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 $29 a month more expensive to insure your vehicle in Uniondale than it is in the rest of New York.
Similarly, the expected monthly payments for an auto insurance policy in Uniondale are above the national average. It's around $147 more expensive for coverage in Uniondale than the average rates seen in the rest of the U.S.
While these are the average car insurance rates for Uniondale, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
We've done the heavy lifting for you and broken down the average rate for Uniondale so that you can get a more accurate idea of what your policy will cost you. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can really work in your favor when it comes to auto insurance. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Drivers in Uniondale may see their rates start to rise again once they hit retirement.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Uniondale, the difference comes out to about $41 a month. As illustrated in the table above, female drivers in the area pay about $189 on average, while male drivers pay around $230 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Uniondale with a single accident will pay around $318 a month.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$73|
|15 Years or Older||$237|
The cheapest vehicles to insure in Uniondale are typically trucks and vans, with each type typically costing about $102 per month.
Car owners can expect to pay an average of around $240 a month for their policy, while SUVs usually cost around $210 a month to insure.
Your vehicle's age has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. In Uniondale, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$216|
Overall, those who are currently married will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
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 $118 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$271|
One other element taken into consideration is your housing situation. Those who own their own home in Uniondale can expect to pay around $106 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
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 Uniondale, NY
Recent trends in car insurance for Uniondale drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
The cost of insurance in Uniondale dropped from 2017-2018, when it reached a low of $125. This trend leveled out in 2019, when it began to increase, and has continued to do so through the present, where policy premiums hit a high of $358 per month.
How does Uniondale compare to neighboring areas?
Why are car insurance rates in Uniondale different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Community laws
- Frequency of car accidents
- Number of drivers in the area
- Amount of off-street parking
- Crime rates
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Uniondale?
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 can handle all of this for you. Simply enter your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies offering policies in Uniondale.
Uniondale Insurance FAQs
What factors affect car insurance quotes in Uniondale?
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 age and gender, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Uniondale different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Uniondale?
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 Uniondale?
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Uniondale 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.