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|Population Density||5,032 people/square mile|
|Average Annual Cost of Insurance||$5,977.49|
|Cheapest Car Insurance Company||USAA and Geico|
|Road Conditions||Poor share: 46%|
Mediocre share: 23%
Fair share: 13%
Good share: 18%
Vehicle operating costs: $719
The Town of Babylon was named after the famous ancient city that ran along the Euphrates River. Once a resort community, Babylon village is perhaps most famous as the place where Italian inventor Guglielmo Marconi built the nation’s first wireless radio station in 1902.
After the Industrial Age, with growth and development and the emergence of the car, highways and shopping centers ushered in suburban sprawl. Cars are now a big part of modern life. For some people, they’re status symbols, and for others, they take them where they need to go. But, to own them and to comply with state law, you need to buy insurance.
This complete guide to car insurance in Babylon will inform you about the factors that go into setting rates, the state of the town’s traffic and roadways, and so much more.
Are you ready to learn more? If you want to start researching rates, enter your zip code in the tool above.
The Cost of Car Insurance in Babylon
It’s no secret that car insurance can be expensive — for Babylon residents, the average price of an annual full coverage premium costs $5,977.49. And, if you can’t afford it, you may feel like you’re not getting all the coverage you need.
Never fear. This guide is here to save you money on your car insurance premiums. In the process, you’ll learn how much different coverage levels cost, the factors that affect your rates, and more car-insurance related topics. We partnered with Quadrant to give you the data in the sections below.
So, read on to further your education about car insurance.
– Male vs. Female vs. Age
According to Data USA, the average Babylon resident is 43-years-old. Regardless of your age, your gender can also affect how much you pay for your premiums. In New York and many other states, the practice of basing insurance rates on gender is legal.
This is how prices vary by age:
|35||60||17||25||Cheapest Rate||Cheapest Age|
The cheapest age is 60, and the most expensive is age 17. This goes to show that your age and driving experience factor into your rates. Now, let’s see how gender affects car insurance rates.
Females pay less, but the difference amounts to less than $400. Here’s how the prices vary between the sexes among different age groups.
|Married 35-year old female||$4,011.03|
|Married 35-year old male||$3,893.35|
|Married 60-year old female||$3,641.82|
|Married 60-year old male||$3,677.95|
|Single 17-year old female||$10,464.38|
|Single 17-year old male||$13,055.32|
|Single 25-year old female||$4,242.93|
|Single 25-year old male||$4,496.18|
Married 60-year-old females pay the cheapest car insurance premiums, followed by their male counterparts. Insurers charge 17-year-olds of both genders, who are among the least experienced drivers, the highest rates.
– Cheapest Zip Codes in Babylon
Your zip code is another major factor in your insurance costs. In Babylon zip code 11702, the annual cost of full coverage averages $5,977.49.
– What’s the best car insurance company in Babylon?
This section covers how the top insurers’ prices vary overall, and how other factors, including commute distance, coverage level, and your credit history determine your rates.
– Cheapest Car Insurance Rates by Company
The table below shows how much big-name insurers in the area charge different ages and genders.
|Group||Married 35-year old female||Married 35-year old male||Married 60-year old female||Married 60-year old male||Single 17-year old female||Single 17-year old male||Single 25-year old female||Single 25-year old male||Average|
Across the board, USAA and Geico charge the lowest rates. They range from $1,000 to $4,000 less than their competitors.
– Best Car Insurance for Commute Rates
The miles you drive regularly also affects your auto insurance costs. Generally, the more miles, the higher your premiums. In New York, drivers average 11,421 miles yearly.
|Group||10 miles commute. 6000 annual mileage.||25 miles commute. 12000 annual mileage.||Average|
Nationwide, Travelers, and Progressive don’t consider commute distances, however, USAA and State Farm do. With those insurers, there’s a difference of $100 to $400 for ten-mile versus 25-mile commutes.
– Best Car Insurance for Coverage Level Rates
Depending on how much coverage you buy, you may pay more or less for insurance. Let’s see how prices change with different coverage levels.
