Best Auto Insurance Rates in Smithtown, New York

On average your neighbors pay $103 a month.

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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.

Average Smithtown Car Insurance Rates

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.

New York Average Annual Car Insurance Rates
Coverage Rates
Liability $804.51
Collision $385.02
Comprehensive $171.12
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.

New York average car insurance rates

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.

Best Car Insurance Companies in Smithtown, NY

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.

Top 10 Vehicles in Smithtown

These are the most common car makes and models owned by Smithtown, NY drivers requesting quotes through QuoteWizard last year.

  1. Honda Civic/EX
  2. Honda Accord LX
  3. Honda CR-V EX
  4. Jeep Grand Cherokee Laredo
  5. Jeep Grand Cherokee Limited
  6. Subaru Outback 2.5I Limited
  7. Honda Pilot EX/EXL
  8. Nissan Rogue S
  9. Land Rover Range Rover Sport HSE
  10. Toyota RAV4
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Minimum Car Insurance Requirements in Smithtown, NY

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:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The maximum amount insurance companies will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total your provider will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The most your insurer will pay for property damage caused by a car accident.

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

Driving conditions like weather and traffic congestion can influence your insurance rates.

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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.

Road Conditions

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.

Moving Violations

Some of the moving violations that will give you a bad driving record and higher rates:

  • Speeding tickets
  • Running red lights
  • Following other vehicles too closely
  • Drunk driving

Traffic Tickets

The State of New York DMV website:

  • Allows you to pay non-criminal traffic citations
  • Tells drivers how to request a hearing to contest a ticket
  • Provides helpful traffic court information

DWI Arrests

In 2014, 155 car crashes involving alcohol took place within Suffolk County limits. They caused 75 injuries and 29 fatalities.

SR-22 DWI Insurance

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.

Car Accident Statistics

Smithtown recorded 2,144 car crashes in 2016 resulting in 1,002 injuries.

Traffic Fatalities

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.

Vehicle Theft

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.

Car Insurance Discounts in Smithtown

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.

  1. Bundle your auto policy with your homeowners, renters insurance. Bundling your policies together can knock 15% off your premium
  2. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  3. Are you married or getting married soon? Make sure you ask about the married discount
  4. Remove full comprehensive coverage from your policy
  5. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  6. Maintain at least a B grade point average in school to qualify for the good student discount
  7. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  8. Drive less. Live close to work and get the low mileage discount
  9. Take a defensive driving course from an accredited driving school
  10. Shop around and compare affordable Smithtown car insurance quotes and discover every discount you qualify for

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