Best Queens Village, New York Auto Insurance in 2024 (Compare the Top 10 Companies)
State Farm, Erie, and AAA provide the best Queens Village, New York auto insurance, with rates at 59/month. AAA offers budget-conscious drivers, State Farm is known for excellent service, and Erie provides competitive rates. Comparing these options helps find the best auto insurance value in Queens Village.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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UPDATED: Nov 2, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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17,760 reviewsCompany Facts
Full Coverage in Queens Village NY
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
1,814 reviewsCompany Facts
Full Coverage in Queens Village NY
A.M. Best Rating
Complaint Level
Pros & Cons
1,814 reviews
2,934 reviewsCompany Facts
Full Coverage in Queens Village NY
A.M. Best Rating
Complaint Level
Pros & Cons
2,934 reviewsExplore the best Queens Village, New York auto insurance options with providers such as State Farm, Erie, and AAA, where rates start at $59/month.
Compare auto insurance in Queens Village to other New York cities, including Albany, New York auto insurance rates,
Our Top 10 Company Picks: Best Queens Village, New York Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Many Discounts | State Farm |
 | #2 | 12% | A+ | 24/7 Support | Erie |
 | #3 | 15% | A | Online App | AAA |
 | #4 | 10% | A+ | Usage Discount | Nationwide |
 | #5 | 18% | A+ | Innovative Programs | Progressive |
 | #6 | 13% | A++ | Accident Forgiveness | Travelers |
 | #7 | 16% | A | Local Agents | Farmers |
 | #8 | 14% | A+ | Add-on Coverages | Allstate |
 | #9 | 19% | A++ | Military Savings | USAA |
 | #10 | 11% | A++ | Custom Plan | Geico |
Before you buy Queens Village, New York auto insurance, compare rates from multiple companies to ensure you’re getting the best deal.
Enter your ZIP code above to receive free auto insurance quotes for Queens Village, New York, tailored to your needs.
- Find the best Queens Village, New York auto insurance options
- Compare top-rated providers to secure the most competitive rates in Queens Village
- State Farm stands out as the top pick for excellent service
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#1 – State Farm: Top Overall Pick
Pros
- High A.M. Best Rating: State Farm’s B rating from A.M. Best demonstrates its financial strength and reliability.
- Generous Bundling Discount: State Farm offers a 17% bundling discount, which can lead to significant savings. Discover more bundling discounts at “State Farm Auto Insurance Review.”
- Extensive Discounts: Known for offering many discounts, State Farm provides opportunities to lower overall insurance costs.
Cons
- Limited Online Tools: State Farm’s online tools and mobile app might not be as advanced as some competitors.
- Higher Premiums for Certain Profiles: Certain drivers, especially those with poor credit or previous claims, might face higher premiums.
#2 – Erie: Best for 24/7 Support
Pros
- Strong A.M. Best Rating: Erie has an A+ rating from A.M. Best, which indicates solid financial stability and reliability.
- 24/7 Support: Erie offers 24/7 customer support, providing assistance at any time.
- Competitive Bundling Discount: With a 12% bundling discount, Erie offers savings for customers who combine auto and home insurance policies.
Cons
- Limited Availability: Erie’s services may not be available in all states, which could be a limitation for those seeking coverage. Learn more about limited availability at “Erie Auto Insurance Review.”
- Customer Service Complaints: Some customers have reported dissatisfaction with Erie’s customer service
#3 – AAA: Best for Online App
Pros
- High A.M. Best Rating: AAA holds an A rating from A.M. Best, indicating solid financial strength. AAA’s reliable rating suggests it is a dependable choice for coverage.
- Convenient Online App: AAA offers an online app that provides easy access to policy information and claims management.
- Generous Bundling Discount: With a 15% bundling discount, AAA offers substantial savings for customers who combine multiple insurance policies.
Cons
- Limited Availability: AAA’s insurance services may not be available in all areas, which could be a limitation for some customers.