With some insurers, such as USAA and Allstate, the price difference between low and high coverage is as little as $400 or as much as $1,000. So, full coverage is affordable and a better value, as it offers more protection in case of an accident.
– Best Car Insurance for Credit History Rates
Credit history is an obvious factor in insurance costs. Often, the higher your score, the less you’ll pay. Here’s how credit scores affect prices among the top insurers.
Nationwide doesn’t count credit history when it sets rates in Babylon, however, with other insurers, drivers with poor credit versus may pay as much as $4,000 more than those with good credit.
– Best Car Insurance for Driving Record Rates
If you’ve earned points on your driving record, you know they can raise your insurance rates. The table below reveals how much prices can increase with common driving infractions.
|Group||Clean record||With 1 accident||With 1 DUI||With 1 speeding violation||Average|
Geico and Liberty Mutual don’t raise their rates for one speeding ticket. With Progressive, one ticket can increase your premiums by $50, while Allstate raises them by $1,400. This is all the more reason to drive safely.
– Car Insurance Factors in Babylon
We’ve covered some of the most common risks insurance companies associate with drivers. Here we’ll go over even more of the most vital factors in your car insurance costs, including the local economy, your earnings, job, and education level.
– Metro Report – Growth & Prosperity
The Brookings Institution’s Metro Monitor reports that the New York-Newark-Jersey City area ranks 11th out of 100 cities nationwide for prosperity and 36th overall for growth.
Prosperity captures changes in the average wealth and income an economy produces. When worker productivity contributes to a metropolitan area’s growth, through innovation or training, for example, the value of those workers’ labor rises.
This is how the New York-Newark-Jersey City area grew from 2007 to 2017:
- Productivity: +1.7 percent (20th of 100)
- Standard of living: +3.2 percent (7th of 100)
- Average annual wage: +1.7 percent (16th of 100)
Levels of productivity and the average annual wage grew at the same rate (1.7 percent) while the standard of living nearly doubled those percentages.
Growth indicators measure the change in the size of an urban area’s economy and its level of entrepreneurial activity. Growth and entrepreneurship create new opportunities for individuals and can help a metro economy become more efficient. These figures measure growth in gross metropolitan product, the number of jobs, and the number of jobs at young firms.
Here’s how the area grew from 2007 to 2017:
- Jobs: +1.6 percent (38th of 100)
- Gross metropolitan product (GMP): +3.4 percent (21st of 100)
- Jobs at young firms: +3.3 percent (51st of 100)
The area performed well, for the most part, ranking in the top half for job and GMP growth in a well-established, high population market.
– Median Household Income
According to Data USA in 2017, the average household income in Babylon rose to $123,110 from the previous year’s earnings of $110,191.
Based on the 2017 average annual income and an average annual full coverage premium of $5,977.49, 5 percent of Babylonians’ yearly earnings go to car insurance. How much do you pay? To find out, try our free calculator below.
– Homeownership in Babylon
Homeownership shows that a driver may be more reliable and able to pay car insurance premiums. If you own a home, you may pay less for car insurance than if you rent. To save more, homeowners can also bundle their home and car insurance.
According to Data USA, the median property value in Babylon was $453,400 in 2017, up from the previous year’s value of $440,400. In 2017, 76.2 percent of the housing units in Babylon were owner-occupied. This percentage grew from the previous year’s rate of 74.3 percent. The amount of owner-occupation is higher than the national average of 63.9 percent.
The chart below shows the average property values in Babylon:
In 2017, the largest share of households had a property value in the $500,000 – $750,000 range.
– Education in Babylon
Your education level also affects your car insurance rates. Incidentally, no colleges or universities are directly in Babylon.
According to Data USA in 2016, the institution with the largest number of graduating students was Stony Brook University, which awarded 7,216 degrees.
Suffolk County Community College offers several degrees and certificates in business, marketing, and education, which suit those entering the most common occupations in Babylon: management, sales and related, and education, training, and library positions.
– Wage by Race & Ethnicity in Common Jobs
Data wasn’t available at the county level, so the chart below shows wages by race and ethnicity for the entire state of New York.
