fbpx
Phone: 1-(855) 233-7818

Are you currently insured? Yes         No

Start Quote

Cheap Car Insurance Quotes Long Island New York & a Comparison of Insurers for the Best Price

If you are looking for Long Island, New York car insurance quotes you have come to the right place.

The process of getting quotes from top insurers is simple.

Just enter your five digit zip code and let the advance comparison system deliver the results in minutes.

If you would like a detailed comparison of quotes by carrier use the table of contents down a little and to the right. 

Comparing Auto Insurance Quotes

You will get quotes from top companies to tailor fit your vehicular needs.

It is always best to compare Long Island, NY auto insurance rates because you will have the companies competing for your business.

Lowest price insurers by price for a 25 y/o driver.Note: As illustrated, the 5 lowest carriers cluster between $1,967 and $2,127 for a 25 y/o driver. Which is 33% to 39% lower than the average premium of $3,145.

And when they are competing for your business you can get more coverage for less.

In fact, the majority of drivers who do not compare quotes pay more for coverage on average.

Minimum Coverage for Residents

CoverageNew York Minimum Liability CoverageRecommended Coverage
Bodily Injury Protection$25,000 / $50,000$100,000 / $300,000
Property Damage$10,000$50,000
Personal Injury Protection$50,000$50,000
Uninsured / Underinsured Motorist BILN/A$50,000 / $100,000
Comprehensive CoverageN/A$500 deductible
Collision CoverageN/A$500 deductible

Who has the Cheapest Quotes?

Below are the best insurers by price from the least expensive to the most.

USAA is the lowest out of the insurers I queried. If you are able to get a policy with USAA, they are your best option.

If not, then Erie, Carmoon Group, Central Mutual, and Progressive are the cheapest.

On average they were able to provide a quote 23% to 31% lower than the average premium.

When I did my queries for quotes I used a driver with a good driving history.

If you have past driving violation you may or may not have a higher (or lower) quote which I was able to retrieve.

All of the quotes are based on price only for a full coverage policy.

Discounts or anything which may influence the price of the premium was not taken into consideration.

CompanyAnnual Premium 25 Y/O30 Y/O35 Y/O45 Y/O55 Y/O
USAA$1,967$1,600$1,298$980$712
Erie$1,989$1,623$1,311$1,003$721
Carmoon Group$2,023$1,676$1,322$1,012$725
Central Mutual$2,055$1,656$1,345$1,020$765
Progressive$2,127$1,687$1,368$1,035$744
Travelers$2,200$1,704$1,390$1,053$764
GEICO$2,341$1,727$1,420$1,076$780
West Bend$2,342$1,730$1,425$1,079$783
Utica National$2,376$1,755$1,432$1,080$793
Western National$2,380$1,778$1,433$1,086$796
AutoOne$2,487$1,780$1,465$1,112$799
Allstate$2,499$1,800$1,489$1,143$806
Esurance$2,527$1,823$1,512$1,155$807
Hartford$2,585$1,843$1,535$1,187$812
Nationwide $2,638$1,894$1,571$1,199$823
Liberty Mutual$2,698$1,902$1,580$1,198$830
Ameriprise$3,008$2,143$1,680$1,314$879
Farmers$3,043$2,263$1,728$1,354$898
Utica National$2,700$1,926$1,602$1,165$835
MetLife$3,176$2,387$1,749$1,432$916
Safeco$2,721$1,943$1,611$1,231$848
Adirondack$2,765$1,955$1,613$1,254$855

*USAA covers only families and their children affiliated with the Military and Armed Forces. A spouse or person previously in the Armed Services may be able to get insurance through USAA.

Why Is Long Island Cool?

One the most famous sayings on T-shirts, buttons, stickers, or what people say is “I love New York”.

Long Island is the reason why since it has over 100 miles of amazing beach on both north and south shores.

Least expensive insurers by quote for a 30 y/o driver.Note: A 30 y/o driver can find the cheapest insurers clustering between $1,600 and $1,687 for a full coverage policy. The insurers illustrated are approximately 35% lower than the average premium of $2,594.

The Island boasts more than 7.6 million people. Not only is Long Island, NY highly populated it is the most populated island in the United States and the 17th most populated island in the world.

For drivers, it is always good to be sure you have adequate coverage for your vehicle.

With the immense population there is a higher number of accidents.

Affordable carriers by price for 35 year old driver.Note: The least expensive carriers for a 35 year old are USAA, Erie, and Carmoon Group. All three are 25% lower than the “mean” quote of $2,048 in Long Island. Central Mutual and Progressive are 23% cheaper than the “mean” rate. All carriers illustrated are worth getting quotes from for savings.

