North Babylon, NY Car Insurance

Drivers in North Babylon pay, on average, $189 a month for their car insurance. We cover plan rates, policies and more in our guide below.
How much can residents of North Babylon expect to pay for their car insurance? How does North Babylon compare to the surrounding area and the rest of New York? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in North Babylon?

Area Average Monthly Car Insurance Premium
North Babylon$189
NY$198
United States$80

Based on the above chart, auto insurance policies in North Babylon are about $9 a month cheaper than in the rest of New York.

On the other hand, residents of North Babylon might expect to pay higher rates for coverage than the rest of the country. Coverage in North Babylon is about $109 more expensive than it is for the rest of the U.S.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

Don't sweat it however, we've broken down average rates for North Babylon residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$309
25-34$157
35-44$128
45-54Not Enough Data
55-64Not Enough Data
65+Not Enough Data

You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may start to rise again in North Babylon.

Average Car Insurance Rates by Gender

Gender Average
Male$196
Female$128

In general, women pay slightly less for car insurance than men. The difference in North Babylon is about $68 per month. Looking at the table above, you can see that female drivers pay around $128 on average, while male drivers typically pay $196 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$145
Multiple Accidents$170
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. In North Babylon, drivers with one accident on their record will experience rates around $145 a month.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$156
2-3 Years$229
4-5 Years$199
6-7 YearsNot Enough Data
8-10 Years$207
11-14 Years$194
15 Years or Older$85

The cheapest vehicles to insure in North Babylon are usually SUVs, with each type typically costing about $121 per month.

SUV owners can expect to pay an average of around $121 a month for their policy, while truck and van drivers are usually around $231 to insure each month.

In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In North Babylon, the most expensive vehicles to insure are vehicles two-to-three years old and eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$194
Divorced$74

Overall, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$139
Rent$262
Live with parents$126

Your housing status is another factor that affects your monthly rate. Homeowners in North Babylon can expect to pay around $123 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in North Babylon, NY

Recent trends in car insurance for North Babylon drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.

Auto insurance rates in North Babylon had been decreasing from 2016-2017, before steadying out in 2018. They finished down in 2021, at $140 a month

How does North Babylon compare to neighboring areas?

Why are car insurance rates in North Babylon different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

  • Availability of off-street parking
  • Number of drivers in the community
  • Local laws
  • Regional crime rates
  • General road safety (how many accidents each locality has)

Knowing the make-up of these factors can be helpful when deciding on purchasing 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 North Babylon?

Equipping 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. Put in your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies providing plans in North Babylon.

Compare the cheapest quotes from dozens of insurance companies

North Babylon Insurance FAQs

What factors affect car insurance quotes in North Babylon?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, credit score, address, and marital status.

Why is the cost of car insurance in North Babylon different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in North Babylon?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 North Babylon?

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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to North Babylon or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes