Patchogue, NY Car Insurance

Drivers in Patchogue pay, on average, $138 a month for their car insurance. To learn more about what you're likely to pay in the Patchogue area, read our guide below.
What should residents of Patchogue expect to pay for their car insurance? Are rates in Patchogue higher or lower than those in neighboring areas? How do they compare to 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 Patchogue?

Area Average Monthly Car Insurance Premium
Patchogue$138
NY$198
United States$80

According to the chart above, the average cost of auto insurance in New York is about $60 a month more expensive than it is in Patchogue.

If you're considering relocating to Patchogue from out of state, you may want to budget a little extra for your insurance. It's about $58 more expensive for coverage in Patchogue than the average rates for the U.S. as a whole.

While these are the average costs to insure your vehicle in Patchogue, keep in mind that you could end up paying a different amount. The amount that insurance companies end up charging you is determined by a number of factors. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've analyzed the average rate for Patchogue and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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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$129
55-64$122
65+$143

Generally, the older you are, the more experienced you are on the roads. That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay $160 more than drivers of retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Patchogue may see their rates rise again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$134
Female$143

Although female drivers pay, on average, less than male drivers to insure their vehicle, Patchogue actually goes against the grain. While female drivers pay $143 a month for auto insurance, males only pay about $134.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$144
Multiple Accidents$293
1 TicketNot Enough Data
Multiple Tickets$188

Your rates can change quite drastically depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. The rate for drivers in Patchogue with a single accident on their record is about $144 a month.

Accidents, tickets, and other driving infractions can cost you some serious cash. 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 YearNot Enough Data
2-3 Years$151
4-5 Years$155
6-7 Years$137
8-10 Years$132
11-14 Years$127
15 Years or Older$142

In Patchogue, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $120 per month for auto insurance coverage.

SUV drivers will see rates of about $130, while the rates for car owners average out to about $142 per month.

You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. In Patchogue, vehicles four-to-five years old and two-to-three years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$139
Married$126
Divorced$137

More often than not, married policyholders will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Patchogue is no exception, with the difference totaling to around $13 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$117
Rent$151
Live with parents$139

Your living accommodations is another factor that affects your monthly rate. Those who own their own home in Patchogue can expect to pay around $34 a month less than those who rent. But those who live at home with their parents can expect to pay significantly 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 Patchogue, NY

Recent trends in car insurance for Patchogue 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 Patchogue had been decreasing from 2016-2017, before increasing from 2018-2020. They finished down in 2021 at $124.

How does Patchogue compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review numerous factors. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:

  • Total number of drivers in the community
  • Local crime rates
  • Off-street parking accessibility
  • Frequency of car accidents
  • Regional regulations

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing 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 corner of the world.

How can I find the cheapest car insurance in Patchogue?

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 does all of that work for you. Just put in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Patchogue.

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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 like your age and gender, but also factors like your address, credit score, driving record 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?

Things like parking situations, crime rates, and local laws, 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 Patchogue?

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 however, by using sites like Compare.com to compare multiple quotes at once.

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

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. 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 Patchogue 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