Cheap Auto Insurance Quotes in Long Island City, NY, for 2023

Car Insurance in Long Island City, NY

Though car insurance is more expensive than the national average in Long Island City, you can still find an affordable car insurance policy. Drivers have plenty of options to choose from, with many companies offering competitive rates, so make sure you take the time to compare quotes before choosing your insurance provider.

See More:

Cheap Car Insurance New York

Compare Car Insurance

Cheapest Car Insurance in Long Island City, NY

It’s true that some companies cater to low-cost policies, but price doesn’t always indicate value. When evaluating car insurance quotes, always consider the full scope of a policy, including the deductibles, coverage limits, and policy perks such as roadside assistance. You may find a policy offering much better protection is just a few dollars more a month.

Minimum Car Insurance Requirements in New York

All motor vehicles operated or parked on New York roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in New York^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. New York is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $50,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

• $25,000 per person for uninsured/underinsured motorist bodily injury

• $50,000 per accident for uninsured/underinsured motorist bodily injury

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In New York, this coverage is for bodily injury resulting from accidents with either type of driver.

Long Island City Car Insurance Rates by Driving and Accident History

Your driving record is one of the main factors that car insurance companies use to determine your risk^[2]. That’s why people with clean driving records pay less than those with one or two incidents on their record. Car insurance companies tend to charge people with a history of DUI or at-fault car accidents the most, even for minimum coverage.

See More:

High-Risk Car Insurance New York

DUI Car Insurance New York

Long Island City Car Insurance Rates by Credit Tier

Your credit score has a huge impact on your financial life, but did you know that it can also affect your car insurance rate^[3]? Every year, drivers with scores over 720 (good to excellent credit) pay hundreds less than drivers with scores under 720 (average to poor credit). This is just one more reason to practice good financial habits every day.

How to Get the Cheapest Car Insurance in Long Island City

There are several strategies you can use to get cheap car insurance rates. First, always practice safe driving habits and obey traffic laws. This lowers the chance that you’ll get a ticket or make an at-fault insurance claim. Next, consider driving an older vehicle with good safety features. These generally cost less to insure than newer vehicles with car loans attached.

Beyond this, you should take advantage of all the car insurance discounts made available to you (don’t be afraid to review your policy with an insurance agent, either). Finally, make time to compare car insurance rates before you buy. You can get several free quotes with the tools at Insurify. Our quote comparison is easy and confidential and takes just a few minutes.

Frequently Asked Questions

Insurify Insights

How Long Island City Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Long Island City, New York below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Long Island City drivers measure up to their fellow motorists across New York in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Honda Accord

Most Popular Car in Long Island City

#62

City with the Most Speeding Tickets Rank in New York

#111

City with the Most Moving Violations Rank in New York

#23

City with the Most DUIs Rank in New York

#24

City with the Most Suspended Licenses in New York

• Accidents in Long Island City

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Long Island City drivers rank 131 in the number of car accidents per driver across all cities in New York.

  • Rank within state: #131
  • Percent of drivers in Long Island City with an accident: 4.8%
• DUI/DWIs in Long Island City

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Long Island City drivers rank 23 in the number of DUI’s per driver across all cities in New York.

  • Rank within state: #23
  • Percent of drivers in Long Island City with a DUI: 2.1%
• Reckless Drivers in Long Island City

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in New York, Long Island City drivers rank 4 in the number of reckless driving offenses per driver.

  • Rank within state: #4
  • Percent of drivers in Long Island City with a reckless driving offense: 3.2%
• Rude Drivers in Long Island City

  The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in New York, Long Island City drivers rank 9 in rude driving infractions.

  • Rank within state: #9
  • Percent of drivers in Long Island City with a reckless driving violation: 3.2%
• Speeding in Long Island City

  Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New York, Long Island City drivers rank 62 in the number of speeding infractions per driver.

  • Rank within state: #62
  • Percent of drivers in Long Island City with a speeding ticket: 7.8%
• Safest Drivers in Long Island City

  Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Long Island City drivers rank 22 in clean driving records across all cities in New York.

  • Rank within state: #22
  • Percent of drivers in Long Island City with clean record: 82.6%
• Hybrid/Electric Vehicle Ownership in Long Island City

  As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Long Island City drivers rank 4 in hybrid and electric vehicle ownership across all cities in New York.

  • Rank within state: #4
  • Percent of drivers in Long Island City with a hybrid/electric vehicle: 5.21%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.