Cheapest Car Insurance Quotes in Long Island

Finding the cheapest car insurance quotes in Long Island shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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Long Island Car Insurance

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Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Long Island

The car insurance rate in Long Island is $1127 for a six-month policy, which is $74 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $471, making it a popular choice for budget-conscious drivers. Rates in Long Island can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Long Island

$1127

Avg. Car Insurance in Kansas

$1053

National Average

$1278

Cheapest Car Insurance Companies in Long Island

1st place: American Family

At $471 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $495 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $789 for six months, making it the third cheapest auto insurance company in Long Island.

Long Island Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Long Island, KS is American Family, offering policies at just $471 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $495.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $2053 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Long Island drivers find the best deals.

Cheap Car Insurance Companies in Long Island, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$471	$78
Auto-Owners Insurance Co	$495	$85
USAA	$789	$133
Travelers	$807	$136
Shelter	$985	$166
Auto-Owners	$1049	$179
State Farm	$1163	$196
Nationwide	$1214	$204
Farmers	$1271	$214
Progressive	$1297	$218
Encompass	$1347	$225
Allstate	$1710	$288
Farm Bureau	$2053	$342

Key Takeaways

Way's key takeaways about car insurance in Long Island

The auto insurance costs in Long Island fall around $471 for six months.
The cheapest auto insurance company in Long Island is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Long Island at $1202 per month.

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Cheapest Minimum Liability Car Insurance in Long Island

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Long Island are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Long Island. Their Average 6 Month Premium is $178. Encompass is the most expensive at $255 for the same period.

Cheapest Liability Coverage in Long Island, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$178	$30
USAA	$178	$30
Iowa Farm Bureau	$223	$37
Farmers Union Insurance	$235	$40
American Family	$248	$42
Travelers	$248	$42
Auto-Owners	$255	$43
Electric	$255	$43
Kansas Farm Bureau	$266	$45
State Farm	$299	$50
Progressive	$337	$57
Shelter	$343	$58
Farm Bureau	$432	$74
Farmers	$477	$80
Allstate	$623	$105
Nationwide	$756	$126
Encompass	$255	$43

Cheapest Full Coverage Car Insurance in Long Island

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Long Island is American Family at $78 per month and $471 for six months.

Cheapest Full Coverage Car Insurance Quotes in Long Island, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$471	$78
Auto-Owners Insurance Co	$495	$85
USAA	$789	$133
Travelers	$807	$136
Shelter	$985	$166
Auto-Owners	$1049	$179
State Farm	$1163	$196
Nationwide	$1214	$204
Farmers	$1271	$214
Progressive	$1297	$218
Encompass	$1347	$225
Allstate	$1710	$288
Farm Bureau	$2053	$342

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Average Car Insurance in Long Island by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Long Island, KS increasing?

Despite maintaining a clean driving record, your car insurance rates in Long Island, Kansas, may be increasing due to several external factors. Kansas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Long Island's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Long Island

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Nationwide	$803
30s	Nationwide	$689
40s	Nationwide	$559
50s	Nationwide	$511
60s	Nationwide	$488
70s	Nationwide	$529

Cheapest Car Insurance Rates for Teen Drivers in Long Island,KS

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Long Island at $40 per month. At $7208 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$235	$40
Iowa Farm Bureau	$261	$44
Farmers Union Insurance	$273	$46
American Family	$299	$50
Kansas Farm Bureau	$350	$60
Travelers	$908	$153
USAA	$1544	$260
State Farm	$2523	$425
Shelter	$2809	$473
Progressive	$2911	$490
Farmers	$3063	$516
Farm Bureau	$4360	$727
Allstate	$5097	$858
Nationwide	$7208	$1202

Teen Car Insurance Rates in KS by Age

Way Tip

If you are in your twenties Nationwide is the best choice for car insurance in Long Island.

As young drivers face the highest rates in Long Island, Nationwide offers the cheapest auto insurance rates at $803 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Long Island, American Family is the cheapest car insurance provider. At $419 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Long Island is State Farm, offering rates of around $6521 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$419	$72
Iowa Farm Bureau	$426	$71
Farmers Union Insurance	$432	$74
Travelers	$1005	$169
USAA	$1150	$196
Shelter	$1392	$234
Progressive	$1424	$240
Nationwide	$1595	$269
Farmers	$1697	$286
Allstate	$2962	$493
Farm Bureau	$3769	$641
State Farm	$6521	$1087

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Car Insurance Rates with An Accident in Long Island

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Long Island, KS, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Long Island

The cheapest car insurance companies after an at-fault accident in Long Island include AutoOwners Insurance Co and American Family, offering $216 and $248, respectively. Encompass is an expensive provider with an average six-month premium of $350.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$216	$36
American Family	$248	$42
Electric	$305	$51
Iowa Farm Bureau	$343	$59
Farmers Union Insurance	$363	$60
Auto-Owners	$381	$65
Kansas Farm Bureau	$483	$80
USAA	$655	$110
Travelers	$661	$111
State Farm	$769	$129
Shelter	$1087	$183
Progressive	$1392	$234
Farmers	$2313	$389
Allstate	$2574	$433
Farm Bureau	$2765	$461
Nationwide	$3534	$601
Encompass	$350	$60

Long Island Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Long Island KS. For example, the car insurance in Long Island after a DUI increases to $1088 for a six month policy. While the rate increases by $242 for a six-month policy in the case of a speeding ticket.

