Shirley, NY Car Insurance

On average, Shirley drivers pay around $220 a month for their car insurance. To learn more about policy rates and coverage in the Shirley area, continue reading our guide below.
How do rates in Shirley measure up compared to neighboring areas, including New York as a whole? What rates can residents of Shirley 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 Shirley?

Area Average Monthly Car Insurance Premium
Shirley$220
NY$198
United States$80

Based on the information in the chart above, you can see that on average, it's about $22 a month more expensive to insure your vehicle in Shirley than it is in the rest of New York.

If you're considering relocating to Shirley from out of state, you may want to budget a little extra for your insurance. It's about $140 more expensive for coverage in Shirley than the average rates for the U.S. as a whole.

Bear in mind that while these are the average car insurance rates for Shirley, you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.

We've analyzed the average rate for Shirley and broken down the different factors to help you understand what your policy's monthly premium will be. 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 18Not Enough Data
18-24$313
25-34$125
35-44$254
45-54$166
55-64$138
65+$170

The more time you have behind the wheel, the more experienced of a driver you should be. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.

You can expect to see your monthly premium drop about once a decade or so. Drivers in Shirley may see their rates begin to go back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$226
Female$211

In general, female drivers pay less for car insurance than their male counterparts. In Shirley, this difference shakes out to about $15 a month. As illustrated in the table above, female drivers in the area pay about $211 on average, while male drivers pay around $226 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$249
Multiple Accidents$233
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Shirley, having a single accident on your record will usually get you rates around $249 a month.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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$347
2-3 Years$184
4-5 Years$161
6-7 Years$293
8-10 Years$139
11-14 Years$105
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 auto insurance coverage.

Car owners can expect to pay an average of around $252 a month for their policy, while SUVs usually cost around $190 a month to insure.

In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. 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. 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)$232
Married$149
Divorced$141
Widowed$67

Overall, people who are married will pay slightly less for insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Shirley is no exception, with the difference totaling to around $83 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$189
Rent$250
Live with parents$144

Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Shirley, expect to pay around $61 a month more than if you own your home. 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 average premiums.

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.

Auto insurance rates in Shirley declined from 2016-2017, before increasing from 2018-2020. They finished down in 2021 at $204.

How does Shirley compare to neighboring areas?

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

There are numerous factors car insurance companies take into consideration when choosing how much to charge for coverage. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:

  • Frequency of car accidents
  • Area laws
  • Number of drivers
  • Off-street parking access
  • Local crime rates

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Shirley?

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.

Don't worry, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from several of the car insurance companies providing policies in Shirley.

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Shirley Insurance FAQs

What factors affect car insurance quotes in Shirley?

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, credit score, driving record, and marital status.

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 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 by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Shirley?

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 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.

Find your best rate in just a few minutes