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Jerry Data & Research
Cheapest car insurance in Queens, New York (Apr 2024)
Cheapest car insurance in Queens, New York (Apr 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Queens, New York.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Maria Cruz
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor
What's on this page?
- How to find the cheapest car insurance quotes in Queens
- Best car insurance companies in Queens
- Best cheap car insurance quotes in Queens
- Car insurance quotes in Queens by rating factors
- How do different factors impact your car insurance costs in Queens?
- Cheap car insurance quotes in Queens after driving violations
- Cheap car insurance quotes in Queens by age
- Cheap car insurance quotes in Queens based on insurance history
- Cheap car insurance quotes in Queens for popular cars
- How to lower car insurance costs in Queens
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance quotes in Queens
On average,
auto insurance
in Queens costs about $349 per month for minimum coverage liability insurance, and about $514 per month for full coverage insurance. Queens drivers pay more than the New York average. Coverage type | Queens, NY | New York | United States |
|---|---|---|---|
State minimum | $349 | $122 | $77 |
Full coverage | $514 | $211 | $165 |
Every month, thousands of wise car insurance shoppers in Queens come to Jerry to compare and buy car insurance most efficiently. Below are some of the cheapest car insurance quotes Jerry found for our Queens customers.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $326 | Cynthia, 25 Zip: 11365 | Toyota Camry LE | • State Minimum Liability |
| Nationwide | $230 | Steven, 28 Zip: 11101 | Mazda CX-5 Touring | • 100,000/300,000 Liability • Comp / Collision |
| Allstate | $200 | Hattie, 58 Zip: 11421 | Jeep Cherokee Trailhawk | • 50,000/100,000 Liability • Comp / Collision |
| Safeco | $201 | Elnora, 41 Zip: 11432 | BMW X3 3.0i | • 50,000/100,000 Liability • Comp / Collision |
| Mercury | $245 | Terry, 41 Zip: 11694 | Audi Q3 Premium Plus | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Apr 24, 2024Best car insurance companies in Queens
To give drivers a clearer look into how the most affordable car insurance companies compare, Jerry conducted the largest insurance survey in the nation. The results: the cheapest insurer varies from person to person.
Since
car insurance quotes
are based on individual factors like your age and driving record, along with each insurer’s individual calculation formula, this is only to be expected. Price isn’t everything either: claim handling and customer service are also important qualities to review when choosing an insurer.Allstate
, Nationwide
, and Progressive
tend to be popular insurers among Queens policyholders. But let’s take a look at how different Queens customers reviewed them on a scale of 0 to 5.Insurance company | Monthly minimum coverage cost | Monthly full coverage cost | Cost rating | Overall Jerry rating |
|---|---|---|---|---|
Clearcover | $93 | $202 | 4.6 | 4.7 |
$122 | $341 | 4.7 | 4.8 | |
$194 | $416 | 4.0 | 4.3 | |
$229 | $451 | 3.8 | 3.6 | |
$306 | $492 | 3.9 | 4.3 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Queens
Drivers in Queens are legally required to carry New York’s minimum liability coverage, uninsured motorist coverage, and personal injury protection (PIP)—but you may want to consider full coverage for added financial protection.
Cheap minimum liability insurance quotes in Queens
As per New York car insurance laws, Queens drivers must carry the state’s minimum coverage limits to legally drive on NY roads.
The state’s minimum car insurance coverage includes:
- $10,000 per accident ofproperty damage liability coverage
- $25,000 per person / $50,000 per accident ofbodily injury liability coverage
- $25,000 per person / $50,000 per accident of bodily injuryuninsured motorist coverage
- $50,000 ofpersonal injury protection
Take a look at some of the top providers in Queens who offer lower than average minimum coverage car insurance.
Insurance provider | Monthly minimum coverage cost |
|---|---|
$47 | |
$58 | |
$77 | |
The General | $81 |
$83 |
Do you need more than minimum coverage in Queens?
New York’s car insurance requirements are fairly high compared to other states, but extra coverage is still a good idea for Queens drivers.
Additional protection like collision coverage could save you from costs associated with unexpected damages to your car. Increasing liability limits can also help prevent you from paying out of pocket—especially if you’re ever at fault in an accident resulting in a totaled vehicle (or more than one).
The risk of winter storms, heavy rain, and high winds in Queens causing non-collision damage to your car may also make a strong case for adding comprehensive coverage. This type of protection can also keep you financially secure against vandalism and vehicle theft.
For better financial protection in Queens, explore different coverage options. Consider full coverage with collision and comprehensive insurance, and add extra protection by increasing your liability limits.
For better financial protection in Queens, explore different coverage options. Consider full coverage with collision and comprehensive insurance, and add extra protection by increasing your liability limits.
Cheap full coverage car insurance quotes in Queens
New York’s minimum car insurance requirements are meant to protect drivers from paying out of pocket for repairs and replacements if an accident were to occur. But to protect your vehicle from repairs and replacements, full-coverage car insurance is the way to go.
- Collision coverage protects you from costs associated with repairing or replacing your vehicle after an accident
- Comprehensive coverage kicks in if your vehicle is stolen or requires repairs for non-collision damages
Typically, leased or financed vehicles require collision and comprehensive coverage. These insurance companies offer some of the lowest average rates for Queens drivers seeking full coverage:
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.Car insurance quotes in Queens by rating factors
- Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
- Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
- Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
- Your mileage: High annual mileage can result in higher insurance costs.
- The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
- Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.
How do different factors impact your car insurance costs in Queens?