Long Island auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1245	$208
One Med/PIP claim	$1245	$212
Not-at-fault accident	$1278	$213
Two Med/PIP claims	$1334	$227
One comp claim	$1341	$224
Failure to show documents	$1379	$234
Two comp claims	$1392	$232
Failure to wear a seat belt	$1405	$239
Child safety restraint	$1442	$241
Driving with expired registration	$1442	$245
Driving without lights	$1442	$241
Speeding 6 - 10 MPH over limit	$1487	$253
Cell phone violation	$1507	$251
Driving too slowly	$1507	$256
Texting while driving	$1507	$251
Failure to yield	$1519	$258
Following too closely	$1519	$254
Illegal turn	$1519	$258
Wrong way/wrong lane	$1519	$254
In 65 MPH zone	$1526	$259
Speeding 11 - 15 MPH over limit	$1526	$255
Failure to stop at a red light	$1532	$260
Improper passing	$1532	$256
Speeding in school zone	$1532	$260
Speeding 16 - 20 MPH over limit	$1538	$257
Open container	$1550	$263
Operating a vehicle without permission	$1563	$261
Passing school bus	$1576	$268
Speeding 21 - 25 MPH over limit	$1576	$263
At-fault accident - less than $1000	$1595	$272
At-fault accident - $1000-$2000	$1760	$293
At-fault accident - greater than $2000	$1760	$300
Racing	$1945	$324
Reckless driving	$2110	$358
Driving with a suspended license	$2288	$381
Refusal to submit to a chemical test	$2313	$394
DUI	$2333	$388
Leaving scene of an accident/hit and run	$2428	$413

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Long Island after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Long Island.

The cheapest car insurance premiums in Long Island are offered by American Family at $286 for a six-month policy. However, it can be as expensive as $4856 with companies like Farm Bureau.

Long Island car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$286	$48
Farmers Union Insurance	$419	$72
Travelers	$692	$117
Progressive	$890	$150
State Farm	$1131	$190
USAA	$1189	$200
Farmers	$1526	$257
Shelter	$1583	$266
Allstate	$2136	$360
Nationwide	$4824	$821
Farm Bureau	$4856	$809

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Long Island are offered by Iowa Farm Bureau at $279. However, it can be as expensive as $2899 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Long Island after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$279	$47
American Family	$286	$48
Auto-Owners Insurance Co	$292	$49
Farmers Union Insurance	$311	$52
State Farm	$756	$127
Travelers	$769	$129
USAA	$782	$131
Progressive	$1061	$179
Farmers	$1431	$241
Shelter	$1468	$249
Allstate	$2142	$357
Farm Bureau	$2574	$438
Nationwide	$2899	$483

Car Insurance Price Trends in Long Island, Kansas

Car insurance rates in Long Island have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Long Island rose by $233 in January compared to $198 of December. In other words, there has been an increase by $35 when you compare January and December.

The average cost of liability insurance in the Long Island rose to $54 in January, compared to $49 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Long Island?

The car insurance in Long Island is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Long Island?

The cheapest car insurance in Long Island is $78 per month for full coverage.

How much is car insurance in Long Island for teenagers?

Car insurance for teenagers costs $235 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Long Island?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $189 per month to insure your car in Long Island.

Is car insurance expensive in Long Island?

Car insurance can be expensive in Long Island if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Long Island can be affordable.

Cheapest Car Insurance Quotes in Long Island

Why you can trust Way?

How Much Is Car Insurance in Long Island

Avg. Car Insurance in Long Island

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Long Island

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: USAA

Long Island Car Insurance Rates by Company

Cheap Car Insurance Companies in Long Island, KS

Way's key takeaways about car insurance in Long Island

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Long Island

Cheapest Liability Coverage in Long Island, KS

Cheapest Full Coverage Car Insurance in Long Island

Cheapest Full Coverage Car Insurance Quotes in Long Island, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Long Island by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Long Island, KS increasing?

Car Insurance Premiums by Age in Long Island

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Long Island,KS

If you are in your twenties Nationwide is the best choice for car insurance in Long Island.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Long Island

Cheapest Car Insurance Companies after an At-Fault Accident in Long Island

Long Island Car Insurance Rates by Violation

Long Island auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Long Island after a DUI

Long Island car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Long Island after Speeding ticket

Car Insurance Price Trends in Long Island, Kansas

Average Car Insurance Cost in Long Island by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Long Island, KS

Car Insurance Rates by State in the USA (2025 Update)

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