The Average Cost of Car Insurance in Garden City, NY, is $2,068

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The average cost of auto insurance in Garden City, NY, is $2,068. This cost is higher than most nearby locations like Williston Park, Mineola, Garden City South, Garden City Park, and West Hempstead. Residents in Garden City, NY, make car insurance less expensive by considering various factors like the neighborhood, age of the driver, and credit scores. Below is Zimlon’s analysis of factors that can help car owners in Garden City, NY, make car insurance less expensive.

Savings by Neighborhood: 

The neighborhood one lives in Garden City, NY, influences the cost of car insurance. Zimlon offers the service of finding accurate insurance quotes using one’s accurate zip code. Depending on several factors like the vehicle’s make and model and age of the driver, the insurance prices can vary. 


Paying a higher deductible will also help car owners to make car insurance less expensive in Garden City, NY. However, these deductibles can vary depending upon the make and model of the car. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. Zimlon’s research found that in Garden City, NY, the yearly premium on a deductible of $500 is $2,021, and it decreases to $1,707 when the deductible is $1,000.

Age of the Driver: 

Zimlon’s analysis found that teenagers in Garden City, NY, usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies. Below is a list by Zimlon highlighting the different costs of car insurance based on the age of the driver.


Multi-Car Insurance: 

Drivers who own multiple cars can make insurance less expensive by opting for a multi-car insurance policy by insuring all their vehicles under the same auto insurance company. Insurance companies in Garden City, NY, offer attractive discounts for bundling as well. Car owners can save more by purchasing their life, auto, and home insurance from the same insurance company.

According to Zimlon analysis, the cost of car insurance for two vehicles in Garden City, NY, is $3,640 helping car owners save nearly $496. Insuring three or four cars together can further reduce the cost of insurance and helps to save $744 and $993 respectively in Garden City, NY. 

Credit Score:

Having an “excellent” or “good” credit score will also help in making car insurance less expensive in Garden City, NY. Several auto insurance companies provide discounts to car owners that have a higher positive credit score. In Garden City, NY, if a driver’s credit score is exceptional, the cost of auto insurance can be as low as $1,774. Whereas the cost of car insurance can get as high as $2,811 and $3,373  if the credit score is average or poor.