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Get Cheap Car Insurance in Queens, NY
We monitor insurance prices, helping the average driver in Queens save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Queens
The chart below shows the cheapest car insurance company in Queens 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.
| Queens Insurer | Monthly Cost |
|---|---|
| Kemper | $125 |
| Plymouth Rock Assurance | $166 |
| Safeco Insurance | $178 |
| Geico | $186 |
Savings for Every Kind of Queens Driver
Based on our extensive insurance data, we know the average Queens 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 $1,009 per year by choosing the right vehicle insurance company. Some Queens residents are paying out over $3,385 extra every year for auto insurance in Queens. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Queens, NY Savings / Yr. |
|---|---|
$1,009 |
|
$644 |
|
$1,286 |
|
$1,301 |
|
$3,187 |
|
$1,067 |
|
$1,699 |
Queens Car Insurance vs. New York
People living in Queens pay an average of 39.61% more than the typical driver in the state. The average driver in Queens can expect to pay about $2,456 per year, or $3,385 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Queens for most people.
Car Insurance Prices by Queens Neighborhood
Insurance Prices
Where is insurance cheapest within Queens?
The map shows insurance prices in and around Queens, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $1,205 per year within the city boundaries, with insurance premiums ranging from a high of $3,793 to a low of $2,588. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Northeast parts of Queens.Pick the Best Car Insurance Company for You in Queens
The best car insurance provider for most drivers in Queens
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $1,009 over the average Queens car insurance company.
The best car insurance provider for Queens 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 $644 over the competition.
The best car insurance company for Queens drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,286 better than other car insurance companies.
The best auto insurance for Queens drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,301 less each year.
The least expensive car insurance company for new and young drivers in Queens
In Queens, Progressive costs young drivers $3,187 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Queens
Progressive gave the largest car insurance discounts to married couples, averaging $1,067 saved each year compared to an average Queens couple's premiums.
The cheapest car insurance in Queens for drivers with bad credit
The best Queens car insurance company for customer service
Recent price drops
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The cheapest large national provider in Queens
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Queens 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 Queens, 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 Queens
What Influences the Cost of Car Insurance in Queens?
On average, car insurance in Queens 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 city are influenced by the following factors:
- The average commute time in Queens is 56 minutes, which is far more than average for a driver in the state.
- New York state insurance regulations may require higher prices.
- An average of 15 to 16 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Queens are among the lowest 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 A- according to CrimeGrade.org.
- Queens is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Queens is $205 per month for minimum coverage and $282 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 Cities
- Bellerose Terrace: Insurance costs 10.69% less
- Queens Village: Insurance costs 0.74% less
- Bellerose: Insurance costs 15.54% less
- Saddle Rock: Insurance costs 16.60% less
- Floral Park: Insurance costs 14.92% less
- Great Neck Estates: Insurance costs 18.35% less
- Elmont: Insurance costs 2.39% less
- South Floral Park: Insurance costs 4.05% less
- Russell Gardens: Insurance costs 15.98% less
- Lake Success: Insurance costs 14.77% less
Cities with Similar Populations
- Schaumburg: Insurance costs 51.29% less
- Savannah: Insurance costs 44.64% less
- Schenectady: Insurance costs 28.77% less
- Sandy Springs: Insurance costs 41.48% less
- Santa Rosa: Insurance costs 41.65% less
- Santa Fe: Insurance costs 54.09% less
- Scranton: Insurance costs 57.55% less
- Santa Cruz: Insurance costs 42.42% less
- Scottsdale: Insurance costs 44.58% less
- San Antonio: Insurance costs 46.03% less