Rocky Point, NY Car Insurance

The average cost for car insurance in Rocky Point is about $164 a month. To find out more check out our guide below.
What rates can residents of Rocky Point expect to pay for their car insurance? Are rates in Rocky Point higher or lower than those in neighboring areas? How do they compare to the rest of New York? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Rocky Point?

Area Average Monthly Car Insurance Premium
Rocky Point$164
NY$199
United States$81

The cost of coverage in Rocky Point is about $35 a month cheaper than it is for the rest of New York.

Drivers relocating the Rocky Point should take note of the differences in average rates. It's about $83 more for coverage in Rocky Point than in the rest of the U.S.

While these are the average car insurance rates for Rocky Point, keep in mind that you could end up paying a different amount. 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 taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

We've done the heavy lifting for you and broken down the average rate for Rocky Point so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code 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$232
25-34$119
35-44$161
45-54Not Enough Data
55-64$42
65+Not Enough Data

You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates rise again in Rocky Point.

Average Car Insurance Rates by Gender

Gender Average
Male$180
Female$123

Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in Rocky Point is about $57 per month. As you can see in the chart above, car insurance for women in the area typically costs around $123 each month, while men pay $180 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$193
Multiple Accidents$217
1 Ticket$149
Multiple TicketsNot Enough Data

Your driving record can have a tremendous impact on your car insurance rates. Those with clean records can expect to pay much less than those with infractions. Drivers in Rocky Point with a single accident on their record will usually see rates around $193 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $149.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$162
2-3 Years$123
4-5 Years$130
6-7 Years$201
8-10 Years$140
11-14 Years$166
15 Years or Older$158

In Rocky Point, the cheapest vehicles to insure are typically SUVs, with drivers paying around $148 per month for insurance.

Truck and van drivers will see rates of about $279 for insurance coverage, while car owners by and large pay around $168 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Rocky Point, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$177
Married$114

Overall, married policyholders will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

The difference in rates based on relationship status in Rocky Point can be as much as $63 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$121
Rent$234
Live with parents$105

Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $113 a month more than those who own their own home in Rocky Point. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Rocky Point, NY

Recent trends in car insurance for Rocky Point 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.

The rates for auto insurance in Rocky Point dropped from 2015-2017, before steadying out in 2018. They finished down in 2021, at $163 per month

How does Rocky Point compare to neighboring areas?

Why are car insurance rates in Rocky Point different from other areas?

There are numerous factors car insurance companies take into consideration when choosing how much to charge for coverage. The specifics of your home address will have an impact on your personal policy. This might include things like:

  • Crime rates
  • Local regulations
  • Amount of drivers in the region
  • Frequency of car accidents
  • Amount of off-street parking

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Rocky Point?

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.

Luckily, Compare.com can handle all of this for you. Enter your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies that offer plans in Rocky Point.

Compare the cheapest quotes from dozens of insurance companies

Rocky Point Insurance FAQs

What factors affect car insurance quotes in Rocky Point?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, driving record, credit score, and marital status.

Why is the cost of car insurance in Rocky Point different from other neighboring cities?

Local laws, crime rates, and parking situations -- 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 Rocky Point?

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 Rocky Point?

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 Rocky Point 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