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Cheap Auto Insurance Quotes in Long Island City, NY, for 2023

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JJ Starr
Written by
JJ Starr
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Written by
JJ Starr
Insurance Writer
J.J. Starr is a health and finance writer with a background in banking, lending, and financial advising. She holds a Series 6, FINRA, and life insurance licensure and a master's degree from New York University. Through her writing, she strives to use her decade of experience to help consumers make sound financial choices. Connect with J.J. on LinkedIn.
Danny Smith
Edited by
Danny Smith
Photo of an Insurify author
Edited by
Danny Smith
Insurance Writer
Danny is an insurance writer at Insurify. Specializing in auto insurance, he works to help drivers navigate the complicated world of insurance to find the best possible policy. He received a bachelor's degree from the University of Massachusetts Amherst. You can connect with Danny on LinkedIn.

Updated July 21, 2022

Quick Facts

  • The average cost of car insurance in Long Island City is $366/mo. or $4,392 annually.

  • Car insurance in Long Island City is $17 more than the average cost/mo. in New York.

  • The cheapest top car insurance provider in Long Island City on average is Travelers.

Car Insurance in Long Island City, NY

Though car insurance is more expensive than the national average in Long Island City, you can still find an affordable car insurance policy. Drivers have plenty of options to choose from, with many companies offering competitive rates, so make sure you take the time to compare quotes before choosing your insurance provider.

Quotes by Top Companies

Travelers
$205
Progressive
$343
Liberty Mutual
$440
Nationwide
$498
Bristol West
$818

See More:

Cheap Car Insurance New York

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Cheapest Car Insurance in Long Island City, NY

What is the cheapest car insurance in Long Island City?

Travelers is the cheapest top car insurance provider on average in Long Island City, with rates starting at $205 per month. It’s still important to compare car insurance rates, as everyone’s insurance needs are unique.

It’s true that some companies cater to low-cost policies, but price doesn’t always indicate value. When evaluating car insurance quotes, always consider the full scope of a policy, including the deductibles, coverage limits, and policy perks such as roadside assistance. You may find a policy offering much better protection is just a few dollars more a month.

Insurance CompanyAverage Monthly Quote
Travelers$205
Progressive$343
Liberty Mutual$440
Nationwide$498
Bristol West$818
TSC Direct$94
Safeco$289
Midvale Home & Auto$301
Plymouth Rock$304
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Minimum Car Insurance Requirements in New York

All motor vehicles operated or parked on New York roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in New York[1] are:

  • $25,000 per person for bodily injury

  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. New York is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

  • $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $50,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

  • $25,000 per person for uninsured/underinsured motorist bodily injury

  • $50,000 per accident for uninsured/underinsured motorist bodily injury

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In New York, this coverage is for bodily injury resulting from accidents with either type of driver.

Long Island City Car Insurance Rates by Driving and Accident History

Your driving record is one of the main factors that car insurance companies use to determine your risk[2]. That’s why people with clean driving records pay less than those with one or two incidents on their record. Car insurance companies tend to charge people with a history of DUI or at-fault car accidents the most, even for minimum coverage.

Driver HistoryAverage Monthly Cost
Clean Record$389
Speeding Ticket$521
At-Fault Accident$568
DUI$774
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

See More:

High-Risk Car Insurance New York

DUI Car Insurance New York

Long Island City Car Insurance Rates by Credit Tier

Your credit score has a huge impact on your financial life, but did you know that it can also affect your car insurance rate[3]? Every year, drivers with scores over 720 (good to excellent credit) pay hundreds less than drivers with scores under 720 (average to poor credit). This is just one more reason to practice good financial habits every day.

Credit TierAverage Monthly Cost
Excellent$412
Good$467
Average$535
Poor$829
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How to Get the Cheapest Car Insurance in Long Island City

There are several strategies you can use to get cheap car insurance rates. First, always practice safe driving habits and obey traffic laws. This lowers the chance that you’ll get a ticket or make an at-fault insurance claim. Next, consider driving an older vehicle with good safety features. These generally cost less to insure than newer vehicles with car loans attached.

