Rocky Point, NY Car Insurance

On average, Rocky Point drivers pay a monthly average rate of around $177 for their car insurance. To learn more about car insurance rates in the Rocky Point area, read our guide below.
What can Rocky Point residents expect to pay for their car insurance? How does Rocky Point compare to the surrounding area and 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$177
NY$198
United States$80

Based on the chart above, you can see that it's about $21 a month cheaper to insure your vehicle in Rocky Point than it is in the rest of New York.

The average cost of insuring your vehicle in Rocky Point is above the national rate. The cost of insuring a vehicle in Rocky Point is about $97 more expensive than the average rate for the rest of the U.S.

Although these are the average rates for auto insurance in Rocky Point, that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. 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 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 you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$232
25-34$132
35-44$161
45-54$122
55-64Not Enough Data
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, however, you may see your rates begin to go back up in Rocky Point.

Average Car Insurance Rates by Gender

Gender Average
Male$186
Female$144

On average, female drivers pay slightly less than male drivers for car insurance. The difference in Rocky Point is about $42 a month. Based on the chart above, you can see that female drivers pay around $144 on average, while male drivers typically pay $186 each month.

Average Auto Insurance Rates by Driving Record

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

Your driving record can have a huge impact on your car insurance rates. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. In Rocky Point, drivers with one accident on their record will experience rates around $193 a month.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$181
2-3 Years$123
4-5 Years$130
6-7 Years$201
8-10 Years$140
11-14 Years$183
15 Years or Older$181

The cheapest vehicles to insure in Rocky Point are by and large cars, with each type typically costing about $168 per month.

Truck and van drivers will see rates of about $279 for auto insurance, while SUV owners typically pay around $179 per month.

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 be the most expensive to insure. However, your rates may start to decrease if your car is around 5 years old. 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)$186
Married$132

Generally speaking, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

According to the table above, the difference in rates based on relationship status in Rocky Point can be as much as $54 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$131
Rent$234
Live with parents$118

Another factor taken into consideration is your housing situation. If you rent your home or apartment in Rocky Point, expect to pay around $103 a month more than if you own property. But those who live at home with their parents can expect to pay significantly more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.

Car Insurance Companies in Rocky Point, NY

Recent trends in car insurance for Rocky Point drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In Rocky Point, the rates for car insurance declined from 2015-2017, but began to increase in 2020. This trend has continued through 2021 when rates have most recently reached $296 a month.

How does Rocky Point compare to neighboring areas?

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

Car insurance companies will take into account a variety of factors when they're choosing how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:

  • Total drivers
  • Area crime rates
  • Area regulations
  • Frequency of car accidents
  • Off-street parking access

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge 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 Rocky Point?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer plans in Rocky Point.

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Rocky Point Insurance FAQs

What factors affect car insurance quotes in Rocky Point?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Rocky Point?

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 Rocky Point?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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?

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 Rocky Point 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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