Hempstead, NY Car Insurance

Residents of Hempstead pay, on average, about $220 per month for car insurance. To find out more check out our guide below.
How does Hempstead compare to the surrounding area and the rest of New York? What rates can residents of Hempstead expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Hempstead?

Area Average Monthly Car Insurance Premium
Hempstead$220
NY$198
United States$80

Car insurance policies in Hempstead are about $22 a month more expensive than the rest of New York.

The average cost of insuring your vehicle in Hempstead is above the national rate. It's around $140 more expensive to insure your vehicle in Hempstead compared to the average rate for the rest of the U.S.

While these are the average monthly costs for auto insurance coverage in Hempstead, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. 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 Hempstead so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply 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$327
25-34$197
35-44$165
45-54$202
55-64$157
65+$232

Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to auto insurance bills. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement, your rates may begin to go back up in Hempstead.

Average Car Insurance Rates by Gender

Gender Average
Male$216
Female$228

Despite the national trend of women paying less than men for auto insurance coverage, in Hempstead men actually pay $216 per month for coverage while women pay $228.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$250
Multiple Accidents$224
1 Ticket$328
Multiple TicketsNot Enough Data

Rates can change drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Hempstead, a driving record with a single accident will usually get you a rate around $250 a month. Likewise, drivers with one ticket will be looking at a rate of around $328 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$250
2-3 Years$254
4-5 Years$207
6-7 Years$190
8-10 Years$264
11-14 Years$183
15 Years or Older$218

The cheapest vehicles to insure in Hempstead are by and large trucks and vans, with each type typically costing about $171 per month.

Car owners can expect to pay an average of around $229 a month for their policy, while SUVs usually cost around $216 a month to insure.

You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Hempstead are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$225
Married$193
Divorced$196

On average, those who have settled down into marriage will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.

In Hempstead, the difference in rates based on relationship status can be as much as $32 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$223
Rent$217
Live with parents$374

Your housing situation is another factor that affects your monthly rate. Renters can expect to pay around $6 a month less than homeowners in Hempstead. Those who live with their parents, however, can expect to pay a lot more.

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

Car Insurance Companies in Hempstead, NY

Recent trends in car insurance for Hempstead drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.

The cost of insurance in Hempstead had been increasing from 2016-2017, before leveling out in 2018. Car insurance rates finished up in 2021, at $229 a month

How does Hempstead compare to neighboring areas?

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

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:

  • Number of drivers
  • Off-street parking accessibility
  • Community laws
  • Area crime rates
  • Road Safety (frequency of car accidents)

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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 Hempstead?

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.

Luckily, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies providing plans in Hempstead.

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Hempstead Insurance FAQs

What factors affect car insurance quotes in Hempstead?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Hempstead 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 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 however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Hempstead?

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 Hempstead 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