Queens Auto Insurance

Last Updated on January 21, 2026

Driving in Queens, New York often means dense traffic, frequent stop-and-go commuting, and plenty of street parking. Add in winter weather, potholes, and higher repair costs in the metro area, and having the right auto insurance matters.

This guide breaks down New York’s required coverages, what car insurance can cost in Queens, and how to choose protection that fits how (and where) you drive.

Queens Auto Insurance at a Glance

State Minimums Are a Starting Point: New York requires several coverages, but the minimum limits can be low compared with real-world medical and repair bills.
Rates Can Swing by ZIP Code: Even within Queens, pricing can change based on garaging location, theft/claim history, and how much you drive.
Higher Liability Often Makes Sense: If you have savings, a home, or steady income, higher liability (and added UM/SUM) can better protect your assets.
Local Agents Help With Details: Queens-based agents can explain NY no-fault rules, add the right endorsements, and troubleshoot registration/ID-card issues.

Table Of Contents

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

New York Auto Insurance Requirements

New York requires multiple auto coverages to register and legally operate most vehicles. Requirements and definitions can change over time, so it’s smart to confirm the latest limits before you buy or renew.

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

Source: NY DMV — New York State Insurance Requirements

What These Coverages Do

Bodily Injury Liability helps pay for injuries you cause to others. In a serious crash, minimum limits can be used up quickly, which is why many Queens drivers choose higher limits.

Property Damage Liability helps pay for damage you cause to someone else’s car or property. With today’s repair and replacement costs, $10,000 can be tight.

No-Fault (PIP) helps cover medical bills and certain economic losses for you and eligible passengers after a crash, regardless of fault (up to the policy limit). Many people add more protection depending on household needs.

Uninsured Motorist helps protect you if you’re hit by a driver with no insurance (or in some cases hit-and-run) for bodily injury-related losses, up to your limits.

Death Liability is part of New York’s required liability structure and addresses fatalities from an at-fault crash, with higher required limits than non-fatal bodily injury.

How Much Does Car Insurance Cost in Queens?

Queens pricing depends on your exact ZIP code, where the vehicle is garaged, driving record, vehicle type, mileage, and coverage choices. Even small changes (deductibles, rental coverage, adding a driver) can move the premium.

As of January 2026, New York City-wide rate studies show minimum coverage around $882/year (about $74/month) and full coverage around $5,525/year (about $460/month). Queens-specific quote studies often show lower “starting” prices for some driver profiles, but your actual quote can be higher or lower.

Coverage Level	Typical Monthly Range	Typical Annual Range
Minimum Coverage (NY Required Limits)	$74–$85+	$882–$1,020+
Full Coverage (Liability + Comprehensive + Collision)	$181–$460+	$2,172–$5,525+

Rate sources include NerdWallet’s January 2026 NYC analysis and Queens quote-estimate studies (accessed January 2026). Prices are estimates and will vary by driver and vehicle.

Good to know: If you park on the street often, consider a strong comprehensive deductible and limits—this is the part of a full coverage policy that can help with theft, vandalism, glass, and weather-related damage.

Recommended Coverage for Drivers in Queens

Minimum coverage keeps you legal, but it may not keep you financially safe in a high-cost area. Many Queens drivers choose a stronger baseline—especially if they commute frequently, carry passengers, or have assets to protect.

Consider Higher Liability Limits: A common step-up is 100/300/100 (or higher), especially if you own property or have significant savings.
Look at UM/SUM Options: Uninsured motorist is required at minimum limits; adding supplemental protection (often called SUM) can provide stronger backup if another driver’s insurance is insufficient.
Add Collision and Comprehensive if Your Car Has Value: If your vehicle would hurt to replace out of pocket—or you finance/lease—full coverage is usually the safer play.
Choose Deductibles You Can Actually Pay: A higher deductible can lower premiums, but only if you can comfortably cover it after a claim.
Helpful Add-ons for City Driving: Rental reimbursement, roadside assistance, and new-car replacement (if eligible) can be worthwhile in Queens.

Good to know: Bundling auto with renters or homeowners insurance and enrolling in a safe-driving/telematics program are two of the most common ways Queens drivers lower premiums—if the program fits your driving habits.

Best Car Insurance Companies for Queens

The “best” insurer depends on what you value most—price, claims handling, local agent support, or coverage options. Start with a few quotes, then compare coverages apples-to-apples (limits, deductibles, and endorsements).

