Hempstead Auto Insurance

Last Updated on January 20, 2026

Auto insurance in Hempstead, New York isn’t one-size-fits-all. Between everyday local errands, commuting across Long Island, and seasonal weather that can make roads slick, it helps to understand what coverage you need and what you’re likely to pay.

Below you’ll find New York’s required coverages, real-world pricing benchmarks for Hempstead, and a shortlist of insurers and agents to help you shop confidently.

Hempstead Auto Insurance at a Glance

State Minimums Are Only a Starting Point: New York requires liability, no-fault (PIP), and uninsured motorist coverage, but many drivers choose higher limits for better protection.
Costs Can Swing by ZIP Code: Rates in and around Hempstead can vary widely based on location, vehicle, driving history, and coverage level.
Full Coverage Often Makes Sense for Newer Cars: If you finance or lease, collision and comprehensive are typically required—and they can be valuable even when not required.
Shopping Quotes Matters: The same driver profile can price differently across insurers, so comparing multiple carriers is one of the quickest ways to save.

Table Of Contents

New York Auto Insurance Requirements
How Much Does Car Insurance Cost in Hempstead?
Recommended Coverage for Drivers in Hempstead
Best Car Insurance Companies for Hempstead
Best Auto Insurance Agents in Hempstead
FAQs on Auto Insurance in Hempstead, NY

New York Auto Insurance Requirements

New York’s auto insurance requirements apply statewide, including Hempstead. Exact rules and minimum limits can change, so it’s smart to double-check official guidance when you renew or register a vehicle.

Required Coverage	New York Minimum Limit (Typical)
Bodily Injury Liability	$25,000 per person / $50,000 per accident
Death Liability	$50,000 per person / $100,000 per accident
Property Damage Liability	$10,000 per accident
No-Fault (PIP)	$50,000 per person (basic no-fault)
Uninsured Motorist (Bodily Injury)	$25,000 per person / $50,000 per accident

Source: New York State DMV insurance requirements: https://dmv.ny.gov/insurance/insurance-requirements

What these coverages do (plain English):

Bodily Injury & Death Liability: Helps pay for injuries (and, separately, fatality-related liability) to others when you’re at fault. Medical costs and lawsuits can exceed minimums quickly, so many Hempstead drivers choose higher limits.
Property Damage Liability: Helps pay for damage you cause to someone else’s vehicle or property. With today’s repair costs, $10,000 can be used up fast.
No-Fault (PIP): Pays for certain medical bills and related expenses for you and eligible passengers regardless of fault, up to the PIP limit.
Uninsured Motorist: Helps protect you if you’re injured by a driver with no insurance (or in some hit-and-run situations), up to the UM limit.

How Much Does Car Insurance Cost in Hempstead?

Pricing depends heavily on the driver and the vehicle, but local benchmarks can help you ballpark a budget. As of January 2026, published quote comparisons for Hempstead show wide ranges for both minimum coverage and full coverage.

Coverage Level	Typical Monthly	Typical Annual	Notes
Minimum Coverage (Liability-Only)	About $84–$245/mo	About $1,008–$2,940/yr	Often the lowest legal option; doesn’t cover your own car’s damage in most cases.
Full Coverage (Liability + Comp/Collision)	About $179–$562/mo	About $2,148–$6,744/yr	Common for financed/leased cars; better protection, but higher premium.
Full Coverage Benchmark (City Average)	About $292.50/mo	About $3,510/yr	A published average for Hempstead; your quote may be higher or lower.

Why Hempstead rates vary: Insurers price by ZIP code and local risk patterns, plus your driving record, claims history, vehicle type, annual mileage, deductibles, and selected limits. Even with the same basics, two drivers in Hempstead can see very different quotes.

Rate sources: VIU by HUB (Hempstead) and Way.com (Hempstead).

Good to know: If you take a NY-approved defensive driving course, many insurers apply a discount for a set period—ask whether it stacks with other discounts on your policy.

Recommended Coverage for Drivers in Hempstead

State minimums can keep you legal, but they may not keep you financially safe after a serious crash. Here are practical coverage choices many Hempstead drivers consider when building a policy.

A Practical “Everyday Driver” Baseline

Higher Liability Limits: If your budget allows, increasing bodily injury and property damage limits is often the biggest protection upgrade you can buy.
Collision & Comprehensive: Recommended for newer vehicles and commonly required for financed/leased cars. Choose deductibles you could comfortably pay at short notice.
Supplemental UM/UIM (Often Called SUM in NY): If available, higher UM/UIM limits can matter in a serious injury claim—especially if the other driver has minimal coverage.
Rental Reimbursement: Useful if your household relies on one vehicle and you’d need a rental while yours is being repaired.

If You Commute Frequently

More time on the road typically means more exposure to accidents. Consider higher liability limits, uninsured motorist protection, and lower deductibles if you need repairs handled quickly.

If You Have a Newer Car or Loan/Lease

Keep comprehensive and collision, and ask about gap coverage if you owe more than the car’s value. This can be especially relevant early in a loan or lease.

Good to know: Raising deductibles can lower your premium, but only choose a deductible you could pay without stress if a claim happens tomorrow.