How do different factors impact your car insurance costs in Queens?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Education, occupation, employment status
Learn more about the car insurance rating factors in Queens:
Cheap car insurance quotes in Queens after driving violations
Your driving history is one of the main factors that impact your insurance rate. You will be quoted higher if insurance carriers observe a history of violations or risky driving. Common driving violations that can raise your rates include:
Cheapest car insurance in Queens after speeding ticket
Speeding comes in different sizes. In Queens, repercussions are different for speeding 1–5 MPH, 6–10 MPH, 11–15 MPH, 16–20 MPH, and 21+ MPH over the speed limit.
Speeding is classified as risky—and depending on your speed, reckless—driving behavior, so a
speeding ticket
will typically increase your car insurance premiums. Here's how a speeding ticket may influence your premiums in Queens.Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
Speeding | $518 | 20% |
Cheapest car insurance in Queens after DUI
A
DUI violation
will certainly skyrocket your car insurance rate in Queens. New York laws strictly prohibit driving under the influence and a single offense is enough to significantly increase your premiums by the following amount.Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
DUI | $607 | 40% |
While your rates will inevitably be higher after a DUI, they can still vary from one insurance provider to another. The best way to find the most affordable rate after a DUI is to compare rates from multiple carriers.
Cheapest car insurance in Queens after an at-fault accident
Car accidents
on your claim history can significantly impact your car insurance rates in Queens. This is because insurance providers look at your at-fault accidents to assess the level of risk you pose as a policyholder. Even though New York is a
no-fault state
, Queens drivers can still be deemed at fault for collisions and held responsible for another driver’s property damages. Having an at-fault accident on your record can result in the following premium costs.Driving record | Monthly coverage cost | Rate increase (%) |
|---|---|---|
At-fault accident | $474 | 10% |
Cheapest car insurance in Queens after other driving violations
Speeding tickets, DUIs, careless driving, and
suspended licenses
on your driving record can all lead to rate hikes from any car insurance provider in Queens.Here’s a list of different driving violations and how they can each change your car insurance costs.
Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
Illegal turn | $500 | 16% |
Careless driving | $719 | 66.8% |
Wrong way/wrong Lane | $809 | 87.7% |
Cheap car insurance quotes in Queens by age
Young people and seniors generally face the highest insurance rates.
Due to their restricted driving backgrounds, young drivers typically pay more for insurance—especially in New York. Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid 70s.
Cheapest car insurance in Queens for young drivers
Car insurance can be high for everyone in Queens, but teen drivers between the ages of 16 to 19 usually receive higher-than-average rates—even if they have a clean driving record.
The likelihood of a teen driver filing an insurance claim can be quite high, as well. To stay well-protected on the roads, teen drivers should be on a policy with full coverage in case an accident occurs. Staying on a parent’s policy is an ideal way to keep those
teen car insurance
rates lower, too.This table shows what Queens drivers between 18 and 25 pay for minimum liability and full coverage car insurance.
Age group | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
18-21 | $938 | $1,248 |
22-25 | $614 | $830 |
Cheapest car insurance in Queens for middle-aged drivers
As drivers gain more experience behind the wheel, their rates lower. Drivers 25-64 see some of the cheapest rates for all age demographics, with rates rising again after motorists turn 65+.
Age group | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
26-34 | $363 | $522 |
35-44 | $373 | $494 |
45-54 | $352 | $449 |
Cheapest car insurance in Queens for senior drivers
Cheapest car insurance in Queens for senior drivers
Drivers can expect higher premiums once they reach 65 years old. These higher rates for
senior drivers
are supported by statistics that observe seniors as more likely to face accidents and subsequent injuries, incurring medical expenses and additional costs for insurance providers.If you're a senior driver, here's how much you might pay for coverage in Queens.
Age group | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
55-64 | $298 | $434 |
65+ | $317 | $426 |
Cheap car insurance quotes in Queens based on insurance history
Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
. Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. Check out what you could pay for coverage after a lapse.
Insurance history | Monthly coverage cost | Rate increase (%) |
|---|---|---|
With coverage lapses | $535 | 24% |
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Cheap car insurance quotes in for drivers with poor credit
Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.Generally, drivers with great credit scores (over 700) will pay less on car insurance compared to individuals with poorer scores (below 600). Take a look at the average rate for car insurance for drivers with poor, average, and great scores.
Credit score | Monthly coverage cost |
|---|---|
< 600 | $452 |
601-699 | $383 |
700+ | $203 |
Cheap car insurance quotes in Queens for popular cars
Your insurance rate is based on multiple factors, including the type of car you drive. If your car might require expensive repairs or replacement, attracts high theft rates, or has poor safety ratings, your insurance premiums will likely be higher than if you had a low-risk vehicle.
The table below shows how much you could pay for coverage with some of the most popular vehicles in Queens.
Vehicle type | Monthly minimum coverage cost |
|---|---|
$329 | |
$923 | |
$466 | |
$385 |
How to lower car insurance costs in Queens
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
What is the minimum car insurance in Queens, New York?
The state-minimum car insurance in Queens, New York is $25,000 in bodily injury liability per person, $50,000 per accident, and $50,000 for damage to property. These coverages are commonly referred to as 25/50/50 coverage.
What is the best car insurance in Queens?
While there is no 'best' provider for all drivers, most Syracuse motorists can find cheap full and minimum coverage with
Kemper
, while other insurers, such as Met360 and State Auto
provide lower than average premiums.
How much is car insurance in Queens?
People living in Queens pay on average $349 per month – or $4,192 per year – on state-minimum liability coverage. Full coverage in Queens costs on average $514 per month or $6,162 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What's the cheapest car insurance in Queens?
Based on thousands of Queens drivers Jerry has worked with, most Queens drivers find the cheapest rates with Clearcover and
National General
.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
