Table of contents
How much is car insurance in Huntington Station?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Huntington Station is about $53 cheaper than it is in the rest of New York.
Drivers relocating the Huntington Station should take note of the differences in average rates. The average monthly payment for the rest of the U.S. is about is about $65 cheaper than it is in Huntington Station.
Although these are the average rates for auto insurance in Huntington Station, 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 bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've done the heavy lifting for you and broken down the average rate for Huntington Station so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience can really work in your favor 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 every 10 years or so. That said, once you hit retirement age, your rates may creep back up in Huntington Station.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Huntington Station, this difference shakes out to about $4 per month. As you can see in the table above, male drivers in the area typically pay $146 on average, while female drivers typically pay $142 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Huntington Station, drivers with one accident on their record will experience rates around $179 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$156|
|15 Years or Older||$143|
The cheapest vehicles to insure in Huntington Station are typically SUVs, with each type typically costing about $125 per month.
Truck and van drivers will see rates of about $179, while the rates for SUV owners average out to about $125 a month.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. In Huntington Station, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$149|
Overall, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Huntington Station as well, where the difference is around $11 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$134|
One other element taken into consideration is your housing situation. In Huntington Station, homeowners can expect to pay around $10 a month less than those who rent. 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 car insurance costs, depending on your insurance company.
Car Insurance Companies in Huntington Station, NY
Recent trends in car insurance for Huntington Station drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
In Huntington Station, car insurance rates rose from 2017-2018, before steadying out in 2019. Rates finished up in 2020, at $156 per month
How does Huntington Station compare to neighboring areas?
Why are car insurance rates in Huntington Station different from other areas?
Car insurance companies take in a lot of factors when choosing how much individual insurance policies will cost. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Off-street parking access
- Rate of crime
- Number of car accidents
- Amount of drivers in the community
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. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Huntington Station?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Huntington Station.
Huntington Station Insurance FAQs
What factors affect car insurance quotes in Huntington Station?
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 address, driving record, credit score, and marital status.
Why is the cost of car insurance in Huntington Station different from other neighboring cities?
Crime rates, local laws, and parking situations -- 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 Huntington Station?
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 Huntington Station?
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 Huntington Station 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?