Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: May 31, 2021

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AutoInsureSavings.org team of licensed insurance agents found Utica National ($678 per year) offers the cheapest auto insurance in Long Island for minimum coverage.

Progressive ($1,489 per year) is the most affordable insurance company for Long Island drivers’ full coverage policy

Affordable Long Island, New York Car Insurance Rates

Finding the right car insurance policy in Long Island, New York, can help you save more money each month and make sure you enjoy the benefits of excellent coverage.

Cheapest Car Insurance in Long Island - Quick Hits
AutoInsureSavings.orgThe cheapest Long Island car insurance options are:

For minimum coverage: Utica National at $678 per year.
For full coverage: Progressive at $1,489 per year.
After an at-fault accident: State Farm at $2,765 per year.
After a speeding ticket: Progressive at $2,214 per year.
After a DUI: Progressive at $2,412 per year.
For poor credit history: GEICO at $2,319 per year.
For young drivers: New York Central Mutual (NYCM) at $6,745 per year for full coverage.
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But comparing quotes from multiple providers is time-consuming, and many drivers looking for car insurance do not know where to start.

That is why the AutoInsureSavings.org team of agents put together this essential guide to help you through the process of finding the best car insurance and protection options in Long Island.

Comparing the cheapest insurance quotes with Utica National, State Farm, New York Central Mutual compared to the average rate.

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Cheapest Car Insurance in Long Island for Minimum Coverage

Utica National offers the lowest rates at $678 annually or $56 per month for drivers who want a minimum coverage auto insurance policy in Long Island.

Utica National price is 50% lower than the $114 monthly Long Island rate.

Active military members or veterans can get the cheapest insurance rates, with USAA offering coverage at $57 per month. 

InsurerAnnual costMonthly cost
Utica National$678$56
USAA$684$57
State Farm$696$58
New York Central Mutual$723$61
GEICO$763$63
Preferred Mutual$780$65
Travelers$834$70
Allstate$862$72
Long Island average$1,373$114
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*USAA is for qualified military members, their spouses, and direct family members. Rates may vary depending on driver profiles.

According to the New York State Department of Motor Vehicles, Long Island drivers must have insurance at or above the state minimum coverage. That includes coverage for bodily injury and property damage liability, uninsured motorist coverage, and personal injury protection.

Many drivers choose to carry higher liability limits than the required amount and additional PIP coverage beyond state requirements.

Cheapest Full Coverage Insurance in Long Island, New York

For cheap full coverage insurance in Long Island, Progressive is the cheapest option, which provided our agents a $1,489 quote or 35% lower than the average $190 monthly rate. 

InsurerAnnual costMonthly cost
Progressive$1,489$124
USAA$1,511$125
State Farm$1,580$131
Utica National$1,644$137
GEICO$1,750$145
New York Central Mutual$1,843$153
Allstate$1,965$163
Long Island average$2,274$190
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The next best option is State Farm, with a $131 monthly rate for full coverage, 32% lower than the Long Island average.

Most full coverage car insurance policies include liability insurance as well as collision and comprehensive coverage. Drivers with a clean driving history who choose to go with Progressive for their full coverage auto policy will save 20% or more on their premium.  

To guarantee that you find the best rates that fulfill all your auto insurance needs, you should compare the rates from at least three insurance providers. That will help you narrow down your coverage choices and find the company that works best for you to save money. 

Cheapest Car Insurance in Long Island With a Car Accident

According to our licensed agent’s research, Long Island residents who have a recent at-fault accident on their driving record should go with State Farm, which provided a quote at $2,765 annually or $230 per month.  

InsurerAnnual costMonthly cost
State Farm$2,765$230
New York Central Mutual$3,043$253
GEICO$3,254$271
Long Island average$3,627$302
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The average cost of full coverage insurance from State Farm for drivers who have one accident on their record is 24% less than the average price of Long Island coverage.

They are the only insurance company that we found that offers policies over 20% cheaper than average for drivers in the car accident category.

