Ronkonkoma, NY Car Insurance

On average, Ronkonkoma drivers pay a monthly average rate of around $204 for their car insurance. To learn more about what you're likely to pay in the Ronkonkoma area, read our guide below.
How do rates in Ronkonkoma measure up compared to neighboring areas, including New York as a whole? What rates should residents of Ronkonkoma expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Ronkonkoma?

Area Average Monthly Car Insurance Premium
Ronkonkoma$204
NY$199
United States$81

Looking at the chart above, you can see that it is around $5 a month more expensive to insure your vehicle in Ronkonkoma than it is in the rest of New York.

Drivers relocating the Ronkonkoma should take note of the differences in average rates. It's around $123 more expensive for coverage in Ronkonkoma than the average rates seen in the rest of the U.S.

Bear in mind that while these rates represent the expected monthly payments for residents of Ronkonkoma, 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. 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 Ronkonkoma so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply 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$282
25-34$148
35-44$95
45-54$171
55-64$134
65+$68

The more time you've spent on the road, the more experience you have. When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. Ronkonkoma drivers may see their rates start to rise again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$221
Female$156

On average, female drivers pay slightly less than male drivers for car insurance. This is true in Ronkonkoma, where male drivers pay about $65 more a month. Based on the chart above, you can see that female drivers pay around $156 on average, while male drivers typically pay $221 each month.

Average Auto Insurance Rates by Driving Record

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

Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. In Ronkonkoma, drivers with one accident on their record will experience rates around $196 a month. In addition, drivers with a single ticket on their record can expect to pay around $157 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheap car insurance is something you're after, drive safely 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$169
15 Years or Older$249

The cheapest vehicles to insure in Ronkonkoma are by and large trucks and vans, with each type typically costing about $90 per month.

Car owners, on the other hand, typically pay around $197 per month, while SUV drivers can expect to pay about $269 a month for insurance.

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, once your car is a few years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Ronkonkoma are vehicles fifteen years and older.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$219
Married$154
Divorced$63
Widowed$69

More often than not, those who are currently married will pay slightly less to insure their vehicle. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Ronkonkoma is no exception, with the difference totaling to around $65 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$166
Rent$240
Live with parents$133

Your living situation is another component of how insurance companies calculate your monthly rate. In Ronkonkoma, homeowners can expect to pay around $74 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

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 car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.

The cost of car insurance in Ronkonkoma went up from 2017-2020, before leveling out in 2021. Rates finished down in 2021, at $152 per month

How does Ronkonkoma compare to neighboring areas?

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

Car insurance companies look at several factors when they're figuring out 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:

  • Road Safety (how many accidents each locality has)
  • Number of drivers
  • Availability of off-street parking
  • Crime
  • Local regulations

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. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Ronkonkoma?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Luckily, Compare.com will handle the heavy lifting for you. Just punch in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Ronkonkoma.

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Ronkonkoma Insurance FAQs

What factors affect car insurance quotes in Ronkonkoma?

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, driving record, credit score, and marital status.

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

Crime rates, parking situations, and local laws -- 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 Ronkonkoma?

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 Ronkonkoma?

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?

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 Ronkonkoma 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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