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How much is car insurance in Long Island City?
|Area||Average Monthly Car Insurance Premium|
|Long Island City||$157|
Car insurance coverage in Long Island City is about $41 cheaper than it is in the rest of New York.
On the flip side, Long Island City residents will likely pay higher rates for their insurance policy than the rest of the country. Coverage in Long Island City is about $77 more expensive than it is for the rest of the U.S.
Although these are the average car insurance rates in Long Island City, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Long Island City and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
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. Once you hit retirement age, however, your rates may climb back up a bit in Long Island City.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Long Island City, where female drivers pay around $25 more per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records can expect to pay a lot less than those with accidents or violations. Drivers in Long Island City with a single accident will pay around $150 a month.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$156|
|15 Years or Older||$150|
The most affordable vehicles to insure in Long Island City are usually SUVs, which run about $149 per month.
Truck and van drivers will see rates of about $153 for auto insurance, while car owners by and large pay around $157 a month.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. 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)||$162|
More often than not, those who are currently married will pay slightly less for car insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
In Long Island City, the difference in rates based on relationship status can be as much as $36 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$166|
Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $13 a month more than if you own your own home in Long Island City. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
In Long Island City, the rates for auto insurance have been mixed over the past few years. They did, however, rise from $144 in 2019 to $178 in 2021.
How does Long Island City compare to neighboring areas?
Why are car insurance rates in Long Island City different from other areas?
Car insurance companies will take into account a number of factors when deciding how much to charge for a policy. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Regional crime rates
- Number of drivers in the area
- Regional laws
- Number of car accidents
- Off-street parking availability
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Long Island City?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer auto coverage in Long Island City.
Long Island City Insurance FAQs
What factors affect car insurance quotes in Long Island City?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Long Island City different from other neighboring cities?
Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Long Island City?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Long Island City?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Long Island City or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?