Table of contents
How much is car insurance in Wantagh?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, car insurance rates in Wantagh are about the same as the rest of New York.
Similarly, Wantagh residents will likely pay higher rates to insure their vehicle than in the rest of the country. The cost of insuring a vehicle in Wantagh is about $120 more expensive than the average rate for the rest of the U.S.
Bear in mind that while these rates are the average costs for drivers in Wantagh, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down the average rate for Wantagh residents based on several different factors 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 below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay $178 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates begin to go back up once you hit retirement in Wantagh.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Wantagh, male drivers pay about $89 more a month. Based on the chart above, you can see that male drivers pay $230 on average, while female drivers typically pay $141 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Rates can change drastically depending on your driving record. Those with clean records will obviously pay significantly less than those with infractions. The rate for drivers in Wantagh with a single accident on their record is about $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|
The most affordable vehicles to insure in Wantagh are typically SUVs, which run about $128 per month.
Car owners can expect to pay an average of around $245 a month for their policy, while truck and van drivers are usually around $176 to insure each month.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Wantagh are vehicles eleven-to-fourteen years old and less than or equal to one-year-old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$207|
Generally, those who have settled down into marriage will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Wantagh as well, where the difference is around $34 a 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 situation. Renters can expect to pay around $48 a month less than homeowners in Wantagh. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Wantagh, NY
Recent trends in car insurance for Wantagh 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 choosing your car insurance policy.
In Wantagh, the rates for car insurance increased from 2015-2017, before leveling out in 2018. Policy premiums finished up in 2021, at $162 per month
How does Wantagh compare to neighboring areas?
Why are car insurance rates in Wantagh different from other areas?
When considering how much to charge for coverage, car insurance companies will review a number of factors. Your insurance policy will depend largely on where you live and will be influenced by things such as:
- General road safety (how many accidents each locality has)
- Total number of drivers in the area
- Regional laws
- Amount of off-street parking
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge 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 particular neighborhood.
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.
Fortunately, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from many of the car insurance companies providing coverage in Wantagh.
Wantagh Insurance FAQs
What factors affect car insurance quotes in Wantagh?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Wantagh 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, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Wantagh?
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 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Wantagh 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.