Best Car Insurance Companies for Hempstead

There’s no single “best” insurer for every driver in Hempstead—pricing and claims experience can vary by profile. The table below highlights popular options and what they’re commonly known for.

Company	Best for	Why it’s good	Watch-outs
New York Central Mutual (NYCM)	Value-focused NY drivers	Often competitive pricing in New York; solid option to compare when shopping.	Availability and rates can vary by driver profile and vehicle type.
Progressive	Drivers who like online tools	Strong digital experience and broad coverage options; can price well for many profiles.	Final price can change a lot based on driving record and prior insurance history.
GEICO	Simple, straightforward policies	Well-known for competitive pricing and easy online management.	Local agent support may be more limited compared to some carriers.
State Farm	Drivers who want an agent relationship	Large agent network and strong bundling options for households.	Can be less competitive for some high-risk profiles—always compare.
Travelers	Drivers who want coverage customization	Good menu of optional coverages and endorsements.	Pricing can vary widely by neighborhood and vehicle.
Allstate	Drivers who value agent support	Strong local agent presence and policy add-ons.	Premiums can run higher for certain profiles—shop around.
Liberty Mutual	Bundlers and coverage add-ons	Lots of optional coverages and discounts depending on eligibility.	Discount availability varies; confirm final price after underwriting.
Nationwide	Drivers who want a full insurance lineup	Broad product offerings; convenient if you bundle multiple policies.	Not always the lowest-priced option—compare quotes.
Erie	Service-oriented shoppers	Often praised for customer experience and strong coverage options.	Availability can be limited depending on location and eligibility.
USAA	Military members and eligible families	Frequently competitive rates and strong service for eligible drivers.	Eligibility restrictions apply.

Best Auto Insurance Agents in Hempstead

If you prefer working with a person—or you want someone to shop multiple carriers—local agents can help compare coverage details, discounts, and deductibles side-by-side.

Agency	Address	Phone	Website	Why they’re a good fit
Remco Agency	14 Front St, Suite 318, Hempstead, NY 11550	(516) 488-3040	remcoagency.com	Independent-style support with a local Hempstead office; helpful for comparing multiple options.
NFB Insurance (North Franklin Brokerage)	13 N Franklin St, Hempstead, NY 11550	(516) 564-5656	nfbinsurance.com	Local office with personal and commercial lines; good for households that want to bundle.
DCAP Insurance	33 Main St, Hempstead, NY 11550	(516) 538-3227	dcapinsurance.com	Good option if you want bilingual support and a storefront-style agency.
Community Brokerage	84 N Franklin St, Hempstead, NY 11550	(516) 565-1600	communitybrokerage.com	Independent agency approach; can be useful for shoppers who want multiple quotes.
State Farm Agent Danny Trujillo	727 Fulton Avenue, Hempstead, NY 11550	(516) 743-9099	agentdanny.com	Good for drivers who prefer a dedicated agent relationship and bundling options.
State Farm Agent Ana Perez-Vukovic	80 Front Street, Hempstead, NY 11550	(516) 481-4440	anaperez-vukovic.com	Helpful for policyholders who want local service and a guided coverage review.
Allstate Agent Maria Judy Gonzalez	80 Clinton St, Ste A, Hempstead, NY 11550	(516) 206-1080	Allstate agent page	Good for drivers who want in-person style support with a major national carrier.
Nationwide Agent Nicholas Vaglica	34 Hempstead Ave, Hempstead, NY 11550	(516) 268-3100	Nationwide agent page	Convenient if you’re bundling auto with other Nationwide products and want agent service.

FAQs on Auto Insurance in Hempstead, NY

What is the minimum car insurance required in Hempstead, NY?

Hempstead follows New York State requirements: liability coverage (including separate death liability limits), no-fault (PIP), and uninsured motorist coverage. Many drivers buy higher limits than the minimums for better financial protection.

Is New York a no-fault state, and what does PIP do?

Yes. New York’s no-fault system means your own PIP (personal injury protection) can pay certain medical and related expenses for eligible injuries regardless of who caused the crash, up to your PIP limit.

Do rates in Hempstead change by ZIP code?

Yes. Insurers commonly rate by ZIP code and local loss trends, along with your driving record, vehicle, annual mileage, deductibles, and selected limits. Even nearby neighborhoods can price differently.

What’s the difference between minimum coverage and full coverage?

Minimum coverage usually refers to the state-required liability, PIP, and uninsured motorist protections. “Full coverage” typically means you add comprehensive and collision to help pay for damage to your own vehicle (often required if you finance or lease).

How can I lower my car insurance premium in Hempstead?

Common strategies include comparing quotes, raising deductibles (only if you can afford them), taking a defensive driving course (if eligible), asking about multi-policy or multi-car discounts, and keeping continuous coverage (avoiding lapses).

What happens if I drive without insurance in New York?

Driving uninsured can lead to serious penalties in New York, including registration and license suspension and additional fees. If you’re struggling to find coverage, ask an agent about options before your policy lapses.

Should I increase my liability limits above the minimum?

Often, yes—especially if you have savings, income to protect, or a newer vehicle. Medical bills and legal claims can exceed minimum limits quickly, and higher limits can be one of the most cost-effective upgrades on a policy.

Lower your New York car insurance costs

Hempstead Auto Insurance