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How much is car insurance in Westbury?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in New York is about $25 a month more expensive than it is in Westbury.
Conversely, the expected monthly payments for an auto insurance policy in Westbury are above the national average. The average monthly payment for the rest of the U.S. is about is about $93 cheaper than it is in Westbury.
While these numbers are the average rates for auto insurance in Westbury, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. 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 the bill you'll see each month.
We've broken down average rates for Westbury to help you understand what your policy's monthly premium will cost. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
You can expect to see your monthly premium drop every 10 years or so. Westbury drivers may see their rates begin to go back up once they hit retirement.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for car insurance coverage, this is not the case in Westbury, where female drivers pay around $179 per month while male drivers pay about $173.
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. A clean driving record will obviously get you a lower rate than one with accidents or infractions. The rate for drivers in Westbury with a single accident on their record is about $152 a month.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$184|
|15 Years or Older||$139|
According to the first table above, the cheapest vehicles to insure in Westbury are typically trucks and vans, at $107 per month.
Car owners can expect to pay an average of around $178 a month for their policy, while SUVs usually cost around $184 a month to insure.
Your vehicle's age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, your monthly bill may start to dip back down. In Westbury, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$171|
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 that will often get you a discount.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Westbury is no exception, with the difference totaling to around $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$118|
Your living situation is another factor that affects your monthly rate. Those who own their own home in Westbury can expect to pay around $51 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Westbury, NY
Recent trends in car insurance for Westbury drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
The cost of auto insurance in Westbury have been mixed as of late, it dropped in 2017, increased in 2019, and fell again in 2021, before finishing at $145 in 2022.
How does Westbury compare to neighboring areas?
Why are car insurance rates in Westbury different from other areas?
Car insurance companies will take into account a number of factors when choosing how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Community regulations
- Number of car accidents
- Total number of drivers in the area
- Off-street parking access
- Area crime rates
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Knowing 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 Westbury?
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 Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from several of the car insurance companies providing coverage in Westbury.
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Westbury Insurance FAQs
What factors affect car insurance quotes in Westbury?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Westbury different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Westbury?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Westbury?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Westbury or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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