In 2017 the highest paid race/ethnicity of New York workers was White. These workers were paid 1.04 times more than Asian workers, who made the second highest salary of any race/ethnicity. The table below shows the percentage of the top three races and ethnicities’ incomes that pays for car insurance:
|ANNUAL INCOME||% OF INCOME||NOTES|
|$5,977.49||$46,207||12.94%||Two or More Races|
Workers of two or more races, who earned less than Whites and Asians, paid 13 percent of their earnings toward auto insurance premiums.
– Wage by Gender in Common Jobs
In 2017, with an average annual wage of $76,804, full-time male employees in New York made 1.3 times more than female employees, who averaged $59,246. At those rates, eight percent of male workers’ wages paid for car insurance, while ten percent of female workers’ pay went toward premiums.
– Poverty by Age and Gender
According to Data USA, these are the poverty rates by age and gender in Babylon. Of those who meet the standards, 4.5 percent of Babylon residents (550 of 12,200 people) live in poverty, a lower figure than the national average of 13.4 percent. The largest demographic living in poverty are females ages 25 – 34, followed by females 75+ and males ages 6 – 11.
– Poverty by Race & Ethnicity
These are Data USA’s poverty rates by race and ethnicity in Babylon. The most common racial or ethnic group living below the poverty line in Babylon is White, followed by Hispanic and Black.
– Employment by Occupations
According to Data USA, from 2016 to 2017, employment in Babylon grew at a rate of 1.43 percent, from 6,580 to 6,670 employees.
The most common jobs by the number of people living in Babylon are office and administrative support occupations, sales and related, and education, training, and library jobs.
Driving in Babylon
With its low population, you won’t see much traffic congestion in Babylon. But, in New York, if you drive, you’ll likely face several challenges, which can cause more than a few headaches.
To calm your nerves, here we’ll explore the major aspects of Babylon’s roads: major highways, pavement conditions, popular road trips, and traffic laws.
Read on to learn more.
– Roads in Babylon
Babylon has its share of highways, roads, and even speed traps, as you’ll discover when you read on below.
– Major Highways in Babylon
New York state has 31 active routes spread across 1,730.34 miles. The map below shows the major highways that run through Babylon.
These are the major roads in Babylon:
- Southern State Parkway
- Robert Moses Causeway
- Ocean Parkway
- New York State Route 24
- New York State Route 27
- New York State Route 27A
- New York State Route 109
- New York State Route 110
- New York State Route 231
As shown on the map, some county routes, such as (CR-3, CR-12, CR-34, and CR-50) also cross Babylon. The city has no toll roads.
– Popular Road Trips/Sites
Babylon is among several cities and towns along Long Island that offer everyone some interesting and exciting things to do. The town made OnlyInYourState.com’s list of the Six Most Underrated Towns on Long Island. It also made TripAdvisor’s lists of top-rated Babylon restaurants and attractions.
This video features many of the attractions Suffolk County is known for:
– Road Conditions in Babylon
Below are pavement conditions and vehicle operating costs in the New York area from TRIP, a national transportation research group:
Nearly 50 percent of the roads are in poor condition, and about one-quarter of them are in mediocre shape. Just under one-third of area roads are in fair and good condition, so you’re likely to face some tough terrain in your travels.
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– Does Babylon use speeding or red light cameras?
Babylon has no speeding or red light camera laws. According to the Insurance Institute for Highway Safety (IIHS), Suffolk County has legalized red-light cameras.
The following news report reveals that the county, which has red light cameras in 100 intersections, recently voted to extend its red-light camera program for another five years:
– Vehicles in Babylon
With car ownership, you may deal with problems, such as traffic congestion, busy highways, road hazards, and potential vehicle theft. We’ll cover these issues and more facts involving car ownership below.
– Vehicles Most Popular Vehicles Owned
According to YourMechanic, only 31 percent of vehicles in New York are American-made. The site doesn’t have data specifically for Babylon, but their information on New York shows that the most popular car there is the BMW 328i xDrive.
In the video below, Consumer Reports reviews the BMW 328i, raving over its “fantastic” fuel economy and “scalpel-like” handling that make it fun to drive. The National Highway Traffic Safety Administration (NHTSA) gave the 2015 models a five-star safety rating.