Even Long Island residents may have higher policy prices than normal.

However, that does mean you aren’t able to find the lowest priced policy to fit your budget while providing equal cover.

Today Long Island, NY is known for is strong hard working middle class which invests more in education that other parts of the country.

Low-cost premium prices for 45 y/o driver illustrated.Note: As illustrated, the quotes clustered between $980 and $1,035 for a 45 year old driver with full coverage. All carriers illustrated are 24% lower than the average policy of $1,385.

Community events and issues are typical for the residents of Long Island which are used to voice their opinion through the venues.

Long Island is one of the most affluent areas of the United States due to it proximity to New York City.

The Island has some of the states (and country’s) luxurious mansions showing off wealth such as the popular Hamptons.

Thus making the Island a costly place to live and raise your children. The residents paying some of the highest real estate and property taxes in the country.

The ethnic diversity of Long Island is something the residents of the Island are proud of.

least expensive premiums by price for 55 y/o Note: A 55 year old will find quotes between $712 and $744. USAA is the cheapest at $712 or 25% lower than the “mean” rate of $958. All of the other carriers illustrated are 23% lower than the average premium.

There is a large Italian-American and Jewish-American population and with the mixture of origins the Island is known to have some of the best food in the world.

Some of the finest wine comes from Long Island since there are many wineries on the East End and is one of the fastest growing wine regions in the country.

Average Premium in Cities within Long Island

In the table below I provide quotes from cities within the Island area of NY.

Depending on the zip code or city you reside in your quotes can vary drastically.

The quotes compared between Hempstead and Bethpage vary by over $1,000.

If you would like a more detailed review of the least expensive carriers then read further below.

CityPremiumPopulationCityPremiumPopulation
Babylon$2,47812,079Irvington$1,9976,587
East Hampton$2,76221,457Whitestown$1,85618,667
Greenwich$2,2871,732 Chatham$2,1274,128
Hempstead$2,643759,757Southampton$1,57356,790
Huntington$2,129203,264Middleburgh$2,3113,746

Babylon

Babylon, NY lowest price by insurer for 30 to 55 y/o drivers.To get the lowest premium in Babylon then get quotes from Erie, State Farm, and Progressive.

I queried each at $1,455, $1,563, and $1,590 respectfully for a 30 year old driver. Which is 39% lower than the average premium of $2,478.

A 45 year old can find low quotes with Erie and State Farm. Each queried at $1,112 and $1,156 for full coverage. Which is 35% lower than the “mean” rate in Babylon.

A 55 year old can get the best rates with Erie, State Farm, and Progressive. Each queried at $795, $812, ad $855 for a full coverage policy.

Or 36% lower than the average policyholder within the city.

Babylon Company30 Y/O45 Y/O55 Y/O
Erie$1,455$1,112$795
State Farm$1,563$1,156$812
Progressive$1,590$1,231$855
Nationwide$1,721$1,276$932
Carmoon Group$1,897$1,376$965
West Bend$2,008$1,428$1,005

Babylon is a town located on Long Island within Suffolk County with 215,000 residents.

It was named after the ancient town of Babylon in 1803. Before that it was called South Huntington.

Today it is the most densely populated area on Long Island. The area has several beaches nearby which are popular tourist spots. Beach sports are quite popular.

There are many islands in the vicinity where people can experience the exquisite beauty of nature. The local parks, golf clubs and museums provide standard facilities for recreation.

Southampton

Southampton cheapest policy prices for 30 to 55 y/o drivers.To get the cheapest quotes in Southampton then start with Erie, Central Mutual, and Allstate.

Each queried at $1,321, $1,387, and $1,455 for a 30 year old driver. Which is 14% lower than the average premium rate of $1,573.

A 45 year old can find the best prices with Erie and Central Mutual. Each queried at $1,009 and $1,032 for full coverage. Which is approximately 12% lower than the average premium in Southampton.

A 55 year old can get the best prices with Erie, Central Mutual, and Allstate. Each queried at $769, $790, and $825 for full coverage.

Which is 10% lower than the “mean” quote within the town.

Southampton Company30 Y/O45 Y/O55 Y/O
Erie$1,321$1,009$769
Central Mutual$1,387$1,032$790
Allstate$1,445$1,087$825
Carmoon Group$1,500$1,125$865
Progressive$1,562$1,165$899
West Bend$1,512$1,200$926

Southampton is a town located on the south portion of Long Island and known as the “Hamptons”. Today there are nearly 60,000 residents.

