Patchogue, NY Car Insurance

Residents of Patchogue pay around $136 monthly for their car insurance coverage. For more information refer to our guide below.
How do rates in Patchogue measure up compared to neighboring areas, including New York as a whole? What rates should residents of Patchogue expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Patchogue?

Area Average Monthly Car Insurance Premium
Patchogue$136
NY$199
United States$81

Compared to the rest of the New York, coverage in Patchogue is about $63 a month cheaper.

On the other hand, Patchogue residents should prepare to pay higher rates for coverage than the rest of the country. It's around $55 more expensive to insure your vehicle in Patchogue compared to the average rate for the rest of the U.S.

Although these are the average rates for auto insurance in Patchogue, that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.

We've broken down the average rates for Patchogue to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$303
25-34$127
35-44$147
45-54$124
55-64$120
65+$143

More time behind the wheel makes you a more experienced driver. That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.

You can expect to see your monthly premium drop every 10 years or so. Patchogue drivers may see their rates creep back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$130
Female$144

Although women typically pay less than men do for car insurance coverage, this is not the case in Patchogue, where female drivers pay around $144 per month while male drivers pay about $130.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$144
Multiple Accidents$293
1 Ticket$272
Multiple Tickets$188

Rates can change drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Patchogue with one accident will pay around $144 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $272.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 Years$151
4-5 Years$148
6-7 Years$155
8-10 Years$121
11-14 Years$127
15 Years or Older$138

In Patchogue, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $104 per month for insurance.

Car owners can expect to pay an average of around $143 a month for their policy, while SUVs usually cost around $130 a month to insure.

Your rates can also vary depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. Once your car is around 5 years old, however, you may see your rates begin to drop back down. In Patchogue, the most expensive vehicles to insure are vehicles six-to-seven years old and two-to-three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$136
Married$125
Divorced$137

More often than not, those who have settled down into marriage will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.

The difference in rates based on relationship status in Patchogue can be as much as $11 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$112
Rent$150
Live with parents$139

Another factor that comes into play is your housing situation. In Patchogue, homeowners can expect to pay around $38 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.

Car Insurance Companies in Patchogue, NY

Recent trends in car insurance for Patchogue drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.

Auto insurance rates in Patchogue declined from 2016-2017, before increasing from 2018-2020. They finished down in 2021 at $120.

How does Patchogue compare to neighboring areas?

Why are car insurance rates in Patchogue different from other areas?

Car insurance companies will take into account a lot of factors when they're figuring out how much to charge for a policy. Many factors affecting your policy are based around your home address. These factors include things like:

  • Area regulations
  • Total number of drivers in the community
  • Rate of crime
  • Access to off-street parking
  • 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. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Patchogue?

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.

Fortunately, Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies offering policies in Patchogue.

Compare the cheapest quotes from dozens of insurance companies

Patchogue Insurance FAQs

What factors affect car insurance quotes in Patchogue?

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 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 Patchogue 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 local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.

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

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Patchogue?

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 Patchogue 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.

Find your best rate in just a few minutes