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How much is car insurance in Huntington Station?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $45 a month cheaper to insure your vehicle in Huntington Station than it is in the rest of New York.
That being said Huntington Station residents should prepare to pay higher rates for coverage than the rest of the country. It's about $73 more for coverage in Huntington Station than in the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for residents of Huntington Station, it doesn't mean that's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
We've broken down average rates for Huntington Station to help you understand what your policy's monthly premium will cost. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates rise again in Huntington Station.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men for auto insurance coverage, in Huntington Station men actually pay $148 per month for coverage while women pay $174.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. The rate for drivers in Huntington Station with a single accident on their record is about $179 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $105.
Accidents, tickets, and other driving infractions can really hurt your wallet. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$156|
|15 Years or Older||$169|
As you can see in the first table above, the cheapest vehicles to insure in Huntington Station are typically SUVs, which run about $142 per month.
Car owners will see rates of about $158, while truck and van owners by and large pay around $228 a month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. In Huntington Station, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$156|
Generally speaking, married policyholders will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Huntington Station is no exception, with the difference totaling to around $4 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$197|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $13 a month more than drivers who own property in Huntington Station. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
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 picking an insurance policy.
Auto insurance rates in Huntington Station had been increasing from 2017-2018, and rose again, from 2020-2021. They finished down in 2022, at $104 per month.
How does Huntington Station compare to neighboring areas?
Why are car insurance rates in Huntington Station different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider many factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Road safety
- Regional laws
- Amount of drivers in the area
- Amount of off-street parking
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Huntington Station?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Luckily, Compare.com can handle all of this for you. Just punch in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies providing auto coverage in Huntington Station.
Huntington Station Insurance FAQs
What factors affect car insurance quotes in Huntington Station?
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 marital status, credit score, address, and driving record.
Why is the cost of car insurance in Huntington Station different from other neighboring cities?
Local laws, crime rates, 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?
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 Huntington Station?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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?