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How much is car insurance in Kings Park?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Kings Park is about $69 cheaper than it is in the rest of New York.
Conversely, Kings Park residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's around $49 more expensive for coverage in Kings Park than the average rates seen in the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Kings Park, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
But don't worry, we've broken down average rates for Kings Park residents 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 Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates rise again in Kings Park.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Kings Park, the difference comes out to about $38 per month. Based on the chart above, you can see that male drivers pay $136 on average, while female drivers typically pay $98 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay much less than those with multiple infractions. Drivers in Kings Park with a single accident on their record will usually see rates around $86 a month. Likewise, drivers with one ticket will be looking at a rate of around $86 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. 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||$153|
|6-7 Years||Not Enough Data|
|15 Years or Older||$93|
The cheapest vehicles to insure in Kings Park are by and large SUVs, with each type typically costing about $84 per month.
Car owners will see rates of about $139, while truck and van owners typically pay around $124 a month.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Kings Park are vehicles four-to-five years old and less than or equal to one-year-old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$133|
Generally, those who have settled down into marriage will pay slightly less for auto insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Kings Park is no exception, with the difference totaling to around $50 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$66|
Another factor that comes into play is your housing status. If you rent your home or apartment in Kings Park, expect to pay around $46 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.
Car Insurance Companies in Kings Park, NY
Recent trends in car insurance for Kings Park drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Kings Park, car insurance rates dropped from 2016-2018, before rising from 2019-2020. They finished down in 2021 at $112.
How does Kings Park compare to neighboring areas?
Why are car insurance rates in Kings Park different from other areas?
When considering how much to charge for coverage, car insurance companies will review many factors. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Amount of drivers
- Regional regulations
- Amount of off-street parking
- Road Safety (frequency of car accidents)
- Rate of crime
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. 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 Kings Park?
While knowing 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 below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Kings Park.
Kings Park Insurance FAQs
What factors affect car insurance quotes in Kings Park?
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 Kings Park different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Kings Park?
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 Kings Park?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Kings Park or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?