- Higher Rates for Some Drivers: AAA’s rates can be higher for specific drivers, particularly those with less favorable risk profiles. Read more at “AAA Auto Insurance Review.”
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#4 – Nationwide: Best for Usage Discount
Pros
- Strong A.M. Best Rating: Nationwide has an A+ rating from A.M. Best, which indicates its financial stability and reliability.
- Usage Discount: Nationwide offers usage-based discounts, which can reduce premiums based on driving habits. Discover more about usage discounts at “Nationwide Auto Insurance Review.”
- Competitive Bundling Discount: With a 10% bundling discount, Nationwide provides savings for customers who combine their auto and home insurance policies.
Cons
- Higher Rates for Some Drivers: Certain drivers, especially those with poor credit or driving records, might face higher premiums with Nationwide.
- Customer Service Variability: This is a consideration for those evaluating the best service quality in Queens Village, New York, auto insurance.
#5 – Progressive: Best for Innovative Programs
Pros
- Excellent A.M. Best Rating: Progressive’s A+ rating from A.M. Best signifies financial solid stability and reliability.
- Innovative Programs: Progressive’s Snapshot program, which can lower premiums based on driving habits, offers modern and valuable options.
- Competitive Bundling Discount: Progressive offers an 18% bundling discount, Which provides significant savings for those who combine auto and other policies.
Cons
- Customer Service Complaints: Some customers have reported issues with Progressive’s customer service and claims handling.
- Rate Increases: Progressive’s premiums may increase after the initial policy term, which could affect long-term affordability. Discover rate increases at “Progressive Auto Insurance Review.”
#6 – Travelers: Best for Accident Forgiveness
Pros
- Top A.M. Best Rating: Travelers’ A++ rating from A.M. Best indicates exceptional financial strength and reliability. Read more at “Travelers Auto Insurance Review” to know the best ratings.
- Accident Forgiveness Program: Travelers offers an accident forgiveness program that can prevent premium increases after a first at-fault accident.
- Competitive Bundling Discount: With a 13% bundling discount, Travelers provides savings for customers who combine multiple policies.
Cons
- Higher Rates for Younger Drivers: Travelers may charge higher rates for younger drivers, which could be a disadvantage.
- Mixed Customer Service Reviews: Some customers have reported dissatisfaction with Travelers’ customer service, which could affect overall satisfaction.
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#7 – Farmers: Best for Local Agents
Pros
- Good A.M. Best Rating: Farmers holds an A rating from A.M. Best, reflecting solid financial strength.
- Local Agents: This feature enhances its standing as the best Queens Village, New York auto insurance by providing tailored advice and support.
- Generous Bundling Discount: Farmers offers a 16% bundling discount, Which provides substantial savings for customers who combine multiple insurance policies.
Cons
- Higher Premiums for Some Drivers: Farmers’ premiums can be higher than those of some competitors, which might be a downside for those seeking more affordable coverage.
- Inconsistent Customer Service: Some customers report variability in customer service quality. Read “Travelers Auto Insurance Review” to learn more about customer service.
#8 – Allstate: Best for Add-on Coverages
Pros
- High A.M. Best Rating: Allstate’s A+ rating from A.M. Best reflects its strong financial stability and reliability. Read our article entitled “Allstate Auto Insurance Review.”
- Generous Bundling Discount: Allstate offers a 14% bundling discount, which can significantly lower overall premiums.
- Comprehensive Add-On Coverages: Allstate provides extensive add-on coverages, such as accident forgiveness and new car replacement, adding value for policyholders.
Cons
- Higher Premiums for Some Drivers: Allstate’s premiums can be higher than those of some competitors, which may be a drawback for those seeking affordable rates.
- Limited Availability in Certain Areas: Allstate’s coverage might not be available in all regions, potentially limiting access.
#9 – USAA: Best for Military Savings
Pros
- Top A.M. Best Rating: USAA holds an A++ rating from A.M. Best, highlighting its exceptional financial strength.
- Military Savings: USAA offers specialized discounts for military members and their families, which can add considerable value.
