Best Auto Insurance Rates in Hempstead, New York

On average your neighbors pay $103 a month.

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Hempstead, New York, is one of the oldest towns in the US—it was first settled in 1644—so its old-world comes naturally.

Don’t let the fact that Hempstead is a town fool you, though; it’s actually larger than some major cities, thanks to its nearly 700,000 residents.

Its impressive population make sense when you consider it’s home to some amazing tourist attractions like the Hofstra University Arboretum, the Garden City Bird Sanctuary and Jones Beach. Locals also are just a hop, skip, and jump away from Belmont Park and its horse races.

Average Hempstead Car Insurance Rates

How much is car insurance in Hempstead, NY? Residents shouldn't be surprised to hear car insurance costs more in Hempstead than it does in many other parts of the US. Average insurance rates in New York are a bit higher than the national average. The average cost of auto insurance in New York is $1,234.84 per year. The national average price is $889.01.

Prices vary depending on your driving record, age, gender, and the number of claims filed in your zip code.

New York Average Annual Car Insurance Rates
Coverage Rates
Liability $804.51
Collision $385.02
Comprehensive $171.12
Total Cost Per Year $1,234.84
Price Per Month $102.90
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average New York insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, New York car insurance rates increased from $1,111 in 2011 to $1,234 in 2015, a jump of $123, or 11.12 percent.

New York average car insurance rates

Do you live in Hempstead, or are you planning to move there? Leave the betting to the professionals at QuoteWizard when it comes to buying or updating your auto insurance policy.

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Hempstead, New York and save up to 40% on your car insurance.

Last year, 974 people used QuoteWizard to compare auto insurance quotes in Hempstead, NY from multiple companies to get the cheapest rates.

Best Car Insurance Companies in Hempstead, NY

This is our list of the 10 most common car insurance companies reported by QuoteWizard users living in Hempstead, New York last year. Of the 974 users who used QuoteWizard, only 53 were uninsured.

Other popular Hempstead, New York car insurance companies: AIG, American Family, Century National, Commerce West, Country Financial, Hartford, Mercury, and MetLife.

Top 10 Vehicles

These are the most common car makes and models owned by Hempstead,  NY drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord EX/LX/DX/Sport
  2. Jeep Grand Cherokee Laredo
  3. Toyota Camry LE
  4. Nissan Altima 2.5 S
  5. Nissan Maxima S/SV
  6. Chevrolet Blazer
  7. Honda Civic LX/EX
  8. Nissan Murano S/SL/LE
  9. Honda Odyssey EX
  10. Toyota Corolla CE/LE
  11. Acura MDX

Minimum Car Insurance Requirements in Hempstead, NY

Hempstead, New York has a minimum coverage requirement known as the 25/50/10 rule, which means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The maximum amount insurance companies will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total your provider will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The most your insurer will pay for property damage caused by a car accident.

The policy must be in the name of the vehicle's registered owner and the coverage must remain in effect as long as the registration is valid even if you don't use the vehicle.

Driving Conditions

Driving conditions like weather and traffic congestion can influence Hempstead insurance rates.


The climate in Hempstead is surprisingly warm and humid. It has long, hot, and bright summers. In fact, the area sees as many as 172 days with at least partial sunshine annually. Rainfall is distributed throughout the year, and around 124 days offer up some amount of precipitation. Snow is common. Hempstead receives about 31 inches during an average year.

Road Conditions

A recent study by TRIP found that 82% of the major roads in and around New York City are in poor or mediocre condition. These pothole-filled streets cost drivers $791 a year in extra vehicle operating costs.

Potholes are a major problem in Hempstead too. So far, in 2016, the town has received 288 pothole reports. A plan was recently implemented to fix potholes. Hempstead’s highway crew, as well as its parks and sanitation departments, now respond to these reports.

Traffic Congestion

According to TomTom's annual Traffic Index report, New York City has the third-worst traffic congestion in the US. The average commuter spends an additional 33 minutes per hour and 128 hours a year stuck in traffic during peak commute times (for commutes of 30 minutes). Hempstead is close to New York City and shares some of its major highways, so residents have to deal with a lot of the same congestion.

Moving Violations

Speeding tickets, running red lights, accidents and drunk driving are some of the moving violations that will give you a bad driving record and lead to higher rates.

Traffic Tickets

The State of New York DMV website lets you pay non-criminal traffic citations, tells drivers how to request a hearing to contest a ticket, and provides helpful traffic court information.

During 2013, Nassau County Sheriff's Department issued 4,788 traffic citations and 11,920 warnings.

Drunk Driving Accidents and Fatalities

Hempstead reported 563 car crashes involving alcohol in 2014. These accidents caused 291 injuries and 17 fatalities.

SR-22 DWI Insurance

A DWI conviction will require you to obtain an SR-22 form. To get the lowest rate for the most expensive type of coverage, get a quote and compare rates from top companies that specialize in Hempstead DWI insurance.

Car Accident Statistics

Nassau County, including Hempstead, recorded 1,664 car crashes in 2016 resulting in 1,335 injuries.

Traffic Fatalities

Hempstead officials reported six fatal collisions resulting in six deaths in motor vehicle crashes in 2016.

This works out to a fatality rate of 10.8 per 100,000 residents. All traffic deaths are a tragic loss, and considering the estimated population of 55,555 Hempstead is a safe city in terms of traffic fatalities per capita.

Vehicle Theft

Hempstead reported 97 motor vehicle thefts in 2016. That’s a theft rate of 1.75 per 1,000 residents. This was slightly better than the national average of 2.20 per 1,000 people.

Car Insurance Discounts

Discounts are one of the best ways to lower your rates. These are some of the many auto insurance discounts available to drivers in Hempstead, NY depending on your carrier.

  1. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  2. Enroll in a defensive driving course at an accredited driving school
  3. Keep your driving record clean with no tickets or accidents and you might qualify for the accident free or safe driver discount
  4. Drive less (by living close to work, for example) and you could qualify for the low mileage discount
  5. Students that maintain at least a B grade point average can qualify for the good student discount
  6. Are you married or getting married soon? Make sure you ask about the married discount

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