Smithtown, NY Car Insurance

Drivers in Smithtown pay, on average, $148 a month for their car insurance. Learn more in our handy guide below.
What can Smithtown residents expect to pay for their car insurance? Compared to their surrounding area, how do rates in Smithtown stack up? What about against the rest of New York? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Smithtown?

Area Average Monthly Car Insurance Premium
Smithtown$148
NY$198
United States$80

Based on the above chart, auto insurance policies in Smithtown are about $50 a month cheaper than in the rest of New York.

Conversely, residents of Smithtown might expect to pay higher rates for coverage than the rest of the country. The cost of insuring a vehicle in Smithtown is about $68 more expensive than the average rate for the rest of the U.S.

Bear in mind that while these are the average car insurance rates for Smithtown, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.

We've broken down average rates for Smithtown to help you understand what your policy's monthly premium will cost. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$242
25-34$154
35-44$108
45-54Not Enough Data
55-64$72
65+$120

The longer you've been behind the wheel, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates begin to increase again in Smithtown.

Average Car Insurance Rates by Gender

Gender Average
Male$155
Female$116

On average, female drivers pay slightly less than male drivers for car insurance. In Smithtown, the difference comes out to about $39 per month. As you can see in the table above, female drivers in the area typically pay $116 on average, while female drivers typically pay $155 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$144
Multiple Accidents$171
1 TicketNot Enough Data
Multiple Tickets$158

Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Smithtown, having a single accident on your record will usually get you rates around $144 a month.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$170
2-3 Years$133
4-5 Years$169
6-7 Years$112
8-10 Years$185
11-14 Years$217
15 Years or Older$121

According to the first table above, the cheapest vehicles to insure in Smithtown are by and large trucks and vans, at $53 per month.

SUV drivers will see rates of about $152 for car insurance coverage, while car owners typically pay around $148 a month.

In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Smithtown, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$152
Married$117
Widowed$53

Generally speaking, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Smithtown, with married couples paying about $35 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$146
Rent$146
Live with parents$194

Another factor taken into consideration is your housing status. Homeowners and renters alike can expect to pay about $146 per month for coverage in Smithtown.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Smithtown, NY

Recent trends in car insurance for Smithtown drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.

In Smithtown, the rates for auto insurance declined from 2016-2017, before steadying out in 2019. Insurance rates fell again recently, hitting a low of $136 in 2021.

How does Smithtown compare to neighboring areas?

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

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

  • Number of drivers in the region
  • Road Safety (frequency of local car accidents)
  • Area crime rates
  • Access to off-street parking
  • Regional regulations

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Realizing 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 corner of the world.

How can I find the cheapest car insurance in Smithtown?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Luckily, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer policies in Smithtown.

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Smithtown Insurance FAQs

What factors affect car insurance quotes in Smithtown?

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

Why is the cost of car insurance in Smithtown 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 Smithtown?

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

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

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Smithtown or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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