Best Auto Insurance Rates in Queens, New York

On average your neighbors pay $103 a month.

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Friday, May 18 2018 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 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

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.

  1. State Farm
  2. GEICO
  3. Allstate
  4. Progressive
  5. Liberty Mutual
  6. Nationwide
  7. 21st Century
  8. Farmers
  9. AAA
  10. Esurance
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

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

Top 10 Vehicles in Queens

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

  1. Honda Accord EX/LX
  2. Honda Civic LX/EX
  3. Nissan Maxima GLE/GXE/SE
  4. Toyota Camry LE
  5. Honda CR-V EX
  6. Acura MDX
  7. Nissan Altima 2.5 S
  8. Jeep Grand Cherokee Laredo
  9. Honda Odyssey EX
  10. Nissan Altima 2.5/S/SV/SL
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

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 NYC 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.

Queens drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
Ready to see if you're eligible?
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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 has the third-worst traffic congestion in the United States. The average commuter spends an additional 33 minutes per hour stuck in traffic during peak commute times and 128 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

According to the County Crash Summary database, Queens saw 21,673 car accidents in 2016 resulting in 20,656 injuries.

Traffic Fatalities

Queens recorded 59 fatal auto accidents resulting in 62 fatalities in 2016.

This works out to a fatality rate of 2.65 per 100,000 residents. All traffic deaths are a tragic loss, and considering the estimated population of 2,333,054 Queens is safe in terms of traffic fatalities per capita.

Vehicle Theft

Queens reported 1,609 motor vehicle thefts in 2016. That’s a rate of .69 per 1,000 residents. This is well below the national average of 2.20 per 1,000 people.

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 in Queens

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 depending on your carrier.

  1. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  2. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  3. Remove full comprehensive coverage from your policy
  4. Drive less. Live close to work and get the low mileage discount
  5. Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies with a single insurer can save you as much as 15%
  6. Keep your driving history clean. Drivers without tickets or accidents on their record pay lower rates
  7. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  8. Maintain at least a B grade point average in school to qualify for the good student discount
  9. Take a defensive driving course from an accredited driving safety school
  10. Shop around and compare affordable Queens, NY auto insurance quotes

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