Cheapest Car Insurance Quotes in Queens

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Queens Car Insurance

^$ 85

/mo

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 Queens

The car insurance rate in Queens is $2235 for a six-month policy, which is $1077 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1065, making it a popular choice for budget-conscious drivers. Rates in Queens 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 Queens

$2235

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Queens

1st place: Kemper

At $1065 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: New York Central Mutual Fire

New York Central Mutual Fire offers auto insurance rates at $1411 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1502 for six months, making it the third cheapest auto insurance company in Queens.

Queens Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Queens, NY is Kemper, offering policies at just $1065 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1411.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $3428 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Queens drivers find the best deals.

Cheap Car Insurance Companies in Queens, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1065	$181
New York Central Mutual Fire	$1411	$235
Progressive	$1502	$253
American Family	$1650	$278
NYCM	$1996	$336
USAA	$2212	$372
Erie	$2258	$380
Nationwide	$2465	$411
Travelers	$2511	$423
State Farm	$2992	$504
Allstate	$3347	$564
Chubb	$3428	$571

Key Takeaways

Way's key takeaways about car insurance in Queens

The auto insurance costs in Queens fall around $1065 for six months.
The cheapest auto insurance company in Queens is New York Central Mutual Fire.
Teen drivers pay the highest rate in Queens at $1723 per month.

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Cheapest Minimum Liability Car Insurance in Queens

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 Queens are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Queens. Their Average 6 Month Premium is $504. Preferred Mutual is the most expensive at $1330 for the same period.

Cheapest Liability Coverage in Queens, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$504	$85
NYCM	$596	$98
Kemper	$620	$106
American Family	$745	$125
Progressive	$768	$129
USAA	$986	$166
Erie	$1216	$207
Travelers	$1307	$218
Allstate	$1399	$237
State Farm	$1490	$249
Nationwide	$963	$160
Utica National	$1100	$187
Preferred Mutual	$1330	$222

Cheapest Full Coverage Car Insurance in Queens

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 Queens is Kemper at $181 per month and $1065 for six months.

Cheapest Full Coverage Car Insurance Quotes in Queens, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1065	$181
New York Central Mutual Fire	$1411	$235
Progressive	$1502	$253
American Family	$1650	$278
NYCM	$1996	$336
USAA	$2212	$372
Erie	$2258	$380
Nationwide	$2465	$411
Travelers	$2511	$423
State Farm	$2992	$504
Allstate	$3347	$564
Chubb	$3428	$571

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Average Car Insurance in Queens 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 Queens, NY increasing?

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

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

Car Insurance Premiums by Age in Queens

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

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Cheapest Car Insurance Rates for Teen Drivers in Queens,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Queens at $124 per month. At $10237 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$722	$124
American Family	$870	$147
NYCM	$1926	$324
Progressive	$2374	$400
New York Central Mutual Fire	$2511	$427
Erie	$4827	$805
USAA	$5308	$894
Travelers	$6981	$1175
Nationwide	$7268	$1235
Chubb	$7612	$1268
Allstate	$8758	$1475
State Farm	$10237	$1723

Teen Car Insurance Rates in NY by Age

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 Queens, Kemper is the cheapest car insurance provider. At $1617 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 Queens is Progressive, offering rates of around $9687 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1617	$270
Nationwide	$2465	$419
Chubb	$2924	$492
USAA	$3553	$604
Erie	$3783	$637
American Family	$3841	$652
NYCM	$4300	$716
Allstate	$4688	$789
Mercury	$4781	$797
State Farm	$4941	$832
Travelers	$5721	$963
Progressive	$9687	$1631

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Car Insurance Rates with An Accident in Queens

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 Queens, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Queens

The cheapest car insurance companies after an at-fault accident in Queens include Kemper and American Family, offering $894 and $917, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $1112.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$894	$149
American Family	$917	$154
Progressive	$1411	$237
NYCM	$1434	$241
New York Central Mutual Fire	$1696	$284
USAA	$1926	$324
Erie	$2465	$415
Chubb	$2797	$471
Allstate	$3015	$508
Travelers	$3107	$523
Nationwide	$3256	$542
State Farm	$3806	$641
Utica National	$1100	$187
Preferred Mutual	$1112	$185

Queens Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Queens NY. For example, the car insurance in Queens after a DUI increases to $1376 for a six month policy. While the rate increases by $218 for a six-month policy in the case of a speeding ticket.

