Cheapest Auto Insurance in Long Island, New York (2023)

Drivers on Long Island pay an average of $164 for liability-only insurance.

Mark Steinbach
Written byMark Steinbach
Mark Steinbach
Mark SteinbachInsurance Writer
  • Full-time writer for 5+ years

  • Two-time Emmy Award nominee

A Harvard graduate, Mark has worked as a freelance personal finance and tech writer. He’s also written for Saturday Night Live.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Updated November 30, 2023 at 11:00 AM PST

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Home to trademark white-sand beaches and world-famous wineries, Long Island attracts plenty of tourists, along with its millions of full-time residents. The thriving tourist industry leads to busy roads and may contribute to the above-average rates. Drivers on Long Island pay an average of $195 per month for car insurance, which is on par with the New York state average of $180 per month.

Safeco, CSAA, and Midvale Home & Auto offer some of the lowest average rates on Long Island. Here’s how to find the best coverage for you.

Quick Facts
  • CSAA offers the cheapest liability-only insurance rates on average, at $136 per month, while Safeco offers the lowest full-coverage insurance rates, at $196 per month.

  • Car accidents have increased on Long Island over the years, from roughly 65,000 per year for 2015–2017 to 75,000 in 2022.[1]

  • The mean commute time on Long Island is 37.2 minutes.[2]

Cheapest car insurance companies in Long Island

The best car insurance company for you depends on your budget and specific needs. Several factors affect your rates, including your age, gender, marital status, vehicle choice, and driving record.

The table below highlights three of the best and most affordable car insurance companies on Long Island and which type of driver each insurer suits best. You can also see their average full coverage and liability quotes for all New Yorkers here.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
CSAA3.5$197$136Liability-only coverage
Safeco3.8$204$142Teen drivers
Liberty Mutual3.8$289$223Drivers with a DUI
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for liability-only coverage: CSAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$233/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$338/mo

Liability-only insurance is a good idea for drivers seeking to keep their premiums low and people who own older or used cars. Long Island is home to 143 used car dealerships, creating a viable liability-only coverage marketplace.

CSAA offers the lowest-cost liability-only insurance on Long Island, at $136 per month. You can save even more by taking advantage of CSAA’s many discounts, including multi-vehicle, driver training course, and good student discounts.

Pros
  • Cheapest liability-only insurance in the region

  • Offers plenty of popular discounts, including bundling

Cons
  • Above-average rate of customer complaints, according to the National Association of Insurance Commissioners (NAIC)

  • Must be a member of AAA

Been with them 18 years.

Abraham - September 7, 2023
Verified

They handle everything properly without giving you the runaround.

Tina - September 2, 2023
Verified

Great customer service. Digital access to the policy.

Rodolfo - August 25, 2023
Verified
Read our CSAA review

Best insurer for teen drivers: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$234/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$337/mo

Teen drivers pay higher car insurance rates on average due to their higher rate of serious accidents.[3] Teens can save with Safeco, which offers the second-lowest average liability-only insurance rate and the lowest average full-coverage insurance rate on Long Island. Safeco also offers discounts suited for Long Island teens trying to develop safe driving habits, including discounts for avoiding accidents and taking a driver safety course.

Pros
  • Offers lowest average full-coverage auto insurance price on Long Island 

  • Mobile app has high customer ratings

Cons
  • Fewer discounts available than through some insurers

  • Specific product offerings vary by state

They are really patient over the phone, and anytime I can change something on my policy online.

Mildred - August 30, 2023
Verified

Concern-free claims processing.

Billy - August 26, 2023
Verified

My rates have risen twice since being with them with no notice. They also screwed up my account by using the wrong Vin number.

Glenn - August 10, 2023
Verified
Read our Safeco review

Best insurer for drivers with a DUI: Liberty Mutual

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$368/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$477/mo

Tens of thousands of New Yorkers get arrested for impaired driving annually.[4] And, not surprisingly, New York drivers with a DUI on their record pay some of the highest car insurance rates in the country. Luckily, Liberty Mutual offers RightTrack, a highly rated telematics program that rewards drivers with up to 30% in discounts for safe driving. This program can help New Yorkers with a DUI on their record lower their rates.

Pros
  • Offers RightTrack, a popular telematics program

  • Earned an A financial strength rating from AM Best

Cons
  • Below-average J.D. Power customer satisfaction rating in New York

  • Rates on Long Island are slightly above the state average

I don’t like talking to a computer. I’m a one-on-one kind of person.

James - September 13, 2023
Verified

Good response time.

Chesarae - September 9, 2023
Verified

Very easy to deal with.

Renaldo - September 5, 2023
Verified
Read our Liberty Mutual review

How to get the cheapest car insurance in Long Island

You can use the following strategies to find cheap car insurance on Long Island:

  • Choose a safe vehicle. A car with a strong safety record and advanced safety features is often cheaper to insure.

  • Raise your deductible. A higher deductible comes with lower monthly premiums, though you’ll have more out-of-pocket expenses in the event of an accident.

  • Take advantage of discounts. Most car insurance companies offer discounts for insuring multiple vehicles or bundling car insurance with home or renters insurance from the same company. It’s a good idea to ask your agent about any discounts you may be eligible for.

  • Shop around and compare. The best way to find the cheapest rate on car insurance is to compare quotes from multiple companies to find the policy that best matches your needs.

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Cheapest liability-only car insurance in Long Island

Your liability insurance covers the other driver’s repairs and medical expenses in the event of an accident you cause. Liability-only insurance doesn’t cover your vehicle damage or medical expenses. This can make it an affordable option for people who drive used or lower-value vehicles.

The average rate for liability-only coverage in New York is $157, and the table below shows what you can expect to pay on Long Island.

Insurance CompanyAverage Monthly Quote
Travelers$272
Liberty Mutual$223
Safeco$138
USAA$345
Bristol West$394
Progressive$246
CSAA$136
Midvale Home & Auto$198
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Long Island

Full-coverage car insurance includes liability insurance, collision coverage, and comprehensive coverage. Collision coverage can pay for your own vehicle’s repairs in the event of a collision with another vehicle or object, like a guardrail. Comprehensive coverage can pay for repairs to your vehicle after a non-collision event, like a fire or severe weather.

The average monthly rate for full-coverage insurance in New York is $202, and you can see quotes offered by leading insurers on Long Island below.

Insurance CompanyAverage Monthly Quote
Travelers$354
Liberty Mutual$284
Safeco$196
USAA$471
Bristol West$453
Progressive$339
CSAA$197
Midvale Home & Auto$248
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in New York

New York drivers must carry a minimum amount of liability insurance to drive legally in the state. New York is also a no-fault state, which means both drivers must file claims for bodily injuries with their own insurance companies after an accident, regardless of who was at fault. Drivers must also carry personal injury protection (PIP), which covers medical expenses, lost wages, and more.

If you’re caught driving without the minimum coverage requirements, you could suffer the suspension of your license and registration.[5] The table below outlines the minimum insurance requirements necessary to drive legally in New York.

CoverageMinimum Requirements
Bodily injury liability$25,000 per person ($50,000 for a death) / $50,000 per accident ($100,000 for death of two or more people)
Property damage liability$10,000 per accident
Personal injury protection (PIP)$50,000 per accident

While the table above illustrates the necessary minimum coverage requirements, you can always expand beyond the minimum with additional coverages like the following:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance covers damage to your vehicle after a car accident or collision with an object, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers damage to your vehicle from a non-collision event, such as fire, severe weather, or vandalism.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage pays for your medical bills in the event of an accident with a driver who doesn’t have enough coverage or any insurance at all.

Cheapest car insurance for drivers with an incident

Speeding tickets, driving under the influence, and at-fault accidents will raise your car insurance costs. Auto insurers see drivers with such incidents on their records as being more likely to file future claims, and they charge higher monthly premiums to offset this risk.

Nearly 87% of New York drivers have a clean driving record, one of the highest rates in the country. But if you’re not among this group, the following sections will show you how different incident types can affect your insurance rates.

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Cheapest car insurance for drivers with a speeding ticket

About 30% of all fatal auto accidents in New York list speed as a contributing factor.[6] Auto insurers consider a driver with speeding tickets on their record as a higher risk for future claims. How much your rate increases after a speeding ticket will vary based on your insurer, the severity of the ticket, and the number of total tickets. Progressive, for example, says drivers see a 15% increase on average after speeding.

New Yorkers pay a monthly average of $228 for full-coverage insurance with a ticket on their record. Here, you can see how a ticket affects your quotes from Long Island insurers.

Insurance CompanyClean Driving RecordWith Speeding Ticket
Safeco$140$188
CSAA$140$188
Midvale Home & Auto$205$275
Liberty Mutual$230$308
Progressive$248$332
Bristol West$405$543
Erie$333$446
USAA$347$465
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

The Institute for Traffic Safety Management & Research tallied 78,047 crashes on Long Island in 2022. In New York, an at-fault accident will stay on your record until three years after the end of the year in which the crash occurred.[7] How much your rate increases depends on the company you work with.

Full-coverage monthly rates in New York average $230 for drivers with an accident on their record, and the table below shows how such an incident affects your quotes on Long Island.

Insurance CompanyClean Driving RecordWith Accident
Safeco$140$200
CSAA$140$200
Midvale Home & Auto$205$293
Liberty Mutual$230$329
Progressive$248$355
Bristol West$405$579
Erie$333$476
USAA$347$496
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

A DUI is the most severe traffic violation you can receive, and it will stay on your record for 15 years in New York.[7] Your insurer might not even renew your auto insurance policy after a DUI.