– How many cars per household
According to the Census.gov, most households in Babylon own two cars, followed by three cars, which match the nationwide averages closely.
– Households without a Car
We don’t have statistics on the number of households that don’t have a car in Babylon, but below are some stats for New York City. Understandably, these numbers may vary from those in Babylon because of the differences in the population and the traffic levels.
– Speed traps in Babylon
According to Speedtrap.org users, officers may catch speeders at State Highway Robert Moses Causeway near Bridge Crossing.
– Vehicle Theft in Babylon
Vehicle theft happens everywhere, even in Babylon. The map below from Neighborhood Scout features the safest neighborhood in town, Park Avenue/Deer Park Avenue.
Neighborhood Scout gives the town a Crime Index of 49, which means that it’s safer than 49 percent of U.S. cities.
The Federal Bureau of Investigation didn’t have statistics for the number of vehicle thefts in Babylon. According to Neighborhood Scout, your chances of becoming a victim of property crime in Babylon are one in 76 and one in 66 statewide. The chart below shows the average number of violent crimes and property crimes in Babylon in a given year.
|Number of Crimes||12||159||171|
|Crime Rate (per 1,000 residents)||0.99||13.09||14.08|
As shown, most of the criminal activity in the town involves property crimes, including vehicle theft.
The news clip below features a report about a man who stole a vehicle and crashed it into a police car, seriously injuring an officer in West Babylon:
– Traffic in Babylon
This section features information about traffic congestion in the New York metropolitan area, the busiest highways, and the safety of the streets and roads.
– Traffic Congestion
As we mentioned, with its low population, Babylon isn’t known for its congestion. Major traffic monitors such as Inrix and the TomTom Traffic Index show that New York City has the worst traffic in the state and it ranks highly worldwide, too.
TomTom ranks New York City 42nd in the world for its traffic congestion. The congestion level on highways and non-highways is 36 percent, with the percentage rising during commutes.
Morning commuters face average congestion levels of 55 percent and an extra 17 minutes of driving. In the evening, congestion levels rise to 69 percent, which amounts to an additional 21 minutes of drive time.
Inrix rates New York the 40th most congested city worldwide, and fourth in the U.S. Motorists there lost 133 minutes in traffic jams in 2018, which cost them an average of $1,859.
This news report reveals that New York is the first city to charge drivers for traffic congestion — the first of its kind in the nation. The revenue — an estimated gross of $1 billion — would go toward fixing the city’s aging subway system. NYC plans to implement this charge starting Dec. 31, 2020:
Babylon residents drive longer commute times (32.5 minutes) than the average U.S. worker (25.1 minutes). Further, 13 percent of the workforce in Babylon faces “super commutes” longer than 90 minutes.
In 2017, three-quarters of Babylon commuters drove alone, which nearly matched the U.S. average, while more than ten percent took public transportation.
– How safe are Babylon’s streets and roads?
In this section, you’ll find out how many fatal accidents happened on Suffolk County roads in 2017, courtesy of the National Highway Traffic Safety Administration (NHTSA). We’ll cover everything from the total fatalities by county to vehicle and railroad accidents.
- Fatalities (All Crashes) = 121 total
- Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC = .08+) = 37
- Single Vehicle Crash Fatalities = 81
- Fatalities in Crashes Involving Speeding = 41
- Fatalities in Crashes Involving a Roadway Departure = 51
- Fatalities in Crashes Involving an Intersection (or Intersection Related) = 51
- Passenger Car Occupant Fatalities = 43
- Pedestrian Fatalities = 37
- Pedal cyclist Fatalities = Five
Next, let’s see the fatalities by state/road function class. Below is data for New York State.
|INTERSTATE (RURAL)||INTERSTATE (URBAN)||FREEWAY AND EXPRESSWAY||OTHER PRINCIPAL ARTERIAL||MINOR ARTERIAL||COLLECTOR ARTERIAL||LOCAL||UNKNOWN||TOTAL FATAL CRASHES|
Most of the crashes occurred on arterial roads. An arterial road is a high-capacity urban road. Depending on the amount of traffic, the arterial road may be classified as a highway or a minor arterial road. A collector road gathers traffic from local roads and takes drivers to arterial roads.