- Generous Bundling Discount: USAA offers a 19% bundling discount, which provides significant savings for customers who bundle multiple policies.
Cons
- Eligibility Restrictions: USAA’s services are only available to military members, veterans, and their families. Discover and explore our article “USAA Auto Insurance Review” to know more.
- Limited Coverage Options: USAA’s coverage options might not be as extensive or customizable as those from some competitors.
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#10 – Geico: Best for Custom Plan
Pros
- Excellent A.M. Best Rating: Geico’s A++ rating from A.M. Best reflects financial solid stability and reliability. Read our article “Geico Auto Insurance Review” and gain additional insights.
- Customizable Plans: Geico offers customizable insurance plans, allowing drivers to tailor coverage to their specific needs.
- Competitive Bundling Discount: Geico offers an 11% bundling discount, which reduces premiums for customers who combine multiple types of insurance.
Cons
- Limited Coverage Options: Geico’s range of coverage options might be less extensive than that of some competitors.
- Mixed Customer Service Reviews: Some customers have reported issues with Geico’s customer service and claims processing.
Cheap Queens Village, New York Auto Insurance by Age and Gender
Queens Village, New York, auto insurance laws require that you have at least the New York minimum auto insurance to be financially responsible in the event of an accident. Take a look at the necessary auto insurance in Queens Village, New York.
Additionally, understanding how to evaluate auto insurance quotes can help you compare coverage options and find a policy that not only meets the legal requirements but also offers the best value for your needs.
Queens Village, New York Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $59 | $110 |
| $66 | $122 |
| $76 | $130 |
| $72 | $127 |
| $69 | $116 |
| $72 | $125 |
| $70 | $118 |
| $64 | $120 |
| $63 | $115 |
| $73 | $128 |
Auto insurance rates in Queens Village, New York, are influenced by both age and gender. Younger drivers often encounter higher premiums due to their increased risk profile.
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $1,448 | $1,530 | $444 | $435 | $478 | $437 | $459 | $462 |
 | $1,295 | $1,675 | $500 | $520 | $460 | $460 | $420 | $425 |
| $1,325 | $1,690 | $510 | $530 | $470 | $470 | $430 | $435 |
| $616 | $953 | $266 | $273 | $298 | $286 | $286 | $282 |
 | $1,568 | $2,272 | $802 | $852 | $802 | $802 | $746 | $746 |
| $961 | $1,455 | $522 | $678 | $522 | $522 | $490 | $490 |
| $1,186 | $1,277 | $450 | $412 | $364 | $325 | $280 | $287 |
| $1,356 | $1,654 | $515 | $534 | $465 | $465 | $409 | $409 |
| $1,213 | $1,421 | $563 | $570 | $543 | $529 | $490 | $512 |
| $1,257 | $1,487 | $391 | $435 | $304 | $298 | $277 | $277 |
Gender can also play a role, with some insurers setting different rates for men and women based on statistical data. Reviewing these factors can provide insights into how demographics affect your monthly insurance costs and help you find the best rates for your profile.
Cheap Queens Village, New York Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Queens Village, New York, can be particularly challenging due to the high risk associated with younger drivers. Insurers typically charge higher premiums for teens to account for their inexperience on the road.
Queens Village, New York Auto Insurance Discounts by Provider
| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy, Anti-Theft, Good Student, Safe Driver, New Car, Loyalty |
| Safe Driving, Multi-Policy, Anti-Theft, Good Student, Early Signing |
| Safe Driving, Multi-Policy, Anti-Theft, New Car, Young Driver |
| Safe Driver, Multi-Policy, Good Student, Anti-Theft, Homeowner |
| Multi-Policy, Safe Driver, Seat Belt Use, Defensive Driving, Anti-Theft |
| Safe Driver, Multi-Policy, Anti-Theft, Paperless Billing, Good Student |
| Safe Driver, Multi-Policy, Continuous Coverage, Homeowner, Anti-Theft |
| Safe Driver, Multi-Policy, Anti-Theft, Good Student, Defensive Driving |
| Multi-Policy, Homeowner, Safe Driver, Continuous Coverage, Anti-Theft |
| Military Affiliation, Safe Driver, Multi-Policy, Defensive Driving, Anti-Theft |
To get the best rates, compare monthly insurance quotes from various providers and explore potential discounts or programs designed for teen drivers. Understanding these rates can help you find more affordable options for insuring young drivers.