Queens auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2418	$403
One Med/PIP claim	$2418	$411
One comp claim	$2441	$407
Two comp claims	$2465	$419
Two Med/PIP claims	$2465	$411
Not-at-fault accident	$2476	$421
Failure to show documents	$2511	$419
Failure to wear a seat belt	$2523	$428
Driving with expired registration	$2546	$425
At-fault accident - less than $1000	$2557	$434
Cell phone violation	$2557	$427
Child safety restraint	$2557	$434
Driving without lights	$2557	$427
Failure to stop at a red light	$2557	$434
Failure to yield	$2557	$427
Following too closely	$2557	$434
Illegal turn	$2557	$427
Improper passing	$2557	$434
Passing school bus	$2557	$427
Texting while driving	$2557	$434
Wrong way/wrong lane	$2557	$427
Driving too slowly	$2580	$438
Speeding in school zone	$2580	$430
At-fault accident - $1000-$2000	$2590	$440
Speeding 11 - 15 MPH over limit	$2636	$440
Speeding 6 - 10 MPH over limit	$2636	$448
Operating a vehicle without permission	$2683	$448
Open container	$2717	$461
In 65 MPH zone	$2831	$473
Speeding 16 - 20 MPH over limit	$2866	$488
Speeding 21 - 25 MPH over limit	$2968	$494
At-fault accident - greater than $2000	$3198	$544
Reckless driving	$3416	$569
Racing	$3553	$604
Driving with a suspended license	$3681	$614
Refusal to submit to a chemical test	$3760	$639
DUI	$3794	$633
Leaving scene of an accident/hit and run	$3852	$654

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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 Queens 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 Queens.

The cheapest car insurance premiums in Queens are offered by American Family at $870 for a six-month policy. However, it can be as expensive as $4300 with companies like Chubb.

Queens car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$870	$147
Kemper	$917	$156
Progressive	$1181	$199
NYCM	$1789	$301
New York Central Mutual Fire	$2063	$344
USAA	$2351	$396
Travelers	$3073	$517
Allstate	$3634	$612
Erie	$3748	$625
Nationwide	$4070	$693
State Farm	$4277	$720
Chubb	$4300	$731

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 Queens are offered by American Family at $768. However, it can be as expensive as $4894 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Queens after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$768	$127
Kemper	$768	$131
Progressive	$1112	$187
NYCM	$1801	$307
USAA	$2086	$347
Erie	$2441	$415
Nationwide	$2465	$411
Travelers	$2843	$483
State Farm	$3439	$573
Chubb	$4070	$693
Allstate	$4894	$816

Car Insurance Price Trends in Queens, New York

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

The average cost of full coverage in the Queens rose by $531 in January compared to $477 of December. In other words, there has been an increase by $54 when you compare January and December.

The average cost of liability insurance in the Queens dipped to $154 in January, compared to $164 in December. This represents an decrease of $10 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Queens?

The car insurance in Queens is $85 per month, which is lower than the national average.

What is the cheapest car insurance in Queens?

The cheapest car insurance in Queens is $181 per month for full coverage.

How much is car insurance in Queens for teenagers?

Car insurance for teenagers costs $722 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 Queens?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $374 per month to insure your car in Queens.

Is car insurance expensive in Queens?

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

Cheapest Car Insurance Quotes in Queens

Why you can trust Way?

How Much Is Car Insurance in Queens

Avg. Car Insurance in Queens

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Queens

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Queens Car Insurance Rates by Company

Cheap Car Insurance Companies in Queens, NY

Way's key takeaways about car insurance in Queens

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Queens

Cheapest Liability Coverage in Queens, NY

Cheapest Full Coverage Car Insurance in Queens

Cheapest Full Coverage Car Insurance Quotes in Queens, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Queens by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Queens, NY increasing?

Car Insurance Premiums by Age in Queens

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Queens,NY

If you are in your twenties N/A is the best choice for car insurance in Queens.

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 Queens

Cheapest Car Insurance Companies after an At-Fault Accident in Queens

Queens Car Insurance Rates by Violation

Queens auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Queens after a DUI

Queens car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Queens after Speeding ticket

Car Insurance Price Trends in Queens, New York

Average Car Insurance Cost in Queens by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Queens, NY

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

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