Per the U.S. Department of Transportation (DOT), these are statistics on the railroad and highway crash incidents in Suffolk County from 2012 to 2016:
|Highway User Speed||Calendar Year||County||Highway||Highway User Type||Rail Equipment Type||nonsuicidefatality||nonsuicideinjury||City|
|0||2012||SUFFOLK||BRENTWOOD ROAD||Automobile||Psgr Train||0||0||ISLIP|
|0||2012||SUFFOLK||BAYPORT AVENUE||Pedestrian||Psgr Train||0||0|
|0||2012||SUFFOLK||RIDER AVE||Automobile||Psgr Train||0||0|
|10||2015||SUFFOLK||RIDER AVENUE||Automobile||Psgr Train||0||1|
|0||2015||SUFFOLK||CONNETQUOT AVE||Pedestrian||Psgr Train||0||0|
|0||2016||SUFFOLK||LITTLE EAST NECK ROA||Automobile||D||0||1|
|0||2016||SUFFOLK||ELIJAHS LANE||Pick-up truck||B||1||0||SOUTHOLD|
None of the accidents occurred specifically in Babylon or involved pedestrians, however, several vehicle/train accidents happened at no or low speed.
– Allstate America’s Best Drivers Report’
Allstate America’s Best Driver’s Report tracks the numbers of accident claims drivers make nationwide. The stats below cover the New York metropolitan area, which ranked 111th out of 200 major cities in 2018, down four spots from 2017.
New York City area drivers went eight years between accident claims, and they were 23 percent more likely to file a claim compared to the national average. They experienced 32.5 hard-braking events per 1,000 miles.
Compared to other cities, drivers face some dangers on the road in the nation’s most populous area, and they may be more likely to get into accidents than drivers in smaller cities.
Beyond regular taxi rides, below are the ridesharing services available in Babylon.
- Lyft – This lowest cost Lyft service will grant you a request for a regular four-seat car.
- Lyft Lux – Premium black car service limited to only the most luxurious makes and models.
- Lyft XL – This is the best Lyft option for larger groups. A Lyft Plus car can seat six or more passengers. Fare prices tend to run higher than a regular Lyft ride to compensate van and SUV drivers for their higher vehicle running costs.
- Uber X – This budget service gives riders a regular-size car that seats four.
- Uber XL – Uber’s service for larger groups will seat up to six passengers.
- Uber Premium – This is Uber’s luxury option for larger groups.
- Uber Premium SUV – When you choose an Uber SUV, a high-end SUV with seating for up to six people will arrive to pick you up.
– EStar Repair Shops
A program from Esurance, Estar helps drivers find the best repair shops in their areas. According to Estar, these are the top eight repair shops in and around Babylon:
SUPREME AUTO COLLISION & GLASS INC.
1034 ROUTE 109
LINDENHURST, NY 11757
P: (631) 226-8200
F: (631) 226-0579
CALIBER – BABYLON
336 GOVERNOR AVE.
WEST BABYLON, NY 11704
P: (631) 920-6969
NEWBRIDGE AUTO BODY
1353 NEWBRIDGE RD.
BELLMORE, NY 11710
P: (516) 781-0487
F: (516) 781-4944
SYOSSET’S COACH AUTOBODY REPAIRS INC.
61 OAK DR.
SYOSSET, NY 11791
P: (516) 921-0086
F: (516) 921-0497
CALIBER – HUNTINGTON
134 RAILROAD ST.
HUNTINGTON STATION, NY 11746
P: (631) 351-4856
BARRON BODY WORKS, INC.
381 SAGAMORE AVENUE
MINEOLA, NY 11501
P: (516) 746-6333
F: (516) 742-8306
SMITHTOWN AUTO BODY LTD.