It is possible to find another reasonably priced auto insurance policy from other Long Island providers such as GEICO and New York Central Mutual (NYCM).

These auto insurance companies may be higher than State Farm, but their rates are typical $200 less than the state’s average of $3,627 per year.

Cheapest Car Insurance with a Speeding Ticket in Long Island

Drivers in Long Island who have been caught speeding can get the cheapest full coverage rates with Progressive, who provided our agents a $2,214 annual or $184 monthly rate.

Compared to the average speeding ticket rate at $2,876, Progressive is $662 cheaper per year

InsurerAnnual costMonthly cost
Progressive$2,214$184
Erie$2,437$203
State Farm$2,477$206
GEICO $2,583$215
Long Island average$2,876$221
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After receiving a speeding ticket, drivers in Long Island could save as much as $621 compared to the average annual cost drivers pay throughout the city.

A speeding ticket will usually stay on your record for at least three years.

After that time has passed, you should be able to enjoy lower auto insurance premiums if your driving history remains clean, according to Insurance Information Institute (III.org). 

Adding on more speeding tickets and other violations can cause your rates to go even higher.

Cheapest DUI Car Insurance Rates in Long Island, New York

During our comparison shopping study, Long Island drivers with a DUI on their driving record can get the cheapest coverage with Progressive or State Farm.

With a recent DUI, Progressive provided a $2,412 rate, and State Farm offered a quote at $2,670 per year for our sample 30-year-old driver.

Both auto insurers are at least $1,200 less expensive than the average $3,893 DUI rate.

InsurerAnnual costMonthly cost
Progressive$2,412$201
State Farm$2,670$222
GEICO $2,932$244
Liberty Mutual$3,237$270
Long Island average$3,893$324
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Drivers who have a DUI can expect to see their premiums go up by as much as 47% of what they would typically pay.

For Long Island drivers trying to lower insurance rates with a DUI, taking a defensive driver course and maintaining a clean driving record is the best way to keep future rates low. 

Cheapest Car Insurance for Drivers with Poor Credit

GEICO offers the best rates for drivers with poor credit in Long Island. During our study, GEICO provided our licensed agents a $193 monthly rate for full coverage, which is 35% cheaper than the average rate.

Other auto insurers with cheaper than average rates are State Farm ($2,477 per year) and Progressive ($2,843 per year). 

InsurerAnnual costMonthly cost
GEICO $2,319$193
State Farm$2,477$206
Progressive$2,843$236
Allstate$3,361$280
Long Island average$3,539$294
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Drivers who have poor credit may notice their insurance rates are more expensive than average in Long Island. For most drivers, the rates for those with bad credit are 60% more.

Who Has the Cheapest Car Insurance for Young Drivers in Long Island?

Young drivers shopping for coverage in Long Island can find the cheapest auto insurance with New York Central Mutual (NYCM), who provided us a $6,475 annual rate for full coverage and $2,788 per year for minimum coverage.

Other insurance carriers to comparison shop for are State Farm and Progressive. State Farm offers minimum coverage at $2,867 per year, and young drivers can get the cheap full coverage insurance with Progressive at $7,143 per year.

InsurerFull coverageMinimum coverage
New York Central Mutual (NYCM) $6,475$2,788
USAA$6,623$2,833
Progressive$7,143$3,033
State Farm$7,785$2,867
GEICO$8,129$3,864
Liberty Mutual$8,366$3,903
Travelers$8,940$4,123
Allstate$9,123$3,439
Long Island average$7,539$3,477
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Young drivers tend to have higher rates regardless of what city or state they reside in. Insurance quotes for young drivers are close to three times more than those for older drivers in their late 20s and 30s.

Young or teen drivers should make sure to compare quotes with three or more insurance providers to find the best deal. 

Average Car Insurance Costs by City in Long Island

Insurers will use your zip code to determine your Long Island, New York insurance rates, as well as your credit score, marital status, and driving history.

The Empire State average rate is $2,412 per year; through our comparison study of rates, our agents found Long Island (the most populated island in the United States) residents have slightly lower premiums with an average quote of $2,274 annually or $189 per month for full coverage.

