Table of contents
How much is car insurance in Port Jefferson Station?
|Area||Average Monthly Car Insurance Premium|
|Port Jefferson Station||$160|
According to the chart above, the average cost of auto insurance in New York is about $38 a month more expensive than it is in Port Jefferson Station.
On the other hand, Port Jefferson Station residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $80 more expensive for coverage in Port Jefferson Station than the average rates for the U.S. as a whole.
Bear in mind that while these rates are the average costs for drivers in Port Jefferson Station, 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 for your insurance policy. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Port Jefferson Station residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates begin to increase again in Port Jefferson Station.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men for insurance coverage, in Port Jefferson Station men actually pay $150 per month for coverage while women pay $183.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Port Jefferson Station with a single accident will pay around $227 a month. Likewise, drivers with one ticket will be looking at a rate of around $226 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$177|
|15 Years or Older||$141|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Port Jefferson Station, with drivers paying around $74 per month for insurance coverage.
Car owners, on the other hand, usually pay around $180 a month, while SUV drivers can expect to pay about $134 per month to insure their vehicle.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Port Jefferson Station, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$172|
More often than not, married policyholders will pay slightly less to insure their vehicle. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
In Port Jefferson Station, the difference in rates based on relationship status can be as much as $78 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$119|
Your living situation is another component of how insurance companies calculate your monthly rate. In Port Jefferson Station, homeowners can expect to pay around $47 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 car insurance costs, depending on your insurance company.
Car Insurance Companies in Port Jefferson Station, NY
Recent trends in car insurance for Port Jefferson Station drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
The rates for car insurance in Port Jefferson Station dropped from 2016-2017, before increasing from 2018-2020. They finished down in 2021 at $166.
How does Port Jefferson Station compare to neighboring areas?
Why are car insurance rates in Port Jefferson Station different from other areas?
When considering how much to charge for coverage, car insurance companies will review a variety of factors. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:
- Community regulations
- Road Safety (how many accidents each locality has)
- Regional crime rates
- Total number of drivers
- Availability of off-street parking
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making 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 Port Jefferson Station?
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.
But wait! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering auto coverage in Port Jefferson Station.
Port Jefferson Station Insurance FAQs
What factors affect car insurance quotes in Port Jefferson Station?
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 age and gender, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Port Jefferson Station 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 crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Port Jefferson Station?
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 Port Jefferson Station?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Port Jefferson Station 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.