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How much is car insurance in Port Jefferson Station?
|Area||Average Monthly Car Insurance Premium|
|Port Jefferson Station||$159|
Based on the chart above, you can see that it's about $40 a month cheaper to insure your vehicle in Port Jefferson Station than it is in the rest of New York.
On the flip side, Port Jefferson Station residents should prepare to pay higher rates for coverage than the rest of the country. The cost of insuring a vehicle in Port Jefferson Station is about $78 more expensive than the average rate for the rest of the U.S.
Keep in mind that while these are the average car insurance rates for Port Jefferson Station, it isn't guaranteed that it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. 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 analyzed the average rate for Port Jefferson Station and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
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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 car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $162 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, your rates may begin to go back up in Port Jefferson Station.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance coverage, this is not the case in Port Jefferson Station, where female drivers pay around $183 per month while male drivers pay about $149.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Rates can change drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Port Jefferson Station, a driving record with a single accident will usually get you a rate around $227 a month. Similarly, drivers with one ticket will typically pay around $150 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$177|
|15 Years or Older||$141|
The most affordable vehicles to insure in Port Jefferson Station are usually trucks and vans, which run about $74 per month.
SUV drivers will see rates of about $134 to insure their vehicle, while car owners typically pay around $177 a month.
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. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. 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)||$171|
On average, people who are married will pay slightly less for car insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Port Jefferson Station can be as much as $77 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$119|
Another factor taken into consideration is your housing situation. In Port Jefferson Station, homeowners can expect to pay around $45 a month less than those who rent. Those who live with their parents, however, 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 costs.
Car Insurance Companies in Port Jefferson Station, NY
Recent trends in car insurance for Port Jefferson Station 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 Port Jefferson Station declined from 2016-2017, before increasing from 2018-2020. They finished down in 2021 at $147.
How does Port Jefferson Station compare to neighboring areas?
Why are car insurance rates in Port Jefferson Station different from other areas?
Car insurance companies take in a number of factors when deciding how much individual insurance policies will cost. Your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Local laws
- Local crime rates
- Rate of car accidents
- Total number of drivers in the area
- Off-street parking accessibility
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Port Jefferson Station?
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.
Good news! Compare.com will handle the heavy lifting for you. Just enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing auto coverage in Port Jefferson Station.
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Port Jefferson Station Insurance FAQs
What factors affect car insurance quotes in Port Jefferson Station?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Port Jefferson Station different from other neighboring cities?
Things like local laws, crime rates, and parking situations, 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 Port Jefferson Station?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Port Jefferson Station?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Port Jefferson Station or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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