Long Beach Auto Insurance

Last Updated on January 21, 2026

Shopping for auto insurance in Long Beach, New York means balancing everyday driving realities—commuting routes, busy local roads, parking, and changing weather that can impact claims and repair costs.

Below is a practical guide to New York’s minimum requirements, what drivers often pay in Long Beach, and how to choose coverage that fits your car, budget, and risk level.

Long Beach Auto Insurance at a Glance

New York Minimums Still Apply: Long Beach drivers must carry state-required liability and other mandatory coverages; many households choose higher limits for stronger financial protection.
Rates Depend on ZIP and Driver Profile: Premiums can shift based on garaging location, claims history, vehicle type, mileage, and credit-based insurance factors (where permitted).
“Full Coverage” Matters for Newer Cars: If you finance/lease—or want protection from theft, vandalism, and weather damage—comprehensive and collision are usually worth considering.
Local Agents Can Compare Options: Independent agencies in and around Long Beach can shop multiple carriers and help you avoid coverage gaps.

Table Of Contents

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

New York Auto Insurance Requirements

New York sets statewide minimum auto insurance requirements, but the exact limits and rules can change over time. Use the table below as a quick reference—and verify the latest official requirements before buying or renewing a policy.

Coverage	NY Minimum Limit (Statewide)
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	$25,000 per person / $50,000 per accident
Death Liability	$50,000 per person / $100,000 per accident

Source: New York State DMV — Insurance Requirements.

What these coverages do (plain English):

Bodily Injury & Property Damage Liability: Pays for injuries and property damage you cause to others. Because lawsuits and medical bills can add up quickly, many drivers pick higher limits than the minimum.
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 PIP limit).
Uninsured Motorist: Helps if you’re hit by a driver who doesn’t have insurance (limits and rules depend on your policy and state requirements).
Death Liability: Additional required liability limits tied to fatal injuries. It’s one reason minimum liability often isn’t enough to protect a household’s savings.

Bottom line: Minimum coverage keeps you legal, but it may not be enough after a serious crash. If your budget allows, higher liability limits plus solid uninsured motorist protection can provide meaningful peace of mind.

How Much Does Car Insurance Cost in Long Beach?

Long Beach car insurance pricing depends on your ZIP code (garaging location), driving record, vehicle, deductibles, and the coverages you choose. “Minimum coverage” is usually cheaper, while “full coverage” (typically liability + comprehensive + collision) costs more because it protects your vehicle, too.

As of January 2026, published estimates for Long Beach show the following typical costs (your quote may be higher or lower):

Coverage Level	Typical Monthly	Typical Annual	Notes
Minimum Coverage (Liability-Focused)	~$78/mo	~$936/yr	Budget option that meets state minimums; limited protection for your own car.
Full Coverage (Comp + Collision)	~$166/mo	~$1,992/yr	Common for financed/leased cars; deductible choice changes price.
Overall Average (All Drivers/Profiles)	~$146/mo	~$1,752/yr	Average varies by driver mix and methodology.

Rate sources: Compare.com (updated Jan 19, 2026) and Way.com local estimates. For reference: Compare.com – Long Beach, NY | Way.com – Long Beach, NY

Good to know: Run quotes with two deductible options (for example, $500 vs. $1,000). A higher deductible can lower your premium, but only choose a deductible you could comfortably pay after an accident.

Recommended Coverage for Drivers in Long Beach

A good policy isn’t just about the lowest price—it’s about protecting your finances if something expensive happens. In Long Beach, many drivers consider a blend of higher liability limits and solid physical-damage coverage (if the car is worth insuring).

Consider Higher Liability Limits: Moving beyond the minimum (for example, $100k/$300k or higher) can help protect your income and savings after a serious crash.
Add Comprehensive + Collision for Vehicle Protection: Comprehensive can help with theft, vandalism, falling objects, and certain weather losses; collision helps if you hit another car or object.
Choose Smart Deductibles: Many drivers balance premium savings with a deductible they could pay quickly (often $500–$1,000).
Don’t Skip Uninsured Motorist: If an uninsured driver hits you, this coverage can be a major safety net.
Helpful Add-Ons: Rental reimbursement (if you rely on your car daily), roadside assistance, and gap insurance (if you owe more than the car’s value).

Good to know: Avoid coverage lapses. Even short gaps can trigger higher premiums, and New York can impose penalties if required coverage isn’t maintained.

Best Car Insurance Companies for Long Beach

No single insurer is “best” for everyone. These are common picks in New York based on broad availability, coverage options, and customer experience—then you compare quotes to see which fits your driver profile and budget.