Beyond this, you should take advantage of all the car insurance discounts made available to you (don’t be afraid to review your policy with an insurance agent, either). Finally, make time to compare car insurance rates before you buy. You can get several free quotes with the tools at Insurify. Our quote comparison is easy and confidential and takes just a few minutes.

Frequently Asked Questions

  • There are two main strategies you can use to find your best car insurance rate. First, compare car insurance quotes from multiple companies every time you shop for car insurance. Second, always take advantage of discounts, especially bundling auto insurance coverage with home insurance, renters insurance, or other insurance needs.

  • The average car insurance premium costs $366 per month, or $4,392 a year, in Long Island City. That’s more than the average rate in the state. LIC drivers can lower their car insurance rates by raising insurance deductibles, taking advantage of car insurance discounts, switching to a liability-only policy on older cars, and comparing car insurance quotes before buying.

  • Your driving history has a significant impact on the price you pay for your car insurance premiums. People with clean records and no insurance claims get cheaper rates than people with traffic violations or claims in their recent past. Other factors, like the type of vehicle you drive and the number of miles you drive annually, can also influence your auto insurance rate.

Insurify Insights

How Long Island City Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Long Island City, New York below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Long Island City drivers measure up to their fellow motorists across New York in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Accord

Most Popular Car in Long Island City

#62

City with the Most Speeding Tickets Rank in New York

#111

City with the Most Moving Violations Rank in New York

#23

City with the Most DUIs Rank in New York

#24

City with the Most Suspended Licenses in New York

  • 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. Long Island City drivers rank 131 in the number of car accidents per driver across all cities in New York.

    • Rank within state: #131
    • Percent of drivers in Long Island City with an accident: 4.8%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Long Island City drivers rank 23 in the number of DUI’s per driver across all cities in New York.

    • Rank within state: #23
    • Percent of drivers in Long Island City with a DUI: 2.1%
  • 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, Long Island City drivers rank 4 in the number of reckless driving offenses per driver.

    • Rank within state: #4
    • Percent of drivers in Long Island City with a reckless driving offense: 3.2%
  • 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, Long Island City drivers rank 9 in rude driving infractions.

    • Rank within state: #9
    • Percent of drivers in Long Island City with a reckless driving violation: 3.2%
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New York, Long Island City drivers rank 62 in the number of speeding infractions per driver.

    • Rank within state: #62
    • Percent of drivers in Long Island City with a speeding ticket: 7.8%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Long Island City drivers rank 22 in clean driving records across all cities in New York.

    • Rank within state: #22
    • Percent of drivers in Long Island City with clean record: 82.6%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Long Island City drivers rank 4 in hybrid and electric vehicle ownership across all cities in New York.

    • Rank within state: #4
    • Percent of drivers in Long Island City with a hybrid/electric vehicle: 5.21%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. New York Department of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
  2. dmv.org. "Driving Records in New York." Accessed July 21, 2022
  3. New York State Department of Financial Services. "Applying for Auto Insurance Application." Accessed July 21, 2022
JJ Starr
Written by
JJ Starr
Linkedin

Insurance Writer

J.J. Starr is a health and finance writer with a background in banking, lending, and financial advising. She holds a Series 6, FINRA, and life insurance licensure and a master's degree from New York University. Through her writing, she strives to use her decade of experience to help consumers make sound financial choices. Connect with J.J. on LinkedIn.

Learn More
Danny Smith
Edited by
Danny Smith
Linkedin

Insurance Writer

Photo of an Insurify author
Edited by
Danny Smith
Insurance Writer
Danny is an insurance writer at Insurify. Specializing in auto insurance, he works to help drivers navigate the complicated world of insurance to find the best possible policy. He received a bachelor's degree from the University of Massachusetts Amherst. You can connect with Danny on LinkedIn.