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How much is car insurance in Wantagh?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Wantagh is in line with pricing for the rest of New York.
Drivers relocating the Wantagh should take note of the differences in average rates. The average monthly payment for the rest of the U.S. is about is about $119 cheaper than it is in Wantagh.
Although these are the average monthly costs for an auto insurance policy in Wantagh, that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
We've analyzed the average rate for Wantagh and broken down the different factors to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, 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 18||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay $178 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Wantagh may see their rates start to rise again once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Wantagh, the difference is around $89 a month. As you can see in the table above, female drivers in the area typically pay $141 on average, while female drivers typically pay $230 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. Drivers in Wantagh with a single accident will pay around $210 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$250|
|4-5 Years||Not Enough Data|
|15 Years or Older||$145|
If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Wantagh, with drivers paying around $128 per month for auto insurance coverage.
Car owners will see rates of about $245, while truck and van owners typically pay around $176 per month.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Wantagh, vehicles eleven-to-fourteen years old and less than or equal to one-year-old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$207|
More often than not, those who are currently married will pay slightly less for car insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Wantagh, with married couples paying about $34 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$341|
Another factor that comes into play is your living accommodations. Renters can expect to pay around $48 a month less than drivers who own property in Wantagh. But if you live with your parents, your rates will be significantly higher.
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 car insurance costs.
Car Insurance Companies in Wantagh, NY
Recent trends in car insurance for Wantagh 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.
Car insurance rates in Wantagh increased from 2015-2017, before leveling out in 2018. They finished up in 2021, at $162 a month
How does Wantagh compare to neighboring areas?
Why are car insurance rates in Wantagh different from other areas?
Car insurance companies will take into account a lot of factors when choosing 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:
- Area crime rates
- Local laws
- General road safety (how many accidents each locality has)
- Number of drivers in the area
- Off-street parking availability
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Wantagh?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies that offer auto coverage in Wantagh.
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Wantagh Insurance FAQs
What factors affect car insurance quotes in Wantagh?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Wantagh different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Wantagh?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Wantagh?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Wantagh or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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