157 W. MAIN ST.
SMITHTOWN, NY 11787
P: (631) 265-0110
F: (631) 265-5212
CARSTAR FAITH AUTO WORKS
853 S. 2ND ST.
RONKONKOMA, NY 11779
P: (631) 676-6366
F: (631) 676-6367
– Weather in Babylon
The U.S. Climate Data below for New York City shows that temperatures there aren’t too high or too low throughout the year, with average highs of 59 and lows of 41 degrees. It rains in the city for an average of 121 days or one-third of the year, and it gets more than three feet of rain annually.
|New York weather averages|
|Annual high temperature:||62.3°F|
|Annual low temperature:||48°F|
|Average annual precipitation - rainfall:||46.23 inch|
|Days per year with precipitation - rainfall:||121 days|
|Annual hours of sunshine:||2677 hours|
|Av. annual snowfall:||-|
City-Data shows that Babylon averages 25 natural disasters yearly, which is almost double the U.S. average of 13. Every year, roughly seven natural disasters lead to emergency declarations and 18 of them are presidential declarations.
Below is a breakdown of the causes of disasters. Note: some incidents may be assigned to more than one category.
- Hurricanes: Nine
- Floods: Seven
- Storms: Seven
- Snowstorms: Three
- Tornadoes: Two
- Winter Storms: Two
- Blizzards: Two
- Heavy Rain: One
- Power Outages: One
- Tropical Depression: One
- Water Shortage: One
- Other: Two
Overall, the area is subject to several floods, storms, and hurricanes every year. It also sometimes sees tornadoes, snowstorms, blizzards, and other weather events.
Because of the unpredictable nature of weather, it makes sense to buy comprehensive car insurance for protection from floods and storms and other hazards that can damage your vehicle.
– Public Transit in Babylon
Bus and rail service are available in Babylon to take riders where they need to go.
With the Suffolk County Transit bus, different types of fares are available for each kind of passenger:
- All Suffolk County Transit Bus Routes – full fare – $2.25
- Student – $1.25 (14 to 22 years old; high school/college ID required.)
- Children under five – free (Limit of three children when accompanied by an adult.)
- Seniors, people with disabilities, and Medicare cardholders – 75 cents (must carry valid ID)
- Suffolk County veterans – 75 cents (must present Suffolk County Veteran Resident Identification Card)
- Personal care attendants – free (when traveling with disabled passengers)
Riders may also pay their fares with the Suffolk FastFare Mobile Payment App for smartphones.
Passengers who want to take the railway can ride the Long Island Rail Road (LIRR). It’s the primary railroad line in the town running from the Nassau County Line and terminating in the Village of Babylon with stations from Amityville to Babylon.
Rail freight service also exists along the Central Branch which also uses some Montauk Branch trains running from the Main Line in Bethpage.
East of Babylon station, the Montauk Branch continues across the Babylon-Islip Town Line. Additionally, the Main Line runs through the northern part of the town with stations in Pinelawn, Wyandanch and Deer Park.
– Cost of Alternate Transportation in Babylon
Sometimes people want to take different kinds of transportation, such as bike rentals and carpooling, which are also available in Babylon.
Sunrise Tri in West Babylon provides bike rentals. Depending on the type of bike, rentals cost $40 or $50 daily or $175 or $200 weekly.
For those who seek carpools, “bicycle buddies,” or other transit options, the Town of Babylon offers a free “ridematching” service in partnership with 511 New York. Travelers can create a profile to find others to share rides with who travel along the same route.
– Parking in Babylon
The Town of Babylon provides free parking at the Wyandanch Train Station and the Copiague Train Station to those who have permits. For residents, the permits cost $65 and for non-residents, $200. Town of Babylon-owned surface parking lots at the Wyandanch Train Station are available only to residents with a free valid sticker permit.
Drivers without a parking permit may use the “Pay Lot” at the corner of Great Neck Road and Marconi Blvd. ($3 per day / numbered spaces only). The meters operate Monday through Friday. The lot is free and unrestricted on Saturdays, Sundays, and holidays.
Permit parking hours are Monday to Friday from 6:00 a.m. to 5:00 p.m. The town doesn’t require or enforce permit parking after 5:00 p.m. weekdays and on Saturdays, Sundays, and holidays. Permit holders may park for up to 24 hours at a time. Vehicles using handicap parking spaces don’t require a parking permit.