Cheapest Car Insurance in Babylon, NY

During our study, Babylon drivers can find the most affordable insurance coverage with Progressive who has the lowest average rates at $1,543 annually or 21% cheaper than Babylon’s average of $1,911.

Babylon CompanyAverage Premium
Progressive$1,543
Utica National$1,672
State Farm$1,833
Babylon average$1,911
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Cheapest Car Insurance in Bethpage, NY 

Drivers in Bethpage who opt for full coverage can get the cheapest insurance coverage with Utica National, who provided our licensed agents a quote at $1,477 per year or 23% lower than average citywide rates as illustrated. 

Bethpage CompanyAverage Premium
Utica National$1,477
Progressive$1,499
State Farm$1,674
Bethpage average$1,916
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Cheapest Auto Insurance in Hempstead, NY

If Hempstead drivers are shopping for Long Island car insurance, the best rates are State Farm, who provided our agents a $1,615 quote for our sample driver.

State Farm’s rate is 17% lower than average for people in Hempstead with similar driver profiles.

Hempstead CompanyAverage Premium
State Farm$1,615
GEICO$1,745
Progressive$1,876
Hempstead average$1,948
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Cheapest Auto Insurance in Huntington, NY

Huntington drivers can get the best coverage rates with GEICO, who provided us a quote at $1,413 annually or a $117 monthly rate for full coverage insurance. GEICO’s rate is $486 lower than the average $1,899 Hempstead rate.

Huntington CompanyAverage Premium
GEICO$1,413
State Farm$1,598
New York Central Mutual$1,732
Huntington average$1,899
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Cheapest Auto Insurance in Islip, NY

During the AutoInsureSavings.org comparison shopping study, State Farm provides the most affordable quotes 23% cheaper for Islip drivers with rates at $1,501 annually. The second-best insurance option is GEICO ($1,623 per year), which 16% less expensive than Islip’s average $1,934 rate.

Islip CompanyAverage Premium
State Farm$1,501
GEICO$1,623
Allstate$1,840
Islip average$1,934
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Cheapest Auto Insurance in Oyster Bay, NY

Oyster Bay residents can get affordable insurance coverage with New York Central Mutual, which provided our agents a quote at $1,716 annually or a $143 monthly rate for full coverage, including personal injury protection and uninsured motorist coverage.

Oyster Bay CompanyAverage Premium
New York Central Mutual$1,716
State Farm$1,864
Liberty Mutual$1,983
Oyster Bay average$2,022
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Cheapest Auto Insurance in Southampton, NY

The Southampton average rate is $2,033 per year; through our research, Progressive provided us a quote at $1,490 per year or 27% less expensive than average. The next cheapest option is State Farm, with a $1,652 annual rate.

Southampton CompanyAverage Premium
Progressive$1,490
State Farm$1,652
GEICO$1,759
Southampton average$2,033
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Average Insurance Cost for All Cities in Long Island, New York

