Best cheap car insurance in Queens for 2021

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New York is the third most expensive state for car insurance in the country. The average cost of car insurance in Queens is $2,403 for minimum and $4,631 for full coverage. Considering that urban areas of New York have some of the lowest car ownership rates in the country, Queen’s high rates surprise many vehicle owners. The borough stands apart from neighboring areas with the highest vehicle ownership rate of 62%. Traffic, congestion and fender benders likely contribute to the higher than average rates.

Finding the cheapest car insurance in Queens is vital or your insurance premiums may make owning a vehicle unaffordable. We analyzed the carriers that operate in the area using criteria such as average premiums, positive customer reviews and coverage options to bring you a shortlist of the cheap car insurance Queens has to offer.

Best car insurance companies in Queens

The following carriers are our picks for best car insurance companies in Queens, New York. They were selected based on the cheapest annual rates for minimum and full car insurance based on 2021 rate data, customer satisfaction, coverage options and discounts. We used a combination of J.D. Power ratings based on annual customer satisfaction study and the National Association of Insurance Commissioners (NAIC) complaint index to narrow down the list of best car insurance companies in Queens to four.

Insurance company J.D. Power customer satisfaction score Average annual premium for minimum coverage Average annual premium for full coverage
Progressive 825 / 1,000 $1,444 $2,158
Erie Not rated $1,741 $3,185
Geico 837 / 1,000 $1,746 $3,388
New York Central Mutual 837 / 1,000 $2,453 $5,140

Progressive

Progressive has one of the cheapest average premiums for Queens drivers at $1,444/$2,158 per year. You can use the Progressive Quote Explorer tool to get rates for several major carriers at the same time you request a quote from Progressive. Drivers can add rideshare coverage if they work for Uber, Lyft, Doordash, Instacart or another similar service. Rideshare insurance automatically toggles off and on to provide coverage only when you are working and logged into the rideshare app.

Learn more: Progressive Insurance review

Erie

Erie does not rank in J.D. Power’s car insurance study for the New York area, but it does make the top carrier list for other regions. Erie’s car insurance rates for Queens vehicle owners are relatively affordable. This provider’s rates beat the Queens average significantly — the average minimum coverage with Erie is almost $700 less than the city’s average and full coverage is $1,500 less.

Learn more: Erie Insurance review

Geico

Geico Insurance offers drivers 16 discounts to help reduce car insurance premiums. Some of the most significant are occupation-related, such as lower rates for military and federal employees. In addition, the insurance company partners with many large companies to extend special, pre-negotiated rates to employees through its affiliate program.

Learn more: Geico Insurance review

New York Central Mutual

NYCM tied with Geico for highest customer satisfaction scores from policyholders who participated in the J.D. Power study. New York Central Mutual’s local branches make it unique. While most insurance providers are looking to cut costs and divert customers to online or phone service, NYCM continues to provide one-on-one service to prospective and current customers.

Cheapest car insurance in Queens

The carriers mentioned above made the list based on a combination of factors. If you need cheap car insurance to keep a tight budget under control, the following five insurance providers are among the largest in the country and listed based on the low premiums they offer.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Progressive $1,444 $2,158
Erie $1,741 $3,185
Geico $1,746 $3,388
USAA $1,941 $3,902
Allstate $2,893 $4,784

Queens insurance requirements

New and existing Queens residents should be aware of how much coverage they would need. The New York Department of Motor Vehicles explains that vehicle owners must at least carry a minimum amount of liability coverage:

  • $25,000 for bodily injury / $50,000 for an accident fatality
  • $50,000 for bodily injury / $100,000 for two or more accident fatalities
  • $10,000 for property damage coverage

Keep in mind that buying the state minimum coverage might save you money in the short term but limits the level of financial protection you will receive. Liability insurance only covers third party expenses. To add insurance for your vehicle or if you worry about coverage if an uninsured motorist causes an accident, add comprehensive, collision and uninsured motorist insurance.

Car insurance discounts in Queens

Saving on car insurance should be an important step for all Queens residents considering switching carriers. Some discounts you might be eligible for include:

  • Low mileage: If you occasionally walk or take public transportation, some carriers will offer you a discount for driving less.
  • Garage parking: Some carriers offer a discount to drivers who park their vehicles off the streets (where the most damage tends to occur) and in a garage or other type of private structure.
  • Claims-free: Going at least three years without a claim or accident could help you lower your auto insurance bill.
  • Good student: If you are currently in school and have a GPA of 3.0 or higher, you could qualify for a reduction in your rates for being a good student.
  • Autopay: Setting up your premiums to automatically draft from your bank account each month ensures you do not forget to pay your bill and cause a lapse in coverage. Therefore, some insurance providers offer discounts.

Frequently asked questions

What is the best car insurance company?

There is not one specific insurance company available as the best for all car owners. Queens drivers should choose based on what aspects are most important to them.

How much does car insurance in Queens cost?

The average cost of car insurance in Queens is $2,403 per year for minimum liability insurance and $4,631 for full coverage. New York as a whole is one of the most expensive places in the country for car insurance.

How can I save on car insurance rates?

Start by finding the cheapest car insurance carrier. Get quotes from several to compare and narrow the list down to just a few. Once you have identified the cheapest, you can research how well they respond to customer complaints, as well as what types of insurance coverages they offer.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full 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 bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a finance and business journalist who has been featured in Bankrate, Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com. She regularly travels to Africa and the Middle East to consult with women’s NGOs about small business development and works with select startups and women-owned businesses to provide growth and visibility.
Edited by
Loans Editor