Metered parking is available around town.
Drivers of electric vehicles will find a ChargePoint charging station at 281 Phelps Lane in North Babylon.
– Air Quality in Babylon
Pollution from vehicle exhaust has been linked to health issues and even climate change. The pollution not only goes directly into the earth’s atmosphere, but it also reacts with other pollutants which make the situation worse. Children and people with chronic illnesses can be most sensitive to the effects.
Below are Environmental Protection Agency (EPA) air quality statistics for Suffolk County.
|Will County Air Quality Index||2016||2017||2018|
|Days With AQI||366||365||365|
|Days Unhealthy for Sensitive Groups||8||7||10|
|Very Unhealthy Days||-||-||-|
As shown above, in recent years, the air quality in the area has remained steady, however, there are several “unhealthy” days.
The New York Department of Motor Vehicles requires all gas-powered cars to undergo annual emissions testing. Most 1996 or newer cars and most 1997 or newer diesel-powered vehicles with a gross vehicle weight rating (GVWR) less than 8,501 pounds will need an On-Board Diagnostics Generation II (OBDII) emissions inspection.
Vehicles with a model year of 1995 and older, including those up to 25 model years old and that weigh 18,000 lbs. or less qualify for “low enhanced” emissions testing. Vehicles that meet heavy safety inspection standards, as the NY DMV defines, are exempt.
Each emissions inspection for gasoline-powered vehicles confirms the presence and connection of the vehicle’s required emissions control devices. This includes confirming that the gas cap is there, in good condition, and fits properly.
It’s not always easy to find out which insurance providers offer discounts to veterans and active members of the military. And, not all of them do.
To simplify your search, you’ll find that information further below. We also cover more facts and data about local military personnel, including the eras when most veterans in Babylon served.
So, get ready to learn more.
– Veterans by Service Period
Babylon has a large population of military personnel who served in Vietnam — four times greater than any other conflict.
– Military Bases Within an Hour
No military bases are located within an hour away from Babylon.
– Military Discounts by Providers
If you are or were in the U.S. military, most car insurance companies will want to give back by serving you. Many of them offer military discounts.
Below is a list of known providers who give military discounts. We excluded those who offer military discounts only to certain states.
|Insurance Company||Percentage Saved with Discount|
|Liberty Mutual (must be active duty)||4%|
*USAA gives a 15 percent military garage discount for garaging cars on a military base.
– USAA in Babylon
USAA provides car insurance only to U.S. military personnel and their families. The company’s insurance premiums tend to cost less than those of standard insurers.
Below, you will see how USAA’s and other insurers’ rates compare to the average annual full coverage premiums in Babylon, $5,977.49.
|GROUP||ANNUAL PREMIUM||COMPARED TO STATE AVERAGE (+/-)||COMPARED TO STATE AVERAGE (%)|
Compared to USAA and its other rivals, Geico offers the lowest annual car insurance rates in New York.
Unique City Laws
Every city and town has its own laws. If you’re not aware of the most important ones, you may break a law without realizing it.
We want you to remain a law-abiding citizen. So to help you reach that goal, below you’ll find some data on laws unique to the Town of Babylon, including parking regulations.
Keep reading to find out more.
– Hands-Free Law
Babylon doesn’t have any specific hands-free cellphone laws.
According to AAA, in New York “no person shall operate a motor vehicle while using a mobile telephone to engage in a call while the vehicle is in motion unless that person is using a hands-free device. Text messaging while driving is prohibited for all drivers.”
These laws are primary enforcement, which means a police offer can pull you over for using your cell phone.
– Food Trucks
The Babylon town code classifies food truck vendors as “peddlers.” As the law states, “Peddlers shall include, but not be limited to: hotdog and food/beverage trucks, stands or other means or objects from which hotdogs or food/beverages or any other merchandise are sold.”
Peddlers must apply for a license with the town before they start running a business there.
Applicants must pay a fee and provide certain details, such as their names and contact information, physical characteristics, photos, and a valid permit from the Suffolk County Department of Health Services. Veterans who have a valid veteran’s license from the Suffolk County Clerk don’t have to pay license fees.
