Hempstead Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in New York has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Hempstead typically pay around $314.51 per month compared to the national average of $167.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Hempstead, NY Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, New York Central Mutual Fire generally has the most affordable car insurance in Hempstead coming in around $130.31 per month. Other companies to consider if you live in Hempstead is USAA with an average cost of $173.30 per month and Erie which typically runs around $189.21 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Hempstead.

How Much is Car Insurance in Hempstead, NY?

Rates can vary from city to city. The residents of Albany typically pay $142.11 per month while people who live in Bronx will pay $298.19 per month on average. See what people pay for car insurance in other cities in New York.

Cheap Car Insurance in Hempstead by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of New York. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Hempstead

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $273.34 per month in Hempstead. Compare that to drivers in their 30’s who typically pay around $194.68 per month drivers in their 40s at $148.80 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Hempstead

If you are teen in Hempstead you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, New York Central Mutual Fire typically charges around $176.88 per month. This is likely the most affordable option in Hempstead. You might also want to consider Erie and Tower Insurance Company of New York who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Hempstead

20 year-olds in Hempstead might want to consider New York Central Mutual Fire who, on average, offers car insurance rates around $138.72 per month. Safeco , USAA , Erie and Metropolitan are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Hempstead

If you are in your 30s in Hempstead our research has found that New York Central Mutual Fire typically has the most affordable coverage coming in around $127.87 per month, followed by USAA at $153.48 and Travelers at $183.00.

Cheapest Insurance for 40 Year-olds in Hempstead

On average, New York Central Mutual Fire offers car insurance for 40 year-olds in Hempstead for around $118.63 per month. If you are looking for affordable coverage, you may also want to consider USAA or Erie. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Hempstead

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Hempstead we found that New York Central Mutual Fire generally offers the most affordable coverage at $114.28 per month.

Cheapest Insurance for 60 Year-olds in Hempstead

If you live in Hempstead and you’re in your 60s, our data indicates that New York Central Mutual Fire usually has the best rates at $119.56 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Hempstead, NY

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Hempstead, the average monthly rate for a driver who is currently insured is $376.94 while drivers who are not currently covered will pay around $241.29.

Compare Recent Car Insurance Quotes in Hempstead

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Hempstead a driver of a 2008 GMC Acadia can expect to pay around $65.57 per month while someone that owns a 2020 Nissan Altima may pay around $63.07 per month. Check out the list of recent quotes in Hempstead below.

FAQ's for Drivers in Hempstead, NY

What Is the Minimum Liability Coverage Requirement in Hempstead, NY?

Every state requires drivers to have a minimum amount of liability coverage. New York drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

• $25,000; Bodily injury coverage per person; Minimum coverage for serious or permanent injury to a single person
• $50,000; Death liability coverage per person; Minimum coverage for death for a person involved in an accident
• $10,000; Property damage liability per accident; Minimum payment for damaged property in an accident caused by you

In New York, you must have state-issued auto liability insurance coverage to register your vehicle. If you fail to continuously maintain this coverage, the Department of Motor Vehicles can suspend your driver’s license and registration.

The minimum amount of coverage is $10,000 for property damage, $25,000 for bodily injury and $50,000 for the accidental death of one person. For two or more people involved in an accident, you must carry $50,000 for bodily injury and $100,000 for death. New York also requires a minimum of $25,000 of uninsured motorist coverage.

What Is the Blood Alcohol Concentration (BAC) limit in Hempstead, NY?

It is against the law to operate a motor vehicle in New York with the following BAC percentages:

• .08%+ at 21 years or older
• .04%+ for commercial vehicle drivers
• .02%+ at under 21 years old

There are different levels of DUI in New York State. For more information about New York’s DUI laws, refer to the New York Department of Motor Vehicles Alcohol and Other Drugs.

What happens if my coverage lapses?

If you experience a lapse in insurance coverage in New York State, your registration and/or driver’s license can be suspended. If you’re caught driving without insurance, you may be ticketed or arrested and your vehicle can be impounded.

Check Out Other Rates in Hempstead, NY Nearby Cities: