Mineola Auto Insurance
Last Updated on November 7, 2026 by James Shaffer · Reviewed for accuracy by Daniel Major, licensed insurance agent (NPN 14733759)
Mineola drivers need the same policy as the rest of New York: liability of at least $25,000/$50,000 for injuries and $50,000/$100,000 for deaths, $10,000 of property damage liability, $50,000 of no-fault per person, and $25,000/$50,000 of uninsured motorist coverage, all from an insurer licensed in the state.
DMV crash records show which of those coverages get used most in the village. Of the 354 crash cases on file with Mineola as the reported location in 2024, 267 involved property damage only. This page looks at what that means for property damage and collision coverage, how a claim starts after a crash, and Mineola insurance offices checked in September 2026.
At a Glance
- What the crash records show: Of 354 crash cases with a Mineola location in 2024, 267 involved property damage only and another 66 involved both property damage and injury. That puts property damage liability and collision coverage at the center of most claims.
- No-fault deadlines: Written notice of a no-fault claim is due within 30 days of the accident, medical bills within 45 days, and lost-wage claims within 90 days.
- Police reports: Nassau County Police makes reports for crashes after April 1, 2012 available online. Its Records Bureau is at police headquarters in Mineola.
- DMV visits: The Garden City office at 400 Oak St is one of several in Nassau County. The DMV strongly encourages making a reservation.
Insurance Required for a Mineola Registration
The required coverages are the same in every county. The policy has to come from a New York-licensed insurer, because the DMV does not accept out-of-state insurance, and it has to stay in force for as long as the car is registered.
| Coverage | Minimum |
|---|---|
| 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 |
| Uninsured motorist (UM) | $25,000 per person / $50,000 per accident |
The DMV’s insurance requirements page lists the current limits. For what each coverage does in more depth, see our guide to New York car insurance laws and requirements.
What Mineola’s Crash Records Say About Coverage
The DMV publishes a file of crash cases that lists each crash’s reported municipality. For Mineola in 2024, it shows 354 cases:
| Reported Outcome | Crash Cases in 2024 |
|---|---|
| Property damage only | 267 |
| Property damage and injury | 66 |
| Injury only | 21 |
| Total | 354 |
By collision type, overtaking crashes accounted for 89 of the cases, rear-end crashes for 87, and right-angle crashes for 59. The source is the DMV’s Motor Vehicle Crashes case information file, which reflects crash reports on file with the DMV. It counts crashes reported in Mineola and says nothing about your own odds of having one.
Property Damage Liability and Collision Coverage
Property damage liability pays for other people’s cars and belongings when you are responsible for a crash, and the state minimum is $10,000 per accident. Repairs to a single newer vehicle can exceed that, and a crash that damages several cars draws on the same limit. Ask what a higher limit would add to your price.
Collision coverage is optional. The Department of Financial Services (DFS) says your own insurer pays you, without regard to fault, for damage to your car from a collision. A lender or leasing company may require it on a financed or leased car. Our guide to full coverage car insurance in New York explains how collision and comprehensive fit together.
Injuries and Drivers Who Carry Too Little
Eighty-seven of the 2024 Mineola cases involved an injury. No-fault pays medical bills and lost earnings up to $50,000 per person no matter who caused the crash. Beyond no-fault, DFS says you may sue the driver who caused the crash if you sustain a “serious injury” as defined in Section 5102(d) of the New York Insurance Law.
If the driver at fault has no insurance, the uninsured motorist coverage you are required to carry applies. If that driver has too little, or the crash happens outside New York, the optional SUM coverage is the one that responds. Its amount can’t exceed your bodily injury limits, and it is reduced by whatever you recover from the other party’s auto insurance. DFS explains the options on its optional auto coverage page.
After a Crash in Mineola
The order below keeps the deadlines from slipping:
- Exchange insurance information with the other driver, and note the responding officer’s name and the police report number.
- Tell your insurer about the crash as soon as you can, and ask how to open a no-fault claim if anyone was hurt.
- Send written notice of the no-fault claim within 30 days of the accident, and keep a copy.
- Get the police report. Nassau County Police makes reports for crashes after April 1, 2012 available online, and its online report page lets you search by report number or by name with the date or street location. The Records Bureau is at 1490 Franklin Avenue, Mineola, and reports are released only to people involved in the crash and certain relatives or representatives.
If another agency responded to the crash, ask that agency how to get its report. The DMV also sells copies of crash reports, and its crash report page explains the online and mail options.
No-Fault Deadlines
| What You Submit | Deadline |
|---|---|
| Written notice of the claim | No more than 30 days after the accident |
| Medical bills | 45 days |
| Lost-wage claims | 90 days |
Quick tip: Count the 30 days from the date of the accident, not the date you first saw a doctor. DFS says a late submission needs a clear and reasonable justification, so send the notice early rather than relying on one. The deadlines are set out in the DFS no-fault FAQ.
Matching Quotes and Checking Complaint Records
DFS says New York is divided into rating territories, which each insurer files to reflect differences in claim costs. A Mineola address can therefore land in a different place on each company’s price scale. Get quotes with the same liability, property damage, and SUM limits and the same deductibles.
Service records matter as much as price after a crash. The DFS auto insurance complaint ranking lists insurers by the complaints DFS upheld relative to the premiums they write in New York over two years. Groups file under several company names, so look up the exact company on your quote. Only complaints that reached DFS are counted.
NYMI has reviewed Allstate, Erie, GEICO, Liberty Mutual, Nationwide, New York Central Mutual (NYCM), Progressive, State Farm, Travelers, and USAA. If a renewal price jumped after a claim, our article on increases in insurance rates covers common reasons.
Mineola Insurance Agencies
We confirmed each office below on its own website or in its insurer’s agent directory in September 2026. An office marked independent says it works with more than one insurer; a single company name means the agent represents that insurer. The list is not a ranking or a recommendation.
| Agency | Address | Phone | Sells |
|---|---|---|---|
| Keats Insurance Agencies | 485 Jericho Tpke, 11501 | (516) 354-4849 | Multiple insurers (independent) |
| Double Eagle Insurance Agency | 372 Willis Ave, 11501 | (516) 609-0050 | Multiple insurers (independent) |
| SCS Agency | 170 Old Country Rd, Ste 414, 11501 | (516) 466-6007 | Multiple insurers (independent) |
| The Grima Agency | 169A Liberty Ave, 11501 | (718) 343-3222 | Multiple insurers (independent) |
| Jim Paterson | 250 Jericho Tpke, 11501 | (516) 248-6809 | State Farm |
| Litza Casinover | 167 Mineola Blvd, 11501 | (516) 506-7200 | State Farm |
| James Tomeo | 499 Jericho Tpke, 11501 | (516) 248-3939 | Allstate |
| Fred Hamilton | 66 E Old Country Rd, 11501 | (516) 535-0017 | Allstate |
The State Farm and Allstate profile pages for Jim Paterson, Litza Casinover, James Tomeo, and Fred Hamilton list Spanish along with English. The Grima Agency’s Travelers and Progressive listings both give a 718 number rather than a 516 one.
Where Mineola Drivers Handle DMV Business
The Garden City DMV office at 400 Oak St is in neighboring Garden City, and it handles vehicle registrations and plates. Nassau County also has offices at 4031 Hempstead Tpke in Bethpage and 927 Carmans Rd in Massapequa. Make a reservation first: the DMV strongly encourages one, and offices with long waits admit only people who have them.
After you change insurers, the DMV’s insurance status lookup shows whether your new coverage has reached its records. A gap in coverage can lead to a suspended registration and license, and the DMV’s insurance lapse page lists the civil penalties.
Car insurance guides for nearby places: Garden City, Hempstead and Glen Cove. For every city and borough we cover, see New York car insurance by city.