Westbury, NY Car Insurance

On average, Westbury drivers pay a monthly average rate of around $174 for their car insurance. Learn more in our handy guide below.
How much can residents of Westbury expect to pay for their car insurance? How does Westbury stack up to the rest of the area, or even New York as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Westbury?

Area Average Monthly Car Insurance Premium
Westbury$174
NY$198
United States$80

Based on the chart above, you can see that coverage in Westbury typically costs about $24 a month less than it does in the rest of New York.

On the other hand, residents of Westbury might expect to pay higher rates for coverage than the rest of the country. You can expect to pay about $94 more for your policy in Westbury.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've done the heavy lifting for you and broken down the average rate for Westbury so that you can get a more accurate idea of what your monthly bill might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$229
25-34$132
35-44$142
45-54$166
55-64$164
65+$363

For every 10 years, you can expect to see a decrease in your monthly premium. Westbury drivers may see their rates begin to increase again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$174
Female$179

Despite the national trend of women paying less than men to insure their car, in Westbury men actually pay $174 per month for coverage while women pay $179.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$152
Multiple Accidents$282
1 TicketNot Enough Data
Multiple Tickets$92

Rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Westbury, drivers with one accident on their record will experience rates around $152 a month.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$198
2-3 Years$132
4-5 Years$224
6-7 Years$189
8-10 Years$199
11-14 Years$151
15 Years or Older$139

In terms of affordable coverage, the cheapest vehicles to insure in Westbury are typically trucks and vans, at $104 per month.

Car owners, on the other hand, usually pay around $177 a month, while SUV drivers can expect to pay about $184 per month to insure their vehicle.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Westbury, vehicles four-to-five years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$170
Married$191

Generally speaking, married policyholders 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.

The difference in rates based on relationship status in Westbury can be as much as $21 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$145
Rent$194
Live with parents$118

Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment in Westbury, expect to pay around $49 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

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 car insurance premiums.

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 selecting an insurance provider.

The rates for car insurance in Westbury declined from 2016-2018, before increasing from 2019-2020. They finished down in 2021 at $168.

How does Westbury compare to neighboring areas?

Why are car insurance rates in Westbury different from other areas?

There are a number of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:

  • Crime
  • Frequency of car accidents
  • Amount of off-street parking
  • Community laws
  • Number of drivers in the area

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 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.

Don't worry, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing policies in Westbury.

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Westbury Insurance FAQs

What factors affect car insurance quotes in Westbury?

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 make and model, year, driving record, credit score, as well as your marital status and address.

Why is the cost of car insurance in Westbury different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Westbury?

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 by using sites like Compare.com to compare multiple quotes at once.

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?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Westbury or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes