Ronkonkoma, NY Car Insurance

On average, drivers in Ronkonkoma pay around $207 per month for their car insurance. Check out our guide below to find out how much you'll pay.
Compared to their surrounding area, how do rates in Ronkonkoma stack up? What about against the rest of New York? How much can residents of Ronkonkoma expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Ronkonkoma?

Area Average Monthly Car Insurance Premium
Ronkonkoma$207
NY$198
United States$80

Looking at the chart above, you can see that it is around $9 a month more expensive to insure your vehicle in Ronkonkoma than it is in the rest of New York.

Likewise, drivers in Ronkonkoma may pay higher rates than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $127 cheaper than it is in Ronkonkoma.

Bear in mind that while these rates represent the expected monthly payments for drivers in Ronkonkoma, it doesn't mean that's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't sweat it however, we've broken down average rates for Ronkonkoma residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$285
25-34$148
35-44$95
45-54Not Enough Data
55-64$158
65+$68

Generally speaking, the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience pays off. According to the table above, you can see that 18-24-year-olds pay $217 more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may begin to go back up in Ronkonkoma.

Average Car Insurance Rates by Gender

Gender Average
Male$224
Female$160

On average, female drivers pay slightly less than male drivers for car insurance. This is true in Ronkonkoma, where male drivers pay about $64 more per month. As you can see in the chart above, car insurance for women in the area typically costs around $160 each month, while men pay $224 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$196
Multiple Accidents$337
1 Ticket$157
Multiple TicketsNot Enough Data

Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Ronkonkoma, a driving record with one accident will usually get you a rate around $196 a month. In addition, drivers with one ticket can expect to pay around $157 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$131
2-3 Years$236
4-5 Years$203
6-7 Years$198
8-10 Years$199
11-14 Years$183
15 Years or Older$252

In Ronkonkoma, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $96 per month to insure their vehicle.

Car owners, on the other hand, by and large pay around $197 a month, while SUV drivers can expect to pay about $281 per month for auto insurance.

In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old however, your rates may start to dip back down a bit. In Ronkonkoma, the most expensive vehicles to insure are vehicles fifteen years and older.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$224
Married$154
Divorced$63
Widowed$69

Generally speaking, married policyholders will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.

At a national level, single drivers usually pay more than married couples do for auto insurance. Ronkonkoma follows that pattern, with the difference totaling to around $70 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$166
Rent$247
Live with parents$117

One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $81 a month more than if you own your own home in Ronkonkoma. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Ronkonkoma, NY

Recent trends in car insurance for Ronkonkoma drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

Auto insurance rates in Ronkonkoma rose from 2017-2020, before steadying out in 2021. They finished down in 2021, at $165 a month

How does Ronkonkoma compare to neighboring areas?

Why are car insurance rates in Ronkonkoma different from other areas?

Car insurance companies will take into account a number of factors when they're deciding how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Off-street parking availability
  • Laws
  • Total drivers
  • Crime levels
  • Road Safety (total number of local car accidents)

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Ronkonkoma?

While getting familiar with 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 hold on! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing plans in Ronkonkoma.

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Ronkonkoma Insurance FAQs

What factors affect car insurance quotes in Ronkonkoma?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Ronkonkoma 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 parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.

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

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 Ronkonkoma?

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?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Ronkonkoma or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes