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Get Cheap Car Insurance in Long Island City, Queens, NY
We monitor insurance prices, helping the average driver in Long Island City save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Long Island City
The chart below shows the cheapest car insurance company in Long Island City for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Kemper, followed by Plymouth Rock Assurance, Safeco Insurance, and Geico.
| Long Island City Insurer | Monthly Cost |
|---|---|
| Kemper | $118 |
| Plymouth Rock Assurance | $157 |
| Safeco Insurance | $169 |
| Geico | $176 |
Savings for Every Kind of Long Island City Driver
Based on our extensive insurance data, we know the average Long Island City driver will save about 30% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $954 per year by choosing the right vehicle insurance company. Some Long Island City residents are paying out over $3,201 extra every year for auto insurance in Long Island City. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Long Island City, Queens, NY Savings / Yr. |
|---|---|
$954 |
|
$608 |
|
$1,216 |
|
$1,230 |
|
$3,013 |
|
$1,008 |
|
$1,606 |
Long Island City Car Insurance vs. Queens
People living in Long Island City pay an average of 31.99% more than the typical driver in the state. The average driver in Long Island City can expect to pay about $2,322 per year, or $3,201 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Long Island City for most people.
Car Insurance Prices by Long Island City Neighborhood
Insurance Prices
Where is insurance cheapest within Long Island City?
The map shows insurance prices in and around Long Island City, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $656 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,531 to a low of $2,875. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Southwest parts of Long Island City.Pick the Best Car Insurance Company for You in Long Island City
The best car insurance provider for most drivers in Long Island City
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $954 over the average Long Island City car insurance company.
The best car insurance provider for Long Island City drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $608 over the competition.
The best car insurance company for Long Island City drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,216 better than other car insurance companies.
The best auto insurance for Long Island City drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,230 less each year.
The least expensive car insurance company for new and young drivers in Long Island City
In Long Island City, Progressive costs young drivers $3,013 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Long Island City
Progressive gave the largest car insurance discounts to married couples, averaging $1,008 saved each year compared to an average Long Island City couple's premiums.
The cheapest car insurance in Long Island City for drivers with bad credit
The best Long Island City car insurance company for customer service
Nationwide was the best company for customer service in Long Island City according to the NAIC.
Recent price drops
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The cheapest large national provider in Long Island City
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Long Island City driver can expect to pay about $183 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Long Island City, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, drivers with a DUI conviction, drivers with accidents, good drivers, married couples, and young drivers.Auto Insurance Prices in and Around Long Island City
What Influences the Cost of Car Insurance in Long Island City?
On average, car insurance in Long Island City is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- The average commute time in Long Island City is 44 minutes, which is about the national average for a driver in the city.
- New York state insurance regulations may require higher prices.
- An average of 8 to 9 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Long Island City are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
- Long Island City is one of the most densely populated areas in the state. The neighborhood’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Long Island City is $193 per month for minimum coverage and $267 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- Roosevelt Island: Insurance costs 4.53% more
- North Sutton Area: Insurance costs 9.72% less
- Sunnyside: Insurance costs 4.72% more
- Murray Hill: Insurance costs 7.00% less
- Upper East Side: Insurance costs 6.28% less
- Astoria: Insurance costs 4.19% more
- Greenpoint: Insurance costs 2.59% less
- Kips Bay: Insurance costs 6.28% less
- Midtown: Insurance costs 3.84% less
- Gramercy: Insurance costs 6.94% less
Neighborhoods with Similar Populations
- Valley Oak: Insurance costs 30.30% less
- Estrella: Insurance costs 37.30% less
- Far Northwest: Insurance costs 44.14% less
- Flagami: Insurance costs 10.34% more
- Fordham: Insurance costs 13.71% more
- Greenpoint: Insurance costs 2.59% less
- Humboldt Park: Insurance costs 36.27% less
- Lone Mountain: Insurance costs 24.24% less
- University City: Insurance costs 39.02% less
- University Heights: Insurance costs 12.18% more