On average your neighbors pay $103 a month.See Your Rates
Due to its ever-growing population, New York has problem with traffic congestion that affects even smaller areas of the state, like Smithtown.
Although lots of traffic congestion usually causes locals to pay higher car insurance rates, that doesn’t have to be the case. Affordable car insurance rates are out there and we can help you find them.
How much is car insurance in Smithtown, NY? Residents shouldn't be surprised to hear car insurance costs more in Smithtown than it does in many other parts of the US. Average insurance rates in New York are a bit higher than the national average. The average cost of auto insurance in New York is $1,234.84 per year. The national average price is $889.01.
Prices vary depending on zip code, so you may pay less.
|Total Cost Per Year||$1,234.84|
|Price Per Month||$102.90|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the change in average New York insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, New York car insurance rates increased from $1,111 in 2011 to $1,234 in 2015, a jump of $123, or 11.12 percent.
QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Smithtown, New York and save up to 40% on your premium.
In fact, many local residents used QuoteWizard to compare car insurance quotes in Smithtown, NY from multiple companies to find the lowest rates.
These are the most common car insurance companies reported by QuoteWizard users living in Smithtown, New York last year.
Other popular Smithtown, New York car insurance companies: Nationwide, 21st Century, AAA, AIG, American Family, Country Financial, Esurance, and High Point.
These are the most common car makes and models owned by Smithtown, NY drivers requesting quotes through QuoteWizard last year.
Smithtown, NY has a minimum coverage requirement known as the 25/50/10 rule, which means each policy must include at least the following three components:
The policy must be in the name of the vehicle's registered owner and the coverage must remain in effect as long as the registration is valid even if you don't use the vehicle.
Driving conditions like weather and traffic congestion can influence your insurance rates.
Summers in Smithtown are nice and warm. Residents enjoy as many as 206 days with at least partial sunshine every year. They also experience a good amount of rain—although not too much. On average, 118 days see some amount of precipitation. Snow is common here too, and about 20 inches of it falls during a typical winter.
According to a recent study by TRIP, 38% of the major roads in and around New York are in poor condition. Another 42% are in mediocre or fair condition. These rough and worn streets costs drivers throughout the state a total of $6.3 billion annually.
Some of the moving violations that will give you a bad driving record and higher rates:
The State of New York DMV website:
In 2014, 155 car crashes involving alcohol took place within Suffolk County limits. They caused 75 injuries and 29 fatalities.
A DWI conviction will require you to obtain an SR-22 form. To get the lowest rate for the most expensive type of coverage, get a quote and compare rates from top companies that specialize in Smithtown DWI insurance.
Smithtown recorded 2,144 car crashes in 2016 resulting in 1,002 injuries.
Smithtown officials reported four fatal accidents resulting in four deaths in 2016. All traffic deaths are a tragic loss, and considering the estimated population of 26,470 Smithtown is a safe city in terms of traffic fatalities per capita.
Your chances of being a victim of a property crime, which includes motor vehicle theft, in Smithtown are one-in-80. This factors into a rate of 12.55 per 1,000 residents. This is well below the state average, which is 17.18 per 1,000 residents.
Are you looking for cheap car insurance? Discounts are one of the best ways to lower your insurance rates. These are some of the many auto insurance discounts available to drivers in Smithtown, NY.
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