance for Hempstead drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.

In Hempstead, the rates for car insurance had been increasing from 2016-2017, before leveling out in 2018. Insurance rates finished up in 2021, at $294 a month

How does Hempstead compare to neighboring areas?

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

Car insurance companies look at a variety of factors when they're deciding how much to charge for a policy. The specifics of where you live will have an impact on your personal policy. This might include things like:

  • Number of drivers in the area
  • Road Safety (frequency of local car accidents)
  • Local crime rates
  • Off-street parking access
  • Area regulations

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 towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Hempstead?

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.

Good news! Compare.com will handle the heavy lifting for you. Simply enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in Hempstead.

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Hempstead Insurance FAQs

What factors affect car insurance quotes in Hempstead?

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 address, credit score, driving record, and marital status.

Why is the cost of car insurance in Hempstead 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 Hempstead?

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 Hempstead?

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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Hempstead 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.

Find your best rate in just a few minutes