As one of the most expensive states on average for full coverage car insurance, many New York drivers may be looking for ways to get the cheapest rates. In Queens, drivers pay an average of $2,403 for minimum coverage and $4,631 for full coverage, or around $386 monthly, as of 2021. Although almost half of Queens residents commute using public transit, over 70 percent own at least one car, making cheap car insurance a concern for many.

Compare rates and save on auto insurance today!

Close X
Advertising Disclosure
This advertisement is powered by, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Caret DownCaret Up
Please select age

Save on auto insurance with quotes from trusted providers like:


Drivers switch & save an average of $750+/year

Liberty Mutual

Are you overpaying for auto insurance?


Safe drivers choose Allstate®

Powered by (NPN: 19966249)
Insurance Disclosure, LLC is a licensed insurance producer (NPN: 19966249). services are only available in states where it is licensed. may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

See more providers in
Choose from insurers in

Bankrate has done research to help you find the best cheap car insurance in Queens. According to rate data on average annual premiums, Progressive, Erie, Geico and New York Central Mutual offer some of the cheapest average car insurance rates in Queens. Based on our analysis, these carriers offer strong financial strength and customer satisfaction ratings as well as a variety of potential discounts and coverage options.

Best car insurance companies in Queens

According to 2021 data provided by Quadrant Information Services, Progressive, Erie and Geico are some of the best cheap car insurance companies in Queens. They were selected based on their average rates, customer satisfaction, coverage options and discounts. Third-party data from J.D. Power’s 2022 U.S. Auto Insurance Study and the National Association of Insurance Commissioners (NAIC) complaint index were also used to narrow down the list of best car insurance companies in Queens.

This information, along with financial strength ratings from AM Best, make up the Bankrate Score, which is based on a 5-point scale. The Bankrate Score aims to give shoppers a tool to quickly compare insurance companies. Drivers in Queens looking for the best cheap car insurance may consider getting quotes from the following insurers:

Insurance company Bankrate Score J.D. Power customer satisfaction score (New York) Average annual premium for full coverage Average annual premium for minimum coverage
Progressive 4.3 811 / 1,000 $2,158 $1,444
Erie 4.5 Not rated $3,185 $1,741
Geico 4.7 829 / 1,000 $3,388 $1,746
New York Central Mutual 4.6 834 / 1,000 $5,140 $2,453


Progressive has one of the cheapest average premiums on our list for drivers in Queens. The Progressive Quote Explorer tool allows you to not only get a quote from Progressive, but also compare rates from several major carriers at the same time. Policyholders looking for cheap coverage may save even more with discounts for automatic payments, home ownership and enrolling in a telematics program. Drivers can add a variety of endorsements including rideshare coverage, rental car reimbursement and custom parts coverage. However, the J.D. Power study shows that Progressive falls below the industry average for overall customer satisfaction in New York, and the company has a higher-than-normal NAIC complaint index score.

Learn more: Progressive Insurance review


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, falling well below the average in the area. Queens drivers can customize their Erie auto insurance with a long list of optional coverages like pet coverage, personal item coverage, locksmith service and auto glass repair. One place Erie falls short is with discounts, offering just a few compared to competitors on our list.

Learn more: Erie Insurance review


Geico has one of the higher average premiums on our list, but the carrier received an above-average customer satisfaction score from J.D. Power. Geico Insurance offers drivers 16 discounts that may help drivers reduce their car insurance premium. 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. However, Geico only has a few coverages to tailor your coverage to your needs, like mechanical breakdown coverage and emergency road service, which might leave gaps in your coverage needs.

Learn more: Geico Insurance review

New York Central Mutual

NYCM received the highest J.D. Power ranking in the New York area for customer satisfaction and the second highest Bankrate Score on our Queens auto insurance list. Policyholders may be able to save with discounts for bundling, daytime running lights and drivers under 21 who take a qualifying safety course. As a regional carrier, it may not offer as many policy customization options as other carriers, but it has dozens of local agents for those who prefer in-person service. However, it only offers one optional coverage, emergency roadside assistance, and its average premiums are higher than the annual average for Queens.

Learn more: New York Central Mutual Insurance review

How to get and keep the cheapest car insurance in Queens

Learning how to get and keep the cheapest car insurance in Queens may help you maintain the most competitive rates. Here are some tips on getting and keeping the best rates in Queens for car insurance:

  • To find cheap car insurance, compare quotes from multiple providers. Comparing quotes from several companies may help you find the cheapest rates. Each company may have its own rate structure and available discounts, so your quoted rate may vary significantly between providers.
  • To keep cheap car insurance, maintain a clean driving record. Avoiding tickets and accidents may make you eligible for lower rates and safe driving discounts. Companies typically reserve the cheapest rates for drivers with clean driving records. 

Frequently asked questions