Best Auto Insurance Rates in Queens, New York

Compare Auto Insurance in Queens

Wednesday, January 9 2019 By Shantae Young

Home to Citi Field Stadium and the USTA Billie Jean King National Tennis Center, Queens, New York, is a central hub for great sporting events.

Many Queens residents may be hoping for high-scoring Mets games or thrilling US Open tennis matches as a result, but even then, most would rather hit a "home run" on affordable insurance prices.

With QuoteWizard, that's made simple. We’ll help you find car insurance coverage that fits your needs as well as your budget.

Average Queens Car Insurance Rates

How much is car insurance in Queens, NY? Residents shouldn't be surprised to hear car insurance costs more in Queens 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 and the number of claims in your zip code, so your premium may be lower.

New York (NY) 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.

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

Last year, 6,657 people used QuoteWizard to compare car insurance quotes in Queens, NY from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Queens, NY

Here is our list of the 10 most common car insurance companies reported by QuoteWizard users living in Queens, New York last year. Of those 6,657 residents, 371 were uninsured.

Other popular Queens, NY car insurance companies: USAA, AIG, MetLife, Travelers, American Family, Hartford, Amica, and Safeco.

Top 10 Vehicles

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

Minimum Car Insurance Requirements in Queens, NY

Queens, like the rest of New York, has a minimum coverage requirement known as the 25/50/10 rule. That 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.

Queens Drivers

Allstate Insurance recently published a report ranking cities by the safety of their drivers. New York City drivers ranked 116th out of 200 cities.

While most US drivers go ten years between accidents, drivers here are involved in car accidents every 8.3 years.

Driving Conditions

Factors that can affect insurance rates are the weather and road conditions.

Weather

Queens residents enjoy around 234 days a year with either sunny or partly sunny skies. Rainfall is distributed throughout the year, with an average of 122 days seeing measurable precipitation. Snow also is very common in this area.

Road Conditions

According to a recent study by TRIP, 82 percent of the major roads in and around New York City are in poor or mediocre condition. These pothole-filled streets cost drivers close to $800 a year in extra vehicle operating costs.

During the winter of 2015, the Department of Transportation reported repairing a total number of 50,882 potholes in Queens.

Traffic Congestion

According to TomTom's annual traffic index report, New York City ranks 49th for worst traffic congestion in the world. The average commuter spends an additional 34 minutes per day stuck in traffic during peak commute times and 129 hours a year for commutes of 30 minutes.

Moving Violations

Some of the moving violations that will give you a bad driving record and raise your insurance rates:

• speeding tickets
• running red lights
• accidents
• drunk driving

Traffic Tickets

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

New York City police have issued 86,090 moving violations so far in 2016.

Drunk Driving Accidents and Fatalities

The City of New York reported 1,168 car crashes in which alcohol was a factor in 2014. Those accidents resulted in 904 injuries and 54 fatalities.

SR-22 DWI Insurance

A DWI conviction may require you to obtain an SR-22 form. Get a quote and compare rates from local agents and top companies that specialize in Queens DWI insurance.

Car Accident Statistics

Queens officials reported 25,660 car accidents in 2017 resulting in 15,287 injuries and 55 fatalities.

All traffic deaths are a tragic loss, and considering the estimated population of 2,358,582, Queens is a safe place in terms of traffic fatalities per capita.

Vehicle Theft

Queens reported 946 motor vehicle thefts in 2017. That’s a rate of .40 per 1,000 residents. This is well below the national average of 2.37 per 1,000 people.

No-Fault Insurance

New York is one of the 12 US states that have a no-fault insurance system. In no-fault states, accident victims can collect benefits from their own insurance companies, regardless of whether the other party is insured. Liability coverage helps pay for other peoples’ medical and repair bills if you cause a car accident. Personal Injury Protection coverage pays for your medical expenses after an accident, regardless of who was at fault.

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.

Car Insurance Discounts

Do you want more affordable car insurance? Discounts are one of the best ways to lower your rates. These are some of the many car insurance discounts available to drivers in Queens, NY.

1. Auto theft is a problem in Queens. Reduce the risk on your car with an anti-theft device and you may earn a discount.
2. If you already have a life or home policy, consider buying both from one insurer to get a bundling It’s an easy way to save up to 20 percent on your policy.
3. Judging by the amount of charging stations, electric cars are popular in Queens. If you drive an EV or similar vehicle, you could get an alternative fuel discount.
4. Do you own a car but commute with the MTA? You may qualify for a low mileage discount.
5. Distracted driving leads to many collisions in Queens. Keeping an eye on the road (and avoiding accidents) can earn you an accident free discount.

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