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How much is car insurance in Shirley?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Shirley are about $22 a month more expensive than the rest of New York.
Similarly, residents of Shirley might expect to pay higher rates for coverage than the rest of the country. The average monthly payment in Shirley is about $140 more expensive than the rate for the rest of the U.S.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies take in a variety of factors when determining how much to charge you 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.
Don't sweat it however, we've broken down average rates for Shirley residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may creep back up a bit in Shirley.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. This is true in Shirley, where male drivers pay about $12 more a month. As illustrated in the table above, male drivers in the area pay about $226 on average, while female drivers pay around $214 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records can expect to pay much less than those with accidents or violations. In Shirley, a driving record with one accident will usually get you a rate around $249 a month.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$347|
|15 Years or Older||$218|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Shirley, with drivers paying around $65 per month for insurance coverage.
SUV drivers will see rates of about $187 to insure their vehicle, while car owners typically pay around $256 per month.
Your rates can also vary depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Shirley, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$233|
More often than not, married policyholders will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
In Shirley, the difference in rates based on relationship status can be as much as $84 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$144|
One other element taken into consideration is your living accommodations. Renters can expect to pay around $61 a month more than homeowners in Shirley. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 car insurance costs.
Car Insurance Companies in Shirley, NY
Recent trends in car insurance for Shirley drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.
The rates for car insurance in Shirley decreased from 2016-2017, before increasing from 2018-2020. They finished down in 2021 at $224.
How does Shirley compare to neighboring areas?
Why are car insurance rates in Shirley different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Regional laws
- Area crime rates
- Road Safety (frequency of local car accidents)
- Access to off-street parking
- Number of drivers
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. 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 Shirley?
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.
But wait! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Shirley.
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Shirley Insurance FAQs
What factors affect car insurance quotes in Shirley?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, 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 Shirley 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 Shirley?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Shirley?
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?
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 Shirley 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.
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