Company	Best for	Why it’s good	Watch-outs
Progressive	Comparing discounts	Often competitive pricing with flexible coverage add-ons	Rates can jump after violations/claims; compare renewals
GEICO	Online-first shoppers	Strong digital tools and frequently competitive premiums	Less local agent hand-holding than some carriers
State Farm	Agent support	Large local agent network across Queens and NYC	Not always the cheapest for every driver profile
Travelers	Well-rounded coverage	Good mix of coverage options and claims support	Pricing varies a lot by ZIP and vehicle
Allstate	Bundling policies	Good for multi-policy households and certain discount stacks	Can be pricey without discounts; shop multiple carriers
New York Central Mutual	New York-focused coverage	Regional familiarity and often competitive NY pricing	Availability can vary; not always best for every borough
Liberty Mutual	Customizable options	Many optional coverages and bundling possibilities	Compare deductibles and endorsements carefully
Nationwide	Working with local agents	Solid coverage choices with agent guidance available	Quote comparisons matter—pricing varies widely
Erie	Value-minded drivers	Often strong value when available for your profile	Not available in every situation; check eligibility
USAA	Military families	Consistently strong satisfaction for eligible members	Eligibility restrictions apply

Best Auto Insurance Agents in Queens

If you prefer guidance, a local agent can help you match NY no-fault rules to your situation, compare deductibles, and ensure your policy documents line up with registration requirements.

Agency	Address	Phone	Website	Why they’re a good fit
LJ Insurance Agency Inc.	127-03 Rockaway Blvd, South Ozone Park, NY 11420	(516) 218-1161	ljinsuranceagency.com	Local Queens agency with multiple neighborhood locations and broad quote support.
Maria Lucic Ins Agcy Inc (State Farm)	116-19 Queens Boulevard, Forest Hills, NY 11375-6533	(718) 268-2200	marialucic.com	Strong local presence for drivers who want an in-person agent relationship.
Brian Downes Ins Agcy Inc (State Farm)	195-19 Northern Boulevard, Flushing, NY 11358-3034	(718) 357-6000	briandownesagency.com	Good option for Flushing-area drivers seeking multilingual support and policy reviews.
Don Enga Insurance Agency Inc (State Farm)	216-18 Jamaica Ave, Queens Village, NY 11428-2121	(718) 468-6500	donengaagency.com	Helpful for Queens Village drivers who want guidance on coverage structure and discounts.
Mariel Dominguez Ins Agcy Inc (State Farm)	96-62 Queens Blvd, Rego Park, NY 11374-3850	(718) 806-1123	thequeensagent.com	Convenient for central Queens drivers who want hands-on service and quick policy changes.
Jonathan Z. Ginsberg (Nationwide)	21951 Jamaica Avenue, Queens Village, NY 11428	(718) 464-0777	Nationwide agent page	Good for drivers who want help comparing coverage options and explaining endorsements.
B N P Coverage Inc. (Nationwide)	21622 Jamaica Ave, Queens Village, NY 11428	(718) 217-7000	Nationwide Queens Village listings	Useful for shoppers who want an agency-style experience with multiple insurance lines.

FAQs on Auto Insurance in Queens, NY

What’s the minimum car insurance required in Queens, NY?

Queens follows New York State requirements. At a minimum, you’ll need liability coverage, no-fault (PIP), and uninsured motorist bodily injury coverage. Many drivers choose higher limits because the required minimums can be quickly exhausted after a serious accident.

Is car insurance more expensive in Queens than elsewhere in New York?

It can be. Dense traffic, higher claim frequency, theft risk, and higher repair costs in the NYC area often push premiums up. Even within Queens, rates can change significantly by ZIP code.

Does my Queens ZIP code really affect my premium?

Yes. Insurers price policies partly based on garaging location, local claim trends, and theft/vandalism risk. Moving a few miles (or changing where the car is parked overnight) can change your quote.

Do I need full coverage in Queens?

If you finance or lease your vehicle, full coverage (comprehensive and collision) is usually required by the lender. Even if you own your car outright, full coverage can make sense if you’d struggle to replace or repair it out of pocket.

How can I lower my car insurance rate in Queens?

Compare multiple quotes, raise deductibles (only if you can pay them), bundle with renters/homeowners, ask about safe-driver programs, and keep coverage consistent (avoiding lapses). Also confirm all drivers, garaging address, and mileage are accurate—small errors can inflate pricing.

What is NY no-fault (PIP) and does it cover passengers?

No-fault (PIP) helps cover medical expenses and certain economic losses for eligible injured people, regardless of who caused the crash, up to your policy limit. In many cases it can apply to eligible passengers, too, depending on the situation.

If I drive for Uber, Lyft, or delivery apps in Queens, do I need special insurance?

Often, yes. Personal auto policies may limit or exclude coverage while driving for pay. Many drivers add a rideshare endorsement or use a policy designed for that work so there’s no gap between personal driving and app-on time.

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Queens Auto Insurance