Finding the Best Long Island Car Insurance Company: A Local’s Guide

As a Long Island resident, having proper auto insurance coverage is crucial to protect yourself on New York roads and highways. However, with so many insurance companies to choose from, how do you determine the right Long Island car insurance provider for your needs?

This comprehensive guide covers everything you need to know about researching, comparing, and selecting the top Long Island auto insurers to get the best value on coverage.

Overview of Long Island Car Insurance Requirements

Before diving into providers, let’s review New York state’s minimum insurance requirements:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability
  • $50,000/$100,000 uninsured motorist bodily injury
  • No fault personal injury protection (PIP) with $50,000 maximum

These are just the legal minimums required to drive in New York. Most experts recommend higher liability limits of 100/300/100 for better protection. Collision and comprehensive coverage are also recommended if your vehicle has any financial value.

When evaluating companies, make sure they can provide adequate coverage to meet or exceed NY requirements.

Top 7 Long Island Car Insurance Companies

While individual experiences can vary, these insurers generally offer competitive pricing and strong customer service for Long Island drivers:


  • National provider with local agents
  • Ranks highly in customer satisfaction
  • Usage-based “DriveEasy” program can lower premiums
  • Numerous discount opportunities

2. Allstate

  • Established national brand and large local presence
  • Telematics options through “Drivewise” program
  • Bundling discounts for home and auto insurance
  • Accident forgiveness protection

3. State Farm

  • Largest auto insurer in U.S. with strong financial ratings
  • Popular vanishing deductible rewards safe driving
  • Rideshare insurance available if driving for Uber/Lyft
  • Support through local agent network

4. Progressive

  • Competitive rates with abundant discount programs
  • Offers accident forgiveness and new car replacement
  • Name your price® tool provides customized quotes
  • Telematics through Snapshot® adjusts rates based on driving

5. Travelers

  • Over 150 years of experience as an insurer
  • IntelliDrive® program offers usage-based discounts up to 20%
  • Student away at school and good student discounts
  • Superior financial strength

6. Liberty Mutual

  • Discounts for safe driving, anti-theft, good student, and hybrid/electric cars
  • RightTrack® program adjusts rates based on driving habits
  • Available rideshare and rental vehicle coverage
  • Free rate comparisons through website

7. MetLife

  • Free quote comparisons powered by PolicyGenius
  • Overpay Protection refunds difference if you find a lower price
  • Flexible payment plans available
  • Add-on coverages like rental car reimbursement

This list provides a starting point, but make sure to get quotes from several companies to find your best option.

What Impacts Your Car Insurance Rates on Long Island?

While each insurer weighs factors differently, here are some of the main elements that impact your premiums:

  • Driving Record – Recent accidents, speeding tickets, DUIs will increase your rate significantly. Maintaining a clean record saves you money.

  • Location – Your risk exposure is higher in dense, urban areas like Long Island. Parking situation, commute distance and more also play a role.

  • Age – Insurers view younger drivers under 25 as higher risk, while those with more experience tend to get better rates.

  • Vehicle Make/Model/Year – The type of car you drive affects risk exposure and claim costs. Flashy sports cars or expensive luxury vehicles often cost more to insure.

  • Coverage Limits – Higher liability, collision, comprehensive and other limits mean higher premiums. Scale back to only what you need to save.

  • Deductible – Choosing a higher deductible amount will lower your monthly rate. Just make sure you have savings to cover the out-of-pocket costs if you file a claim.

  • Credit History – Statistics show drivers with excellent credit tend to file fewer claims. Poor credit will drive rates up.

  • Mileage – The more miles you drive annually, the greater the risk. Keeping mileage low can significantly reduce your premium.

Finding the Best Long Island Car Insurer for You

While price is important, make sure to consider these additional factors as you evaluate insurance providers:

1. Coverage Options

  • Look for standard coverages like collision, comprehensive, uninsured motorist, PIP, and rental reimbursement.

  • Seek extras like roadside assistance, accident forgiveness, new car replacement, and rideshare coverage.

  • Inquire about usage-based options to save based on your driving habits.

2. Customer Satisfaction

  • Research online reviews and consumer complaint ratios. Prioritize highly rated insurers.

  • Ask family and friends for local company referrals and feedback.

  • Ensure sufficient resources for customer service and claims assistance.

3. Provider Financial Strength

  • Verify strong financial ratings from agencies like A.M. Best when selecting a company.

  • Established national brands with large local presence often rank well.

  • Avoid startups or providers with a history of financial difficulties.

4. Discounts and Savings

  • Look for ways to reduce your rate through multi-policy bundles, safe driver programs, low mileage discounts, group affiliations, and more.

  • Consider raising your deductible or lowering coverage limits where possible if budgets are tight.

5. Agent Support

  • For personalized guidance, consider local independent insurance agencies who can compare rates across multiple companies.

  • Direct-to-consumer insurers offer convenience through online applications and account management.

Key Takeaways on Long Island Auto Insurance

Finding the right auto insurance in New York doesn’t have to be a hassle. Keep these tips in mind:

  • Shop around with at least 3-5 providers to make sure you get competitive quotes.

  • Focus on higher liability limits, strong financial ratings, and excellent customer service.

  • Maintain good driving habits, credit history, low mileage, multi-policy bundles to save.

  • Utilize telematics programs and available discounts to lower your premiums.

  • Connect with a local agent if you want experienced guidance through the process.

  • Re-evaluate your coverage any time you have major life changes like marriage, new home, kids, new car, etc.

The right Long Island auto insurance company will give you peace of mind with affordable rates, helpful service and reliable protection on the road. With a little research, you can find the perfect policy for your needs as an NYC metro area driver.

7 mistakes people make when purchasing car insurance


What is the cheapest car insurance in Long Island NY?

Safeco, CSAA, and Midvale Home & Auto offer some of the lowest average rates on Long Island. Here’s how to find the best coverage for you. CSAA offers the cheapest liability-only insurance rates on average, at $136 per month, while Safeco offers the lowest full-coverage insurance rates, at $196 per month.

Why is car insurance so expensive Long Island?

Car insurance in New York is expensive because it’s a no-fault state with a high rate of insurance fraud. In New York, you can expect to pay approximately $7,502 per year for full coverage car insurance or $3,052 per year for minimum coverage.

Is Geico cheaper than Progressive?

Both Geico and Progressive offer cheap car insurance to drivers across the country. Geico’s rates are typically lower overall, but Progressive tends to offer better prices to high-risk drivers. High-risk drivers are those with a recent DUI, at-fault accident or speeding ticket on their driving record.

Leave a Comment