Glen Cove Auto Insurance

Last Updated on January 22, 2026

Looking for car insurance in Glen Cove, New York? Whether you’re commuting around Nassau County, driving along the North Shore, or just running errands close to home, the right policy should meet New York’s rules and fit how (and how often) you drive.

Because weather, traffic patterns, repair costs, and claim frequency can vary across the state, Glen Cove drivers often benefit from comparing a few carriers and double-checking coverage limits—especially if you’re financing a vehicle or want stronger protection than the minimum.

Glen Cove Auto Insurance at a Glance

NY Minimums Are More Than “25/50/10”: New York also requires no-fault (PIP) and uninsured motorist coverage, and it includes a separate death liability requirement.
Prices Vary by ZIP And Driver Profile: Your garaging address, driving history, vehicle, and coverage choices can move quotes significantly—even within Long Island.
Full Coverage Is Often Worth Considering: If you finance or lease, you’ll likely need comp and collision; many owners keep them for repair-cost protection.
Discounts Add Up: Multi-policy bundling, safe-driver programs, and NY-approved defensive driving can help reduce premiums.

Table Of Contents

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

New York Auto Insurance Requirements

New York’s required auto insurance coverages and limits apply statewide, including in Glen Cove. Exact rules and program details can change, so it’s smart to confirm current requirements when shopping.

Coverage	NY Minimum Required 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 — Insurance Requirements.

What These Coverages Generally Do

Bodily Injury Liability: Helps pay for injuries you cause to others. Many drivers choose higher limits to better protect savings and income.
Property Damage Liability: Helps pay for damage you cause to someone else’s vehicle or property. Higher limits can matter if you hit a newer vehicle or cause multi-car damage.
No-Fault (PIP): Helps cover medical bills and certain related costs for you/your passengers after an accident, regardless of fault (up to the limit).
Uninsured Motorist: Helps protect you if you’re hit by a driver who doesn’t have insurance (or lacks enough) for bodily injury damages.
Death Liability: A separate required benefit in New York tied to fatal accidents (distinct from standard bodily injury liability wording).

Also note: New York policies commonly include other options (like comprehensive, collision, roadside, rental reimbursement, and higher PIP/UM limits). Many Glen Cove drivers increase limits above the minimum for stronger protection—especially with today’s repair and medical costs.

How Much Does Car Insurance Cost in Glen Cove?

As of May 2025, one published estimate puts average Glen Cove premiums around $84/month ($1,012/year) for minimum coverage and $156/month ($1,875/year) for full coverage. Separately, New York statewide averages are often higher (for example, one major rate study updated Nov 2025 cites about $148/month for state minimum and $341/month for full coverage). Your exact price can be meaningfully different based on your ZIP/garaging address, driving record, vehicle, deductibles, and selected limits.

Coverage Level	Estimated Monthly	Estimated Annual
Minimum Coverage (Glen Cove estimate)	$84/mo	$1,012/yr
Full Coverage (Glen Cove estimate)	$156/mo	$1,875/yr

Sources: AliasInsurance.com (Glen Cove estimates, updated May 2025) and Bankrate (NY statewide averages, updated Nov 2025).

Good to know: Run quotes using your exact Glen Cove garaging address (and realistic annual mileage). Small changes to ZIP/garaging, deductibles, and limits can shift pricing more than people expect.

Recommended Coverage for Drivers in Glen Cove

New York’s minimum coverage is a legal starting point, but it may not feel like enough protection after a serious crash. Here are practical coverage upgrades many Glen Cove drivers consider:

Higher Liability Limits: Many drivers choose limits such as 100/300 for bodily injury and at least 50,000 for property damage (or more), especially if you have savings or a higher income to protect.
Comprehensive + Collision: If your vehicle is financed/leased, these are typically required. Even if it’s paid off, they can help with repair/replacement costs after theft, weather damage, or an at-fault accident (subject to deductibles).
Stronger Uninsured/Underinsured Motorist: Matching UM limits closer to your liability limits can add peace of mind if the other driver can’t fully cover injuries.
PIP Options: Depending on your situation, you may want additional PIP benefits beyond the minimum (availability and options vary by insurer).
Rental Reimbursement & Roadside: Helpful add-ons if you rely on your vehicle for commuting and family logistics.

Good to know: If you raise liability limits, check your deductibles too—sometimes a slightly higher deductible can offset the cost of better limits without sacrificing the protection that matters most.

Best Car Insurance Companies for Glen Cove

The “best” insurer depends on what you value most—price, claims experience, digital tools, local agents, or special eligibility (like military service). Here are strong options commonly considered by drivers in Glen Cove and across New York.