Queens Village, New York Teen Auto Insurance Monthly Rates by Provider & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male |
|---|---|---|
| $1,448 | $1,530 |
| $1,295 | $1,675 |
| $1,325 | $1,690 |
| $616 | $953 |
| $1,568 | $2,272 |
| $961 | $1,455 |
| $1,186 | $1,277 |
| $1,356 | $1,654 |
| $1,213 | $1,421 |
| $1,257 | $1,487 |
Additionally, consider the benefits of adding your teen to an existing family policy, which might offer lower rates compared to a standalone policy.
Queens Village, New York Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Weather-Related Risks | B+ | Mild with occasional storms |
| Traffic Density | B | High, but below city average |
| Uninsured Drivers Rate | B | Lower than state average |
| Average Claim Size | B- | Slightly above average |
| Vehicle Theft Rate | C | Moderate theft rate |
Understanding these rates can help you find more affordable options for insuring young drivers and potentially reduce the overall cost of their insurance coverage.
Furthermore, you can explore discounts specifically for teens, such as good student discounts or safe driving programs, which can further lower the premiums. Many insurers also offer telematics programs that track driving behavior, providing additional savings for responsible young drivers.
By actively managing your family’s coverage, you can strike a balance between adequate protection and affordability. Regularly reviewing your policy and comparing rates can ensure you’re maximizing discounts while still maintaining comprehensive coverage for every member of your household.
Cheap Queens Village, New York Auto Insurance by Credit History
Credit history dramatically impacts the cost of auto insurance. Compare how rates vary by credit history among the cheapest auto insurance companies in Queens Village, New York.
Insurers often use credit scores as a predictor of risk, with lower credit scores typically leading to higher premiums.
A strong credit history can help you secure more favorable rates, as it signals to insurers that you are a lower risk. Conversely, a poor credit history may result in higher costs due to the perceived risk of potential claims.
Uncover affordable auto insurance rates from the top providers by entering your ZIP code below.
Queens Village, New York Auto Insurance Monthly Rates by Provider & Credit Score
| Insurance Company | Bad Credit | Fair Credit | Good Credit |
|---|---|---|---|
| $1,058 | $587 | $491 |
| $960 | $540 | $440 |
| $985 | $550 | $450 |
| $510 | $375 | $337 |
| $1,507 | $982 | $732 |
| $705 | $705 | $705 |
| $949 | $449 | $320 |
| $1,024 | $643 | $511 |
| $1,046 | $620 | $525 |
| $904 | $462 | $406 |
To ensure you’re getting the best deal, compare auto insurance rates in Queens Village by credit history and explore options for improving your credit score. Regularly reviewing your insurance rates in relation to your credit history can help you find the most affordable coverage available.
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Cheap Queens Village, New York Auto Insurance Rates by Commute
Commute length and annual mileage are vital factors that affect auto insurance rates in Queens Village, New York. Discover the cheapest monthly auto insurance based on these factors.
Longer commutes and higher annual mileage often lead to higher insurance premiums due to the increased risk of accidents. Conversely, shorter commutes and lower mileage can result in more affordable rates as the risk is perceived to be lower.
Queens Village, New York Auto Insurance Monthly Rates by Provider & Annual Mileage
| Insurance Company | 6,000 Miles | 12,000 Miles |
|---|---|---|
| $702 | $722 |
| $680 | $700 |
| $650 | $670 |
| $397 | $418 |
| $1,042 | $1,105 |
| $705 | $705 |
| $573 | $573 |
| $698 | $754 |
| $730 | $730 |
| $585 | $597 |
To find the most cost-effective insurance, compare monthly rates based on your specific commute and mileage. Adjusting your driving habits or exploring insurance options that offer discounts for lower mileage can also help reduce your overall costs.
