Table of contents
How much is car insurance in Uniondale?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $22 a month more expensive to insure your vehicle in Uniondale than it is in the rest of New York.
Likewise, Uniondale residents should prepare to pay higher rates for coverage than the rest of the country. You can expect to pay about $140 more for your policy in Uniondale.
While these numbers are the average rates for auto insurance in Uniondale, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
Don't worry, we've done the work for you and broken down average rates for Uniondale to help you get a more accurate idea of what you'll be charged for your policy. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement age, however, you may see your rates start to rise again in Uniondale.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Uniondale, the difference comes out to about $34 per month. Looking at the table above, you can see that female drivers pay around $189 on average, while male drivers typically pay $223 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Uniondale, having a single accident on your record will usually get you rates around $318 a month. In addition, drivers with one ticket can expect to pay around $133 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$73|
|15 Years or Older||$229|
In Uniondale, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $107 per month for insurance coverage.
SUV drivers will see rates of about $208, while the rates for car owners average out to about $233 a month.
You may also see 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 around 5 years old, however, your monthly bill may start to dip back down. In Uniondale, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$210|
Generally, car insurance is slightly cheaper for married policyholders. This usually happens because companies will award 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. Uniondale is no exception, with the difference totaling to around $124 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$271|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Uniondale, expect to pay around $90 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Uniondale, NY
Recent trends in car insurance for Uniondale drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The cost of auto insurance coverage in Uniondale had been decreasing from 2017-2018, when it hit a low of $125. This pattern leveled out in 2019, when it began to rise, and has continued on that path through the present, where insurance rates reached a high of $263 per month.
How does Uniondale compare to neighboring areas?
Why are car insurance rates in Uniondale different from other areas?
Car insurance companies will take into account a variety of factors when they're figuring out how much to charge for a policy. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Amount of drivers in the area
- Regional laws
- Number of car accidents
- Off-street parking access
- Regional crime rates
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. 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 Uniondale?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Luckily, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer auto coverage in Uniondale.
Uniondale Insurance FAQs
What factors affect car insurance quotes in Uniondale?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Uniondale different from other neighboring cities?
Local laws, crime rates, and parking situations -- 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 Uniondale?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Uniondale?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Uniondale 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.