The town has records back to 1640 registered as NY’s first English Colony when it was purchase from the Shinnecock Indian Nation. The Indian Nation filed a lawsuit asking for 3,500 acres back in 2005.

One of the premier summer resorts in the U.S. is Southampton Village. Many of the top social and financial circles spend summers in Southampton Village.

Bethpage

Least expensive premium prices by carrier for 30 to 55 y/o in Bethpage, NY.To get the best prices on your auto policy in Bethpage then get quotes from Erie, State Farm, and Nationwide.

Each queried at $1,522, $1,587, and $1,643 for a 30 year old driver. Which is 22% lower that the “mean” rate.

A 45 year old can get cheap quotes from Erie and State Farm. Each queried at $1,115 and $1,176 for full coverage. And approximately 21% lower than the average premium in the hamlet of Bethpage.

A 55 year old should compare quotes with Erie, State Farm, and Nationwide. Each were queried at $803, $815, and $851.

Or nearly 18% lower than the average policyholder within the city.

Bethpage Company30 Y/O45 Y/O55 Y/O
Erie$1,522$1,115$803
State Farm$1,587$1,176$815
Nationwide$1,643$1,231$851
Progressive$1,700$1,255$888
West Bend$1,755$1,337$921
Mercury$1,823$1,400$943

Bethpage is a hamlet on Long Island with 16,400 residents. The northern part of this town was once known as Bedeltown.

The name Bethpage comes from a land transaction dating back to 1687, in which Thomas Powell purchased over 15 square miles of central Long Island from local Native Americans. This transaction is known as the Bethpage Purchase.

Bethpage was once known as Jerusalem Station and Central Park, but adopted its present name in 1932 after the Bethpage State Park opened.

Huntington

Huntington, NY low-cost premium quotes for 30 to 55 year old drivers.The average premium in Huntington is over $2,100 per year.

To find the least expensive premium then get quotes from USAA, Erie, and Carmoon Group. Each were queried at $1,542, $1,611, $1,721 for a 30 year old. Which is 23% to 28% lower than the average rate.

A 45 year old can get low quotes with USAA and Erie. Each were queried at $1,216 and $1,398 for full coverage. Or approximately 23% lower than the “mean” quote in Huntington.

A 55 year old can get the best price from USAA, Erie, and Carmoon Group. Each queried at $965, $980, and $1,031.

Which is 19% lower than the average policyholder of the same age.

Company30 Y/O45 Y/O55 Y/O
USAA$1,542$1,216$965
Erie$1,611$1,398$980
Carmoon Group$1,721$1,476$1,031
Central Mutual$1,768$1,490$1,058
Progressive$1,800$1,512$1,112

Huntington is a town located on the North Shore of Long Island.

Richard Holbrook, Daniel Whitehead and Robert Williams purchased the land that now covers the town of Huntington from the Matinecock Indians in 1653. It was called the “First Purchase”.

During that time there were approximately 2,000 residents. Today, there are over 200,000.

Two popular places for visitors are the Conklin Farmhouse Museum and the Heckscher Museum of Art. Both present the colorful history of Huntington.

Conclusion

At Autoinsuresavings we want the residents of Long Island to enjoy the beauty, landscape, and broad ethic culture while enjoying the savings on your premium.

Even if the cost is higher than average to live in Long Island, NY residents can find lower rates simply by comparing.

You don’t want to cut on your policy unless you have coverage you don’t need such as road side assistance.

Many credit card companies (such as Chase Sapphire) already have roadside assistance available. You may want to look into to it.

Long Island residents can find low quotes by taking about three minutes of their time to compare.

Enter you zip code at the top of the page and see how much you can save.

All quotes are to help you find savings. There is a hassle free – no obligation quote form to find out if you could save a few hundred dollars on your yearly auto premium.

Sources

https://dmv.ny.gov/insurance/insurance-requirements

http://www.naic.org/documents/

http://www.dfs.ny.gov/consumer/auto/

https://www.longisland.com/long-island.html

Shaun Fyffe

Shaun Fyffe

Hi, I am Shaun Fyffe and writing is my passion. In my spare time I enjoy the outdoors, spending time with my family, sometimes I might go hiking or riding a bike, plus doing the regular hanging out - New York Style!
3 Comments
  1. The cheapest rates I found for insurance on Long Island were always from New York Motor Insurance. Might want to check them out!

    • Hi Arkane,

      It is always good to compare as many quotes as possible. And the site does a good job of providing valuable information to uses for maximum savings. Thx!