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How much is car insurance in Kings Park?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in New York is about $68 a month more expensive than it is in Kings Park.
That being said the expected monthly payments for an auto insurance policy in Kings Park are above the national average. It's around $50 more expensive to insure your vehicle in Kings Park compared to the average rate for the rest of the U.S.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a variety of factors that insurance companies consider when determining how much to charge you for 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 the bill you'll see each month.
But don't worry, we've broken down the average rate for Kings Park residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, you may see your rates begin to increase again in Kings Park.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Kings Park, this difference shakes out to about $38 a month. As illustrated in the table above, female drivers in the area pay about $98 on average, while male drivers pay around $136 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Your rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Kings Park with one accident will pay around $86 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $86 on average.
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|
If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Kings Park, with drivers paying around $84 per month for auto insurance.
Truck and van drivers will see rates of about $124 to insure their vehicle, while car owners typically pay around $139 per month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Kings Park, the most expensive vehicles to insure 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|
More often than not, those who have settled down into marriage will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
On a national scale, single drivers typically pay more than married couples do 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|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $46 a month more than drivers who own property in Kings Park. But if you live with your parents, you can expect to pay a lot 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 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 shopping for coverage.
Car insurance rates in Kings Park dropped from 2016-2018, before increasing 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 an insurance policy, car insurance companies will evaluate several factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Crime levels
- Amount of drivers
- Road Safety (frequency of local car accidents)
- Local laws
- Off-street parking accessibility
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Kings Park?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But wait! Compare.com can handle all of this for you. Enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Kings Park.
Kings Park Insurance FAQs
What factors affect car insurance quotes in Kings Park?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Kings Park different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Kings Park?
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 Kings Park?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Kings Park 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.