Freeport Auto Insurance

Last Updated on January 21, 2026

Looking for auto insurance in Freeport, New York? Whether you’re commuting on busy Long Island roads, parking in tighter lots, or dealing with winter weather and slick conditions, the right coverage is about protecting your budget from the “what ifs.”

Below you’ll find New York’s required minimums, what prices often look like in the area, and practical tips for choosing coverage that fits how you drive in and around Freeport.

Freeport Auto Insurance at a Glance

NY Minimums Matter: New York requires liability, No-Fault (PIP), and uninsured motorist coverage—minimum limits are a starting point, not a “best fit” for everyone.
Typical Local Pricing: Rates in Freeport can vary widely by ZIP code, driving record, vehicle, and coverage level—shopping quotes side-by-side is key.
Full Coverage vs. Liability-Only: If your car is financed/leased, “full coverage” (comprehensive + collision) is often required by the lender.
Easy Savings Levers: Deductibles, bundling, anti-theft features, and mileage/usage-based programs can make a noticeable difference over a year.

Table Of Contents

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

New York Auto Insurance Requirements

New York’s required auto insurance coverages are set statewide. Exact rules and limits can change, so it’s smart to confirm requirements before you buy or renew.

Coverage	NY State Minimum (Typical Requirement)
Bodily Injury Liability	$25,000 per person / $50,000 per accident (injury)
Death Liability	$50,000 per person / $100,000 per accident (death)
Property Damage Liability	$10,000 per accident
No-Fault (PIP)	$50,000 per person
Uninsured Motorist (BI)	$25,000 per person / $50,000 per accident

Official reference: https://dmv.ny.gov/insurance/insurance-requirements

Bodily Injury Liability helps pay for injuries you cause to others in an at-fault crash. Many drivers choose higher limits because medical bills can climb fast.

Property Damage Liability helps cover damage you cause to someone else’s vehicle or property. With modern repair costs, higher limits often provide better peace of mind.

No-Fault (PIP) helps cover medical expenses (and certain related costs) for you and your passengers after an accident, regardless of fault, up to your limit.

Uninsured Motorist helps protect you if you’re hit by a driver who doesn’t have insurance (or in certain hit-and-run situations). Many drivers add extra protection with higher limits or supplemental options where available.

How Much Does Car Insurance Cost in Freeport?

As of January 2026, published estimates for Freeport show wide variation depending on coverage level and driver profile. One local-average estimate puts Freeport around $206/month (about $2,472/year) overall, while other ZIP-based estimates suggest liability-only can be notably lower and full coverage higher.

Coverage Level	Estimated Monthly	Estimated Annual
Minimum / Liability-Only (estimate)	~$84/mo	~$1,008/yr
Full Coverage (Comp + Collision) (estimate)	~$180/mo	~$2,160/yr
Overall Average (published local estimate)	$206/mo	$2,472/yr

Why prices vary so much in Freeport: insurers weigh factors like your ZIP code, claims history in the area, theft/repair costs, how much you drive, your vehicle, your driving record, and (where permitted) insurance/credit-based factors. The fastest way to find your “real” price is to compare quotes with the same coverage and deductibles.

Good to know: When comparing quotes, keep the same liability limits, deductibles, and optional coverages across every insurer—otherwise you’re not comparing apples to apples.

Recommended Coverage for Drivers in Freeport

New York’s minimum limits can be enough to register a vehicle, but many Freeport drivers choose stronger protection—especially with higher traffic density, higher repair costs, and the potential for serious injury claims.

Consider Higher Liability Limits: A common upgrade is 100/300 bodily injury and $100,000 property damage (or higher) if your budget allows.
Add Comprehensive + Collision for Vehicle Protection: If your car is newer, financed, leased, or simply expensive to repair, full coverage can help you avoid large out-of-pocket costs after theft, weather damage, or a collision.
Choose a Deductible You Can Actually Pay: A higher deductible often lowers premiums, but make sure it’s an amount you could handle quickly after a loss.
Protect Yourself Beyond Minimums: Ask about higher uninsured/underinsured motorist options (often called supplemental UM/SUM) and consider an umbrella policy if you have significant assets.
Don’t Skip the Practical Add-Ons: Rental reimbursement and roadside assistance can be useful if your car is your daily driver.

Good to know: If you raise your deductible to save money, stash that deductible amount in a “car emergency” fund so a claim doesn’t turn into a financial scramble.

Best Car Insurance Companies for Freeport

“Best” depends on what you value most—price, claims service, digital tools, or personalized guidance. These are solid starting points for Freeport drivers to compare.