– Tiny Homes
Tiny homes appeal to people who want to simplify their lives. Before you abandon standard housing, you should be aware that tiny homes have specific regulations.
A tiny home is usually considered a mobile home and must follow the same laws. If you are on a plot of land, you will need access to a septic tank, water, and other utilities before you can be approved to live on the land legally.
Babylon has enacted laws regulating mobile house trailers, mobile dwelling parks, and spaces for them. Also, the town doesn’t allow occupied house trailers to be parked on any street, road, avenue, boulevard, or parkway.
Don’t let the laws discourage you from owning a tiny home. Once you become familiar with the requirements, you’ll be ready to own a tiny house.
– Parking Laws
Babylon doesn’t have specific laws against parking in the wrong direction.
Except where the town authorizes angle parking, “every vehicle stopped, standing, or parked wholly upon a one-way roadway shall be so stopped, standing, or parked parallel to the curb or edge of the roadway, in the direction of authorized traffic movement, with its right-hand wheels within 12 inches of the right-hand curb or edge of the roadway, or its left-hand wheels within 12 inches of the left-hand curb or edge of the roadway.”
Babylon Car Insurance FAQs
Though we’ve given you a lot of information, you might still have some questions.
Below, we’ll answer some of the most frequently asked questions about the town and the car insurance available there.
So, read on to find out more.
– What towns are Town of Babylon?
- Villages: Amityville, Babylon, Lindenhurst
- Hamlets: Copiague, Deer Park, East Farmingdale, Gilgo, North Amityville, North Babylon, North Lindenhurst, Oak Beach & Captree, West Babylon, Wheatley Heights, Wyandanch
- Other communities: Copiague Harbor
– What county is Babylon, NY?
Babylon is located in Suffolk County.
– Is West Babylon a city?
West Babylon, New York is a census-designated place (CDP) in the Town of Babylon in Suffolk County. The population was 43,213 at the 2010 census.
– What are the “keep right” and “move over” laws in New York?
Drivers traveling in the same direction must exercise due care, include moving from a lane immediately adjacent, and reducing speed, to avoid colliding with a vehicle parked, stopped, or standing on the shoulder or any portion of the highway when the vehicle is an authorized emergency response, tow truck, or maintenance vehicle with its lights flashing.
– What are the penalties for driving without insurance in New York?
If you happen to let your insurance coverage lapse, you will face stiff penalties, which increase over time. In fact, the DMV will charge you for every day you don’t have insurance:
- 1-30 days: $8 daily
- 31-60 days: $10 daily
- 61-90 days: $12 daily
After 90 days, if you can’t pay the fees, the DMV will suspend your registration and your license. So, don’t leave home without car insurance. The total cost of driving without insurance, including the fees and a conviction, can cost you up to $2,400.
– What kind of car insurance is required in Babylon?
New York is a no-fault insurance state. That means that if another driver causes an accident that harms you, you must file a claim with your own insurance company to pay your medical bills and damages.
- $25,000 of liability coverage for bodily injury per person when you cause a car accident
- $50,000 of total liability bodily injury coverage per accident you cause regardless of how many people are injured
- $10,000 of liability coverage for property damage (per accident you cause)
- $50,000 in no-fault (personal injury protection) coverage
- Uninsured motorist coverage for bodily injury you sustain, subject to the same minimums
NOLO states that New York’s no-fault car insurance system applies to personal injuries from car accidents, not vehicle damage. You can, however, file a claim for vehicle damage (or a total loss) against the driver responsible, without limitations.
One way to avoid filing a potential lawsuit is to buy more coverage than the minimum required to pay for all of your injuries or vehicle damage. Otherwise, you may have to pay or file a case for compensation.
– How much is car insurance in Babylon?
The average annual rate for premiums in Babylon is $5,977.49. Depending on your needs and situation, you may pay more or less than average.
We hope you enjoyed this complete guide to car insurance in Babylon. If you’re ready to see how much you may pay for car insurance in Babylon, try our FREE calculator below for rates.