CityAverage Annual RateCityAverage Annual Rate
Albertson$1,934Manhasset$1,911
Amagansett$1,876Manorville$1,939
Amityville$1,981Massapequa$1,934
Aquebogue$1,948Massapequa Park$1,899
Atlantic Beach$1,876Mastic$1,967
Babylon$1,911Mastic Beach$1,916
Baldwin$1,899Mattituck$1,948
Bayport$1,981Medford$1,967
Bayshore$1,916Melville$1,876
Bayville$1,939Merrick$1,911
Bellerose Terrace$1,899Middle Island$2,032
Bellmore$1,934Mill Neck$1,899
Bellport$1,948Miller Place$2,027
Bethpage$1,916Mineola$1,981
Blue Point$1,967Montauk$1,939
Bohemia$1,876Moriches$1,899
Brentwood$2,024Mount Sinai$1,916
Bridgehampton$1,967Nesconset$1,876
Brightwaters$1,981New Hyde Park$2,022
Brookhaven$2,016New Suffolk$1,934
Brookville$1,934North Amityville$1,967
Calverton$1,939North Babylon$1,948
Carle Place$1,899North Lynbrook
Cedarhurst$1,911North New Hyde Park$1,948
Center Moriches$1,916North Patchogue$2,009
Centereach$1,948North Valley Stream$1,939
Centerport$1,876North Woodmere$1,899
Central Islip$2,041Northport$1,967
Cold Spring Harbor$1,981Oakdale$1,876
Commack$2,013Ocean Beach$1,934
Copiague$1,934Oceanside$1,948
Coram$2,013Old Bethpage$1,981
Cutchogue$1,911Old Westbury$1,911
Deer Park$1,967Oyster Bay$2,022
Dix Hills$2,023Patchogue$1,981
East Hampton$1,899Peconic$1,967
East Islip$1,939Plainview$1,911
East Marion$1,916Point Lookout$1,948
East Meadow$2,026Port Jefferson$1,939
East Moriches$1,876Port Jefferson Station$1,934
East Northport$1,967Port Washington$2,013
East Norwich$1,876Quogue$2,005
East Patchogue$1,948Remsenburg$2,007
East Quogue$1,981Riverhead$1,876
East Rockaway$1,911Rockville Centre$2,041
East Setauket$1,939Rocky Point$1,899
Eastport$1,899Ronkonkoma$1,911
Elmont$1,934Roosevelt$1,948
Elwood$1,911Roslyn$1,916
Farmingdale$1,911Roslyn Heights$1,981
Farmingville$2,013Sag Harbor$1,967
Fishers Island$1,916Sagaponack$2,021
Floral Park$1,948Saint James$2,018
Franklin Square$2,023Sands Point$1,911
Freeport$1,876Sayville$1,967
Garden City$1,899Sea Cliff$1,948
Glen Head$1,981Seaford$1,876
Glenwood Landing$1,939Selden$1,916
Great Neck$1,876Shelter Island$1,934
Great River$2,017Shelter Island Heights$1,939
Greenlawn$1,967Shirley$2,013
Greenport$2,015Shoreham$1,876
Greenvale$1,934Smithtown$1,999
Hampton Bays$1,939Sound Beach$1,895
Hauppauge$1,876South Hempstead$2,031
Hempstead$1,948South Jamesport$1,934
Hewlett$1,939Southampton$2,033
Hicksville$1,916Southold$2,041
Holbrook$2,032Speonk$1,981
Holtsville$1,939Stony Brook$2,013
Huntington$1,899Syosset$1,948
Huntington Station$1,981Uniondale$1,876
Inwood$2,031Upton$1,948
Island Park$1,876Valley Stream$2,030
Islandia$1,967Wading River$1,967
Islip$1,934Wainscott$1,899
Islip Terrance$1,948Wantagh$1,916
Jamesport$1,948Water Mill$1,939
Jericho$1,911West Babylon$2,043
Kings Park$2,022West Hempstead$1,996
Kings Point$1,876West Islip$1,948
Lake Grove$2,013West Sayville$1,911
Laurel$1,899Westbury$1,948
Lawrence$1,999Westhampton$1,876
Levittown$1,916Westhampton Beach$1,934
Lindenhurst$1,996Williston Park$1,899
Lloyd Harbor$1,948Woodbury$1,967
Locust Valley$1,876Woodmere$1,996
Lynbrook$1,939Wyandanch$1,916
Malverne$1,899Yaphank$1,948
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Minimum Requirements for Auto Insurance Coverage in Long Island, NY

Long Island drivers are required to have a minimum amount of liability coverage in their auto insurance policies.

LiabilityMinimum coverage
Bodily injury liability$25,000 per person and $50,000 per accident
Property damage liability$10,000 per accident
Personal injury protection (PIP)$50,000 per accident
Uninsured motorist bodily injury (UMBI)$25,000 per person and $50,000 per accident
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AutoInsureSavings.org licensed agents recommend getting higher liability limits if you have multiple assets or a high-net-worth individual. Minimum coverage policies are the lowest coverage limits you can buy as per state insurance laws and the cheapest. Still, people with multiple assets or high-net-worth could be left financially vulnerable if in a car accident.