Queens Village, New York Auto Insurance Quotes
Before you buy Queens Village, New York auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free quotes.
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Each insurance company may offer unique discounts or benefits that could significantly impact your overall costs. These can include safe driver discounts, bundling options, or loyalty rewards, which can lower premiums substantially.
Queens Village, New York Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Total Accidents Per Year | 3,200 |
| Total Claims Per Year | 2,800 |
| Average Claim Size | $7,200 |
| Percentage of Uninsured Drivers | 12% |
| Vehicle Theft Rate | 150 thefts/year |
| Traffic Density | High |
| Weather-Related Incidents | Medium |
When comparing quotes, be sure to review all available offers to maximize your savings and ensure you’re getting the best value for your coverage.
Additionally, comparing rates helps you understand the market better and ensures that you’re getting the best deal tailored to your specific needs and driving profile, including potential car insurance discounts that could further reduce your premiums.
Frequently Asked Questions
What factors most affect auto insurance rates in Queens Village, NY?
Several factors impact auto insurance rates in Queens Village, NY, including driving history, credit score, age, gender, vehicle type, and annual mileage. Additionally, ZIP code-specific data, like local accident and crime rates, can influence premiums (Read more: How Annual Mileage Affects Your Auto Insurance Rates)
Which providers offer the best discounts for Queens Village drivers?
Insurers like State Farm, Erie, and AAA offer various discounts for Queens Village drivers, including multi-policy bundling, safe driver rewards, and discounts for students or military personnel.
Get started on comparing total coverage auto insurance rates by entering your ZIP code below.
How can drivers in Queens Village find cheaper auto insurance rates by adjusting their coverage?
Queens Village drivers may lower their rates by opting for higher deductibles, reducing coverage on older vehicles, or customizing their policies to reflect their actual mileage and driving habits.
When quoting auto insurance rates by ZIP code, it’s essential to consider that premiums may vary significantly based on local factors, including the area’s accident rates and crime statistics.
What’s the importance of A.M. Best ratings for insurance providers?
A.M. Best ratings assess an insurer’s financial stability, crucial for knowing they can handle claims. Queens Village drivers should consider these ratings when selecting an insurer for reliable support.
What are the main benefits of adding collision and comprehensive coverage?
While liability is required in New York, adding collision and comprehensive coverage can protect against vehicle damage due to accidents, weather, or theft—helpful for Queens Village drivers in high-traffic or high-theft areas.
What auto insurance options are best for young drivers in Queens Village?
Young drivers can benefit from discounts, such as good student and safe driving programs, and might find better rates by being added to a family policy instead of a standalone policy.
Understanding the types of auto insurance coverage and thoroughly evaluating your options will help you secure the best policy tailored to your needs.
How does credit score influence auto insurance rates in Queens Village?
A strong credit score can signal lower risk to insurers, often resulting in reduced premiums, while lower scores may increase rates. Improving credit can be a strategic way to save on premiums.
Are there specific discounts for drivers with low annual mileage in Queens Village?
Yes, low-mileage drivers may qualify for usage-based insurance discounts or pay-per-mile plans, which can significantly reduce costs for those who drive less frequently. Find your cheapest auto insurance quotes by entering your ZIP code below into our free comparison tool.
How can drivers ensure they’re adequately covered for uninsured drivers in Queens Village?
Adding uninsured/underinsured motorist coverage can protect Queens Village drivers in case of accidents with uninsured drivers, covering medical expenses and vehicle damage.
It’s especially important to consider how well the company handles claims related to comprehensive auto insurance, as this coverage can protect you from risks beyond collisions.
What should drivers consider when selecting a deductible amount?
Higher deductibles can lower monthly premiums but mean more out-of-pocket costs during a claim. Queens Village drivers should consider their financial capacity for out-of-pocket costs when choosing a deductible.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.