Company	Best for	Why it’s good	Watch-outs
GEICO	Competitive pricing	Often strong rates for clean drivers; easy online quoting and policy management	Rates can jump after incidents; coverage options vary by profile
Progressive	Drivers who like flexible pricing tools	Good for comparison-style shoppers and many driver types; strong online tools	Final pricing depends heavily on driver/vehicle details
State Farm	Agent support + broad availability	Large network and strong coverage lineup; helpful for bundling	Not always the lowest price for every profile
Travelers	Drivers wanting robust coverage options	Solid add-ons and policy customization; good fit for higher-limit shoppers	May price higher for some younger or higher-risk drivers
Allstate	Personalized guidance	Agent-based help, bundling opportunities, and many discount paths	Premiums can be higher depending on ZIP and claim history
Liberty Mutual	Bundling and customization	Good coverage menu and discount opportunities for multi-policy households	Discounts and base rates vary a lot by driver profile
Nationwide	Stable coverage for households	Good for multi-car/multi-policy setups; often competitive for experienced drivers	Availability and pricing can vary by neighborhood
New York Central Mutual	NY-focused carrier option	Regional familiarity; can be competitive for certain NY drivers	Agent access and pricing can differ widely by area

Best Auto Insurance Agents in Freeport

If you prefer help reviewing options (or want an advocate at renewal time), a local agent can be a good move. Here are verified agencies and agents serving Freeport.

Agency	Address	Phone	Website	Why they’re a good fit
Ken Dookram (State Farm)	49 W Merrick Road, Freeport, NY 11520-3709	516-378-4466	https://www.kendookram.net	Established local office with personalized coverage reviews and help bundling policies
Lilian Rodriguez (Allstate)	386 Atlantic Ave, Freeport, NY 11520	(516) 489-6900	https://agents.allstate.com/lilian-rodriguez-freeport-ny.html	Strong for drivers who want an agent-led quote and support in English/Spanish
William Bonomo (Allstate)	149 W Merrick Rd, Freeport, NY 11520	(516) 868-7900	https://agents.allstate.com/william-bonomo-freeport-ny.html	Helpful for reviewing discounts, bundling, and coverage changes at renewal
Luis Curo (Allstate)	42 E Sunrise Hwy, Ste A, Freeport, NY 11520	(516) 570-7592	https://agents.allstate.com/luis-curo-freeport-ny.html	Good option if you want quick local contact for quotes and policy questions
AMERICAN AGENCY INC. Insurance	140 S Ocean Ave Suite 1, Freeport, NY 11520	(516) 379-3600	https://www.americanagency.com	Independent agency approach—useful if you want multiple-carrier comparisons
Richard Burg Insurance	200 W Sunrise Hiway 3rd Fl, Freeport, NY 11520	(516) 495-5491	https://www.progressiveagent.com/local-agent/new-york/freeport/richard-burg-insurance/	Good for shoppers who want an agent to compare carriers and explain coverage trade-offs

FAQs on Auto Insurance in Freeport, NY

What are the minimum car insurance requirements in New York?

New York generally requires liability (bodily injury and property damage), No-Fault/PIP, and uninsured motorist bodily injury coverage. Minimum limits are commonly shown as 25/50/10 for liability, plus $50,000 PIP and 25/50 uninsured motorist. New York also specifies separate minimums tied to fatalities (death liability).

Is full coverage required in Freeport, NY?

Full coverage (comprehensive + collision) isn’t required by New York State for registration, but it’s commonly required by lenders and leasing companies. Even when it’s optional, many drivers choose it to protect their vehicle from theft, weather damage, and at-fault collisions.

Why is my Freeport car insurance quote different from my neighbor’s?

Even within the same town, insurers price by ZIP code and driver details—vehicle, mileage, driving record, claims history, chosen deductibles/limits, and household factors. Two people can live blocks apart and still receive very different premiums.

How can I lower my car insurance premium in Freeport?

Start by comparing quotes with identical coverages. Then look at raising deductibles (if you can comfortably pay them), bundling home/renters, asking about safe-driver and low-mileage programs, confirming discounts (multi-car, student, safety features), and removing coverages you no longer need on older vehicles.

What does No-Fault (PIP) cover in New York?

No-Fault/PIP helps pay medical expenses and certain related costs for you and your passengers after an accident, regardless of fault, up to your policy limit. Optional add-ons may increase protection beyond the basic required limit.

Do I need uninsured/underinsured motorist coverage in NY?

Uninsured motorist coverage is required in New York and helps protect you if you’re injured by an uninsured driver or certain hit-and-run situations. Many drivers also consider higher limits or supplemental options for stronger protection.

What happens if my NY auto insurance policy lapses?

In New York, keeping continuous insurance is important to maintain registration. A lapse can lead to registration and license consequences and may also raise your future premiums. If you’re changing insurers, try to avoid any gap in coverage.

Lower your New York car insurance costs

Freeport Auto Insurance