Company	Best for	Why it’s good	Watch-outs
GEICO	Competitive pricing	Often strong rates and a streamlined online experience for many driver profiles	Rates can jump at renewal depending on changes in risk factors
Progressive	Drivers who like tools & discounts	Good quote tools and potential savings for certain profiles	Not always the cheapest for every ZIP/vehicle combination
State Farm	Local agent support	Large agent network and helpful for bundling home/renters with auto	Some drivers find better pricing by comparing multiple carriers
Allstate	Coverage customization	Good menu of add-ons and agent guidance for tailoring a policy	Can be pricier in some New York ZIP codes
Travelers	Bundling & broad options	Solid choice for drivers who want a wide range of policy options	Not available in every scenario; pricing varies widely by profile
New York Central Mutual	Regional value seekers	Often competitive in New York with a regional focus	Availability and agent access may vary by area
Erie	Service-oriented shoppers	Often strong reputation and solid coverage options through agents	Only sold through agents; not all drivers qualify in all areas
USAA	Military families	Typically excellent member satisfaction and competitive pricing (eligibility required)	Eligibility restricted to military members and qualifying family

Best Auto Insurance Agents in Glen Cove

If you prefer help choosing limits, comparing carriers, or handling policy changes, working with a Glen Cove-area agent can be a plus. Here are verified local options to start with.

Agency	Address	Phone	Website	Why they’re a good fit
C.A.M. Associates Inc. (Independent)	34 Forest Ave, Glen Cove, NY 11542	(516) 609-0444	caminsure.com	Independent-style support and multi-carrier shopping help for many drivers
Jo-Mil Insurance Agency Inc. (Independent)	80 Forest Ave, Glen Cove, NY 11542	(516) 671-6979	jo-mil.com	Local office with a long-running presence and broad personal lines focus
Paul Roman (State Farm)	39 Glen Street, 2nd Floor, Suite 1, Glen Cove, NY 11542-2792	(516) 676-4141	insuredbypaul.com	Good option if you want an agent-led quote and bundling guidance
Lucas Zelehowsky Ins Agcy Inc (State Farm)	21 Cedar Swamp Road, Suite B, Glen Cove, NY 11542-3755	(516) 671-3428	myagentlucas.com	Agent support for tailoring coverage, deductibles, and discounts
Bibi Baksh (Allstate)	86 Forest Ave, Fl 2, Glen Cove, NY 11542	(516) 671-4500	Allstate agent page	Helpful for shoppers who want guided coverage selection and add-ons
George Schlott (Allstate)	256 Glen St, Glen Cove, NY 11542	(516) 759-9500	Allstate agent page	Local office option for quotes, policy reviews, and coverage adjustments
Jaymar Insurance Agency	86 Forest Ave, Ste A, Glen Cove, NY 11542	(516) 605-2757	jaymarinsurance.com	Local independent agency option for comparing coverage approaches

FAQs on Auto Insurance in Glen Cove, NY

What is the minimum car insurance required in New York?

New York requires liability coverage (including a separate death liability requirement), no-fault (PIP), and uninsured motorist coverage. Minimum limits include 25/50 bodily injury, 10,000 property damage, 50,000 PIP, 25/50 uninsured motorist, and 50/100 death liability (limits shown in the requirements table above).

Is full coverage required in Glen Cove?

Full coverage (usually comprehensive + collision) is not required by New York law, but lenders and leasing companies typically require it. Even if your car is paid off, many drivers keep it to help cover repairs or replacement after theft, weather damage, or an at-fault crash.

Why can Glen Cove car insurance prices differ from other NY cities?

Rates can vary by location due to claim frequency, vehicle theft risk, repair costs, traffic density, and insurer rating factors tied to ZIP/garaging address. Your personal profile (driving record, age, vehicle, mileage, and coverage choices) matters just as much.

How can I lower my car insurance premium in Glen Cove?

Compare multiple carriers, ask about bundling (auto + home/renters), consider higher deductibles if you can afford the out-of-pocket cost, confirm all discounts (safe driver, good student, multi-car), and keep your mileage estimate realistic and accurate.

Does New York require uninsured motorist coverage?

Yes. New York requires uninsured motorist bodily injury coverage, generally at the same minimum limits as bodily injury liability (25/50). Many drivers choose higher UM limits for better protection if the other driver can’t pay for injuries.

What is no-fault (PIP) coverage in New York?

No-fault (PIP) helps pay certain medical expenses and related costs for you and your passengers after an accident, regardless of who caused it, up to the policy limit. New York requires at least 50,000 in PIP.

Can I use an out-of-state insurance policy to register a car in New York?

Generally, no. To register a vehicle in New York, your policy must be issued by an insurer licensed in New York and certified with the NY DMV. If you’re moving to Glen Cove, you’ll typically need to switch to a New York-compliant policy.

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Glen Cove Auto Insurance