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How much is car insurance in Long Island City?
|Area||Average Monthly Car Insurance Premium|
|Long Island City||$159|
Based on the chart above, you can see that coverage in Long Island City typically costs about $40 a month less than it does in the rest of New York.
Compared to the national average cost of auto coverage, Long Island City has higher rates. It's about $78 more expensive for coverage in Long Island City than the average rates for the U.S. as a whole.
While these are the average car insurance rates for Long Island City, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
We've broken down average rates for Long Island City to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
|65+||Not Enough Data|
Every ten years or so you can expect to see a decline in your monthly premium. Drivers in Long Island City may see their rates creep back up once they hit retirement age.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Long Island City defies this trend. Female drivers typically pay around $37 more per month for auto insurance than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Long Island City, a driving record with one accident will usually get you a rate around $150 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $118.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$156|
|15 Years or Older||$163|
If you look at the first table above, you'll see that SUVs, trucks, and vans are by and large the cheapest vehicles to insure in Long Island City, with drivers paying around $153 per month for insurance coverage.
Car owners, however, pay about $159 per month to insure their vehicle.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Long Island City, vehicles two-to -three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$161|
Overall, car insurance is slightly cheaper for married policyholders. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Long Island City is about $10 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$166|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $16 a month more than if you own your own home in Long Island City. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Long Island City, NY
Recent trends in car insurance for Long Island City drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
In Long Island City, the rates for car insurance rose from 2019-2021, before steadying out in 2022. Car insurance rates finished down in 2022, at $99 a month
How does Long Island City compare to neighboring areas?
Why are car insurance rates in Long Island City different from other areas?
When considering how much to charge for coverage, car insurance companies will review many factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Total number of drivers in the community
- Off-street parking access
- Road Safety (total number of local car accidents)
- Regional regulations
- Area crime rates
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Long Island City?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com can handle all of this for you. Simply enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies that offer auto coverage in Long Island City.
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Long Island City Insurance FAQs
What factors affect car insurance quotes in Long Island City?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Long Island City different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Long Island City?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Long Island City?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Long Island City or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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