Our agents recommend most motorists carry collision and comprehensive coverage in their policies to make sure they have the best financial protection. 

Frequently Asked Questions

Who has the Cheapest Car Insurance in Long Island?

Utica National offers the cheapest overall insurance rate in Long Island, with a quote at $56 per month. Then USAA at $57 per month, State Farm with a $58 monthly rate, and New York Central Mutual at $61.

It is important to note that USAA only offers its insurance policies to current and former members of the U.S. Military and their families. For drivers who are not eligible for this coverage, their best option for the lowest priced insurance would be Utica National for minimum coverage policies.

How Much Is Full Coverage Car Insurance in Long Island?

The average amount for full coverage car insurance in Long Island is $2,274 per year or $189 per month. Full coverage insurance policies include liability, comprehensive, and collision. The amount you pay for your full coverage insurance can go up depending on other factors such as traffic violations or poor credit.

The following list has the average annual amount of full coverage insurance for different types of drivers: drivers with an accident: $3,627, drivers with a speeding ticket: $2,876, drivers with a DUI: $3,893, and drivers with poor credit: $3,539.

How do I Save on Car Insurance in Long Island?

You can save on your Long Island insurance rates by comparing quotes from various auto insurance companies until you find the one that works best for you and has excellent customer service. You can also find out about money-saving discounts you may be eligible for, such as Good Student or Multiple Policy discounts. Be sure to ask your insurance agent if you are unsure of your eligibility for auto policy discounts.

How Much is Car Insurance in Long Island per Month?

The average monthly rate for insurance in Long Island is $189. That comes to $2,274 per year for a driver who is 30-years-old and has full coverage insurance.

Here are some of the average monthly rates from some of the top insurance companies in Long Island: Progressive at $124, Utica National at $127, GEICO at $145, and NYCM at $153.

How Much Will My Car Insurance Rise with a Speeding Ticket in Long Island?

As of 2020, the increasing amount for speeding at 31+ miles per hour over the limit was 30.7%. However, if you received a ticket for failure to yield, you could expect your premium to go up 22.1%. Overall, your rates could rise as little as 5% for a minor violation. Like not wearing your seat belt, for instance. Or they could go up as much as 96% for something more severe such as a DUI.

Long Island, New York drivers can expect their rates to go up by as much as 22% after receiving one speeding ticket. But that amount can vary from one driver to the next and may be based on several factors.

The amount you will pay for your insurance rates after you get a ticket could be based on how many violations you have on your record. It could also be determined by your history or how long you have been with the same insurance company, the type of traffic violation in question, and the New York State laws.

To learn more about the most affordable insurance options in Long Island, New York, contact the experts at AutoInsureSavings.org. Our licensed professionals will be happy to answer any questions you have.

Methodology

AutoInsureSavings.org collects quotes from the state’s largest insurance companies for a 30-year-old male motorist for our driver profile. Our driver had a clean driving record unless otherwise stated.

AutoInsureSavings.org collects three to five quotes from each insurer via Quadrant Information Services.

Unless stated, our methodology’s operating vehicle is a 2018 Honda Accord (12,000 annual miles) with a paperless, safe driver, and anti-theft discounts.

For full coverage policies, we used the following coverage limits:

$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.

Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.

AutoInsureSavings.org uses rate data from Quadrant Information Services. We sourced quotes from insurer filings that are publicly available for rate comparison.
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Sources

National Highway Traffic Safety Administration. “Traffic Safety Facts.”
New York Department of Motor Vehicles. “Get a Learner Permit.”
New York Department of Motor Vehicles. “New York State Insurance Requirements.”
New York Department of Motor Vehicles. “Penalties for Alcohol or Drug-related Violations.”
NOLO. “DUI Laws By State.”
National Association of Insurance Commissioners (NAIC). “2019 Market Share Reports.”
Experian. “2019 Consumer Credit Review.”