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How much is car insurance in Massapequa?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $47 a month cheaper to insure your vehicle in Massapequa than it is in the rest of New York.
Drivers relocating the Massapequa should take note of the differences in average rates. It's about $71 more expensive than the national average to insure your vehicle in Massapequa.
Bear in mind that while these are the average car insurance rates for Massapequa, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto 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 policy payment.
Don't worry, we've done the work for you and broken down average rates for Massapequa to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate, 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|
It makes sense that the older you are, the more experience you have driving, right? When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay $120 more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Massapequa may see their rates climb back up once they hit retirement age.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in Massapequa is around $18 per month. Based on the chart above, you can see that female drivers pay around $140 on average, while male drivers typically pay $158 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records can expect to pay much less than those with accidents or violations. In Massapequa, having a single accident on your record will usually get you rates around $270 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $196.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$137|
|15 Years or Older||$151|
If you look at the first table above, the cheapest vehicles to insure in Massapequa are by and large trucks and vans, at $106 per month.
Car owners will see a monthly premium of about $155, while SUV owners usually pay around $165 a 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. However, once your car is a few years old, you may start to see your monthly premium decrease. In Massapequa, 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)||$151|
Overall, those who are currently married will pay slightly less for car 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 Massapequa can be as much as $13 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||$243|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $5 less than drivers who own property in Massapequa. 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 Massapequa, NY
Recent trends in car insurance for Massapequa 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 Massapequa increased from 2017-2019, but leveled out in 2020. Rates have been decreasing since then and recently reached a low of $106 per month in 2022.
How does Massapequa compare to neighboring areas?
Why are car insurance rates in Massapequa different from other areas?
Car insurance companies will take into account several factors when choosing how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Amount of drivers
- Frequency of car accidents
- Availability of off-street parking
- Crime levels
- Area regulations
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. 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 Massapequa?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But hold on! Compare.com can handle all of this for you. Enter your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies offering policies in Massapequa.
Massapequa Insurance FAQs
What factors affect car insurance quotes in Massapequa?
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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Massapequa different from other neighboring cities?
Parking situations, local laws, and crime rates -- 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 Massapequa?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Massapequa?
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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Massapequa or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.