Not surprisingly, then, having a DUI on your record can cause a tremendous swing in your rates. The state monthly average is $270 for people with a DUI on their record.

Insurance CompanyClean Driving RecordWith DUI
Safeco$140$217
CSAA$140$217
Midvale Home & Auto$205$318
Liberty Mutual$230$357
Progressive$248$384
Bristol West$405$628
Erie$333$516
USAA$347$538
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

Roughly 18% of Long Island residents are older than 65, and while rates generally decrease for these drivers from age 35 and on, they could increase again around age 70. This is because reduced faculties make seniors more likely to be involved in an accident, and their advanced age increases the probability of medical costs if they’re in a crash.

The average monthly rate for New York seniors is $144, and this table shows how coverages break down on Long Island.

Insurance CompanyLiability OnlyFull Coverage
Safeco$98$141
CSAA$98$142
Midvale Home & Auto$144$181
Liberty Mutual$161$206
Progressive$174$244
TravelersN/A$257
Bristol West$284$328
Erie$233$330
USAA$243$343
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

Teen drivers pay the highest car insurance rates on average due to their higher rate of serious accidents and increased likelihood to engage in dangerous driving behaviors. Fortunately, young drivers can save on car insurance by staying on their parents’ insurance, purchasing a safe car, and qualifying for a good student discount.

The average monthly rate for New York teens is $230, and this table shows the liability-only and full-coverage quotes available on Long Island.

Insurance CompanyLiability OnlyFull Coverage
Safeco$259$374
CSAA$259$376
Midvale Home & Auto$379$477
Liberty Mutual$426$544
Progressive$459$646
TravelersN/A$679
Bristol West$749$866
Erie$616$871
USAA$642$907
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance for Teens on Long Island

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Long Island car insurance quotes by credit tier

Insurers in the Empire State are allowed to take your credit score into account when determining your car insurance rates. Drivers with excellent or good credit scores pay lower average rates than drivers with poor credit scores.

The following chart shows how average rates vary by credit history.

Rates by Credit Tier

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.

Is car insurance more expensive in Long Island?

The average car insurance rate on Long Island is more than the national average of $155 per month.

Car insurance rates in New York vary by ZIP code, however, and drivers in New York City deal with the most difficult commute in the country — so it’s no wonder New York City’s average rate of $354 is much higher than Long Island’s. Cities with higher property values also have higher rates, on average.

More cities in New York

The average car insurance rate on Long Island is slightly lower than the New York state average of $180 per month. Here’s how Long Island compares to other areas in New York.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Buffalo$138$213
New York$345$363
Rochester$94$145
Schenectady$122$129
Staten Island$392$543
Syracuse$108$164
Utica$143$185
Yonkers$270$288
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Long Island car insurance FAQs

Looking for more strategies to help you find the most affordable car insurance on Long Island? Check out the answers below.

  • How much is car insurance in Long Island?

    The average rate for car insurance on Long Island is $195 per month. Full coverage averages $226 per month, and liability coverage averages $164 per month.

  • Who has the cheapest car insurance in Long Island?

    The most affordable insurers on Long Island are generally Safeco, CSAA, and Midvale Home & Auto. However, the best way to find the most affordable rates for your needs is to compare quotes from several insurers.

  • What are the best car insurance companies in Long Island?

    Safeco, CSAA, and Liberty Mutual rank as three of the top insurers on Long Island. Safeco and CSAA are known for offering some of the best rates available on the island, while Liberty Mutual can be a viable option for drivers with a DUI on their record. Each of these insurers has also been recognized for its customer service, discounts offered, and financial stability.

  • What is the minimum car insurance required in New York?

    To drive legally in New York, you must have insurance coverage that meets or exceeds the state’s minimum requirements. This means you must carry bodily injury liability coverage of at least $25,000 per person ($50,000 for a death) and $50,000 per accident ($100,000 for the death of two or more people). You must also carry property damage liability of $10,000 per accident and personal injury protection of $50,000 per accident.

  • Is New York a no-fault state?

    Yes. New York is a no-fault state. This means both parties involved in an accident are responsible for filing claims through their own insurers for bodily injury coverage.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Institute for Traffic Safety. "Traffic Safety Statistical Respository." Accessed September 20, 2023
  2. United States Census Bureau. "Commuting Characteristics." Accessed September 20, 2023
  3. CDC. "Teen Drivers and Passengers: Get the Facts." Accessed September 20, 2023
  4. Stop DWI New York. "Stop DWI Information." Accessed September 20, 2023
  5. New York Department of Motor Vehicles. "New York State Insurance Requirements." Accessed September 20, 2023
  6. Trafficsafety.NY. "Speeding." Accessed September 20, 2023
  7. New York DMV. "Driving Records, Abstracts." Accessed September 20, 2023
Mark Steinbach
Mark SteinbachInsurance Writer

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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