Table of contents
How much is car insurance in Massapequa?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the New York, coverage in Massapequa is about $42 a month cheaper.
Compared to the national average cost of auto coverage, Massapequa has higher rates. It's around $76 more expensive to insure your vehicle in Massapequa compared to the average rate for the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for drivers in Massapequa, it doesn't mean that's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rate for Massapequa residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates begin to go back up once you hit retirement in Massapequa.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Massapequa, this difference shakes out to about $18 a month. As you can see in the chart above, car insurance for women in the area typically costs around $144 each month, while men pay $162 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay less than those with multiple infractions. Drivers in Massapequa with a single accident on their record will usually see rates around $270 a month.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. 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||$144|
|15 Years or Older||$158|
If you look at the first table above, the cheapest vehicles to insure in Massapequa are typically trucks and vans, at $118 per month.
SUV drivers will see rates of about $165 to insure their vehicle, while car owners usually pay around $155 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old however, your rates may start to dip back down a bit. 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)||$156|
The difference in rates based on relationship status in Massapequa can be as much as $32 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|
Another factor that comes into play is your living accommodations. Renters can expect to pay around $9 a month less than those who own their own home in Massapequa. But those who live at home with their parents can expect to pay significantly more.
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 car insurance costs.
Car Insurance Companies in Massapequa, NY
Recent trends in car insurance for Massapequa 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.
In Massapequa, auto insurance rates had been increasing from 2016-2019, before leveling out in 2020. Policy premiums finished up in 2021, at $160 a month
How does Massapequa compare to neighboring areas?
Why are car insurance rates in Massapequa different from other areas?
When considering how much to charge for coverage, car insurance companies will review a variety of factors. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Total drivers
- Crime rates
- Regional laws
- Road Safety (total number of local car accidents)
- Off-street parking accessibility
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Massapequa?
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.
Fortunately, Compare.com has you covered. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing policies in Massapequa in no time.
Massapequa Insurance FAQs
What factors affect car insurance quotes in Massapequa?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Massapequa different from other neighboring cities?
Things like parking situations, local laws, 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 Massapequa?
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 Massapequa?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Massapequa or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.