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Cheap Auto Insurance Quotes in Astoria, NY (January 2022)

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Last Updated: January 2022

Car Insurance in Astoria, NY

The average cost of New York car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Astoria, NY to find you the cheapest quotes in the area.
$106
$209
$286
$314
$340
TSC DirectTravelersProgressiveMidvale Home & AutoPlymouth Rock

Cheapest Car Insurance in Astoria, NY

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

$246
$181
$204
$366
$186
$292
New YorkNew York CityBrooklynBronxStaten IslandAstoria
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Astoria, NY Driving Facts

new-york

Minimum Car Insurance Requirements in NY

The state of New York requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in New York are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident

Bodily injury liability coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits New York state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

The minimum property damage liablilty insurance requirements in New York are: 

  • $10,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of New York requires $10,000 for the minimum. You’ll see the collective state minimum listed at 25/50/10. The second 10 refers to the property damage liability. Once again, any damages above the $10,000 are your responsibility.

  • $50,000 personal injury protection (PIP) per person per accident

New York is a no-fault state, so Personal Injury Protection (also called no-fault insurance) is a mandatory coverage for all drivers. New York PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The state requires $50,000 for the minimum.

What happens if a driver hits you without insurance or enough insurance to pay for your damages? The state requires uninsured motorist coverage and underinsured motorist coverage:

  • $25,000 uninsured/underinsured motorist bodily per person
  • $50,000 uninsured/underinsured motorist bodily per accident

Uninsured motorists bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.

Underinsured motorist bodily injury pays your medical expenses if you’re hit by someone who does not have high enough policy limits to cover your costs.

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Insurify Insights: How Astoria Drivers Measure Up

honda
Honda Civic
Most Popular Car in
Astoria, NY
suspended licenses
#24
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Astoria drivers measure up to their fellow New York motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Astoria

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Astoria drivers rank 33 in the number of car accidents per driver across all cities in New York.

  • Rank within state: #33
  • Percent of drivers in Astoria with an accident: 5.77%
  • Drivers in Astoria, NY with an accident in their driving history paid on average --% more than drivers with a clean record

Speeding in Astoria

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New York, Astoria drivers rank 18 in the number of speeding infractions per driver.

  • Rank within state: #18
  • Percent of drivers in Astoria with a speeding ticket: 5.77%
  • Drivers in Astoria, NY with a speeding ticket in their driving history paid on average -90.35% more than drivers with a clean record

DUI/DWIs in Astoria

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Astoria drivers rank 24 in the number of DUI’s per driver across all cities in New York.

  • Rank within state: #24
  • Percent of drivers in Astoria with a DUI: 1.08%
  • Drivers in Astoria, NY with a DUI in their driving history paid on average --% more than drivers with a clean record

Rude Drivers in Astoria

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in New York, Astoria drivers rank 8 in rude driving infractions.

  • Rank within state: #8
  • Percent of drivers in Astoria with a reckless driving violation: 1.8%
  • Drivers in Astoria, NY with a reckless driving violation in their driving history paid on average --% more than drivers with a clean record.

Safest Drivers in Astoria

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Astoria drivers rank 4 in clean driving records across all cities in New York.

  • Rank within state: #4
  • Percent of drivers in Astoria with clean record: 88.65%

Failure to Yield the Right of Way in Astoria

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Astoria drivers rank 8 in failure to yield violations per driver across all cities in New York.

  • Rank within state: #8
  • Percent of drivers in Astoria with a failure to yield violation: 0.36%
  • Drivers in Astoria, NY with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Astoria

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in New York, Astoria drivers rank 8 in the number of reckless driving offenses per driver.

  • Rank within state: #8
  • Percent of drivers in Astoria with a reckless driving offense: --%

Most Popular Vehicle in Astoria

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Astoria is the Honda Civic.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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