Smithtown, NY Car Insurance

Drivers in Smithtown pay, on average, $149 a month for their car insurance. To learn more about car insurance rates in the Smithtown area, read our guide below.
What should residents of Smithtown expect to pay for their car insurance? How does Smithtown stack up to the rest of the area, or even New York as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Smithtown?

Area Average Monthly Car Insurance Premium
Smithtown$149
NY$199
United States$81

Compared to the rest of the New York, coverage in Smithtown is about $50 a month cheaper.

That being said Smithtown residents will likely pay higher rates for their insurance policy 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.

Keep in mind that these are the average auto insurance rates for Smithtown, and that the rate you get could end up being something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. 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 your monthly policy payment.

We've done the heavy lifting for you and broken down the average rate for Smithtown so that you can get a more accurate idea of what you might pay. 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$152
35-44$108
45-54Not Enough Data
55-64$77
65+$152

It's pretty safe to assume that the older you are, the longer you've been driving. That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay $90 more than drivers of retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. Smithtown drivers may see their rates climb back up a bit once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$155
Female$116

Male drivers pay, on average. slightly more than female drivers for auto insurance. In Smithtown, male drivers pay about $39 more per month. As you can see in the chart above, car insurance for women in the area typically costs around $116 each month, while men pay $155 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$144
Multiple Accidents$171
1 Ticket$133
Multiple Tickets$158

Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Smithtown, having a single accident on your record will usually get you rates around $144 a month. Similarly, drivers with one ticket will typically pay around $133 on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. 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$170
2-3 Years$133
4-5 Years$169
6-7 Years$112
8-10 Years$185
11-14 Years$195
15 Years or Older$127

The cheapest vehicles to insure in Smithtown are by and large trucks and vans, with each type typically costing about $53 per month.

SUV drivers will see rates of about $152 for car insurance, while car owners typically pay around $149 a month.

Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. 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)$151
Married$117
Widowed$173

Generally, married policyholders will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Smithtown as well, where the difference is around $34 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$148
Rent$143
Live with parents$194

Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $5 less than homeowners in Smithtown. But those who live at home with their parents can expect to pay significantly more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Smithtown, NY

Recent trends in car insurance for Smithtown drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

The rates for auto insurance in Smithtown declined from 2016-2017, before steadying out in 2019. Policy premiums decreased again, hitting a low of $121 in 2021, and finished up at $233 in 2022.

How does Smithtown compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review several factors. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:

  • Area laws
  • Road Safety (frequency of car accidents)
  • Crime levels
  • Off-street parking accessibility
  • Total amount of drivers in the community

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

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.

Luckily, Compare.com will handle the heavy lifting for you. Put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer plans in Smithtown.

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Smithtown Insurance FAQs

What factors affect car insurance quotes in Smithtown?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, address, marital status and driving record.

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

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 major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 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.

Find your best rate in just a few minutes