Company	Best for	Why it’s good	Watch-outs
Progressive	Rate shopping & discounts	Often competitive pricing, strong online tools, multiple deductible options.	Best price can depend heavily on driving record and ZIP.
GEICO	Simple, low-friction buying	Strong digital experience and often sharp pricing for clean drivers.	Coverage customization varies by policy and driver profile.
State Farm	Service & agent support	Large agent network, solid bundling options, strong claims reputation.	Sometimes higher premiums in certain NY ZIPs.
Travelers	Coverage options & bundles	Good add-ons, strong bundling for multi-policy households.	Rates vary widely based on vehicle and prior claims.
Allstate	Policy add-ons	Flexible coverages and discount programs depending on profile.	Premiums can be higher for some drivers without discounts.
New York Central Mutual	Regional NY drivers	NY-focused carrier with local market familiarity.	Availability and appetite can vary by vehicle/driver type.
Erie	Value with strong coverage	Often strong coverage value where available through agents.	Not available in every ZIP and typically sold via agents.
USAA	Military families	Consistently strong customer satisfaction and pricing for eligible members.	Eligibility restrictions apply (military/veteran families).

Best Auto Insurance Agents in Long Beach

Prefer working with a local agent? Here are agencies with a Long Beach presence that can help you compare options, adjust deductibles, and review gaps (like uninsured motorist or rental coverage).

Agency	Address	Phone	Website	Why they’re a good fit
Denis A. Miller Insurance Agency	28 E Park Ave, Long Beach, NY 11561	(516) 432-9245	denismillerinsurance.com	Independent, local office with personal lines focus; good for comparing multiple carriers.
Edwin J. O’Toole Insurance Agency Inc.	727 W Park Ave #A, Long Beach, NY 11561	(516) 764-7800	otooleinsurance.com	Local independent agency; helpful for shoppers who want guidance on limits and deductibles.
Meyerson-Roth Co Inc. (DCAP Insurance)	30-B W Park Ave, Long Beach, NY 11561	(516) 432-5800	yourcoverage.com	Long Beach-based agency with broad personal insurance offerings and service tools.
Weingrad Insurance Agency	670 Long Beach Blvd, Long Beach, NY 11561	(516) 887-4800	mweingrad.com	Convenient local option for drivers who prefer in-person help and policy reviews.
Mackoul Risk Solutions	214 W Park Ave, Suite 2, Long Beach, NY 11561	(516) 431-9100	mackoul.com	Local office with broad insurance capabilities; good for households that may also need umbrella coverage.
Hometown Atlantic Insurance	120 W Park Ave, Ste. 209, Long Beach, NY 11561	(516) 670-9305	hometownatlantic.com	Independent Long Beach agency; helpful for bundling and coverage reviews.
JIL Agency Ltd	1013 W Beech St, Long Beach, NY 11561	(516) 432-4800	jilagency.com	Independent agency option in Long Beach for drivers who want a local point of contact.

FAQs on Auto Insurance in Long Beach, NY

What is the minimum car insurance required in New York?

New York requires minimum liability coverage and other mandatory coverages (including no-fault/PIP and uninsured motorist). Minimum limits can change, so it’s smart to verify current requirements before renewing or switching policies.

Is no-fault insurance required in Long Beach, NY?

Yes. Long Beach follows New York’s statewide rules, which include required no-fault (PIP) coverage. PIP is designed to help pay medical expenses and certain related costs after an accident, regardless of who caused it.

How can I lower my car insurance rate in Long Beach?

Compare quotes from multiple insurers, consider raising deductibles (if you can afford the out-of-pocket cost), and ask about discounts like multi-policy bundling, safe-driver programs, and low-mileage options. Keeping continuous coverage and avoiding lapses can also help protect your rate.

Does comprehensive coverage protect against storm or flood damage?

Comprehensive coverage commonly helps with non-collision losses like theft, vandalism, falling objects, and certain weather-related damage. Flood damage is typically handled under comprehensive (subject to your policy terms and deductible), not liability-only coverage.

Do I need uninsured/underinsured motorist coverage if I already have health insurance?

Uninsured motorist coverage helps when an uninsured driver causes an accident and you have injuries or related losses. Health insurance may cover medical bills, but uninsured motorist can help with other damages and can reduce your financial exposure depending on the situation and policy terms.

What happens if my auto policy lapses in New York?

A lapse can lead to higher premiums, difficulty getting preferred pricing, and potential state penalties depending on the circumstances. If you’re switching insurers, align effective dates so your old policy ends the same day the new one starts.

Is it worth getting full coverage in Long Beach?

If your car is newer, financed/leased, or expensive to repair, full coverage (liability + comprehensive + collision) is often worthwhile. For older vehicles, you might compare the annual premium to the car’s value and choose deductibles and coverages accordingly.

Lower your New York car insurance costs

Long Beach Auto Insurance