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How much is car insurance in Plainview?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Plainview typically costs about $60 a month less than it does in the rest of New York.
On the other hand, Plainview residents will likely pay higher rates for their insurance policy than the rest of the country. You can expect to pay about $58 more for your policy in Plainview.
These rates may be the average amount Plainview residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
We've done the heavy lifting for you and broken down the average rate for Plainview so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, 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 18||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may begin to increase again in Plainview.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The difference in average rates in Plainview totals about $34 a month. As you can see in the table above, male drivers in the area typically pay $144 on average, while female drivers typically pay $110 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay a lot less than those with infractions. The rate for drivers in Plainview with a single accident on their record is about $141 a month.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$147|
|6-7 Years||Not Enough Data|
|15 Years or Older||$181|
As you can see in the first table above, the cheapest vehicles to insure in Plainview are typically trucks and vans, which run about $112 per month.
Car owners, on the other hand, usually pay around $133 per month, while SUV drivers can expect to pay about $145 a month for insurance.
Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Plainview, vehicles fifteen years and older and less than or equal to one-year-old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$145|
More often than not, people who are married will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Plainview as well, where the difference is around $32 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$97|
Another factor taken into consideration is your housing status. In Plainview, homeowners can expect to pay around $38 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Plainview, NY
Recent trends in car insurance for Plainview drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
Auto insurance rates in Plainview had been increasing steadily from 2016-2020. Insurance rates finished down in 2021, at $142.
How does Plainview compare to neighboring areas?
Why are car insurance rates in Plainview different from other areas?
Car insurance companies will take into account a number of factors when they're choosing how much to charge for a policy. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Off-street parking availability
- Number of car accidents
- Area laws
- Regional crime rates
- Total number of drivers in the community
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. 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 Plainview?
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.
Don't worry, Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer plans in Plainview in no time.
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Plainview Insurance FAQs
What factors affect car insurance quotes in Plainview?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Plainview 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 Plainview?
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 Plainview?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Plainview or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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