Table of contents
How much is car insurance in Lindenhurst?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Lindenhurst typically costs about $23 a month less than it does in the rest of New York.
On the flip side, residents of Lindenhurst might expect to pay higher rates for coverage than the rest of the country. It's around $95 more expensive to insure your vehicle in Lindenhurst compared to the average rate for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Lindenhurst, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't worry, we've done the work for you and broken down the average rates for Lindenhurst to help you understand what your monthly premium might be. 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|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates creep back up a bit in Lindenhurst.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. This is true in Lindenhurst, where male drivers pay about $32 more per month. Based on the chart above, you can see that male drivers pay $185 on average, while female drivers typically pay $153 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Lindenhurst with a single accident on their record will usually see rates around $202 a month.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$173|
|15 Years or Older||$203|
In terms of affordable coverage, the cheapest vehicles to insure in Lindenhurst are typically SUVs, at $160 per month.
Car owners can expect to pay an average of around $177 a month for their policy, while truck and van drivers are usually around $237 to insure each month.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is close to 5 years old. In Lindenhurst, the most expensive vehicles to insure are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$185|
Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Lindenhurst can be as much as $62 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$125|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $36 less than those who own their own home in Lindenhurst. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Lindenhurst, NY
Recent trends in car insurance for Lindenhurst 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.
The rates for car insurance in Lindenhurst went up from 2016-2017, before steadying out in 2018. They finished up in 2021, at $209 a month
How does Lindenhurst compare to neighboring areas?
Why are car insurance rates in Lindenhurst different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Amount of drivers in the area
- Off-street parking availability
- Area laws
- Regional crime rates
- Road Safety (frequency of local car accidents)
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Knowing 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 Lindenhurst?
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.
But hold on! Compare.com has you covered. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer coverage in Lindenhurst in no time.
Lindenhurst Insurance FAQs
What factors affect car insurance quotes in Lindenhurst?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, 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 Lindenhurst different from other neighboring cities?
Things like local laws, parking situations, 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 Lindenhurst?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Lindenhurst?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Lindenhurst 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.