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Finding the cheapest car insurance quotes in Queens Village 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.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Village
The car insurance rate in Queens Village is $2171 for a six-month policy, which is $1142 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1165, making it a popular choice for budget-conscious drivers. Rates in Queens Village 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.
Cheapest Car Insurance Companies in Queens Village
1st place: Kemper
At $1165 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 $1542 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $1555
for six months, making it
the third cheapest auto insurance company in Queens Village.
Queens Village Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Queens Village, NY is Kemper, offering policies at just $1165 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1542.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $3245 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Queens Village drivers find the best deals.
Cheap Car Insurance Companies in Queens Village, NY
Way's key takeaways about car insurance in Queens Village
The auto insurance costs in Queens Village fall around $1165 for six
months.
The cheapest auto insurance company in Queens Village is New York Central Mutual Fire.
Teen drivers pay the highest rate in Queens Village at $1654 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Queens Village
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 Village are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in Queens Village. Their Average 6 Month Premium is $551.
Preferred Mutual is the most
expensive at $1454 for the same
period.
Cheapest Full Coverage Car Insurance in Queens Village
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 Village is Kemper
at $198 per month and $1165
for six months.
Cheapest Full Coverage Car Insurance Quotes in Queens Village,
NY
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Average Car Insurance in Queens Village 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 Village, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Queens Village, 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 Village'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 Village
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
National Grange Mutual
$1188
30s
National Grange Mutual
$846
40s
National Grange Mutual
$814
50s
National Grange Mutual
$827
60s
National Grange Mutual
$890
70s
National Grange Mutual
$1222
Cheapest Car Insurance Rates for Teen Drivers in
Queens Village,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Queens Village at $131
per
month. At $9826 for a six-month premium,
State Farm offers the most expensive rate for
teen drivers.
If you are in your twenties National Grange Mutual is
the best choice for car
insurance in Queens Village.
As young drivers face the highest rates in Queens Village, National Grange Mutual
offers the cheapest auto insurance rates at $1188 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 Queens Village,
Chubb is
the cheapest car insurance provider. At $1692 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 Village is Progressive, offering
rates of around $10917 for six
months.
Save up to $971/yr on car insurance rates in Queens Village.
Car Insurance Rates with An Accident in Queens Village
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 Village, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Queens Village
The cheapest car insurance companies after an at-fault accident in
Queens Village include Kemper
and American Family, offering $977
and $1002,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$1215.
Here is a list of driving violations that can increase your car
insurance rates in Queens Village NY. For example, the car
insurance in Queens Village
after a DUI increases to $1504 for a six
month policy. While the rate increases by $238 for a six-month policy in the case of
a speeding ticket.
Queens Village auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$2644
$441
One Med/PIP claim
$2644
$449
One comp claim
$2669
$445
Two comp claims
$2694
$458
Two Med/PIP claims
$2694
$449
Not-at-fault accident
$2707
$460
Failure to show documents
$2745
$458
Failure to wear a seat belt
$2758
$468
Driving with expired registration
$2783
$464
At-fault accident - less than $1000
$2796
$475
Cell phone violation
$2796
$466
Child safety restraint
$2796
$475
Driving without lights
$2796
$466
Failure to stop at a red light
$2796
$475
Failure to yield
$2796
$466
Following too closely
$2796
$475
Illegal turn
$2796
$466
Improper passing
$2796
$475
Passing school bus
$2796
$466
Texting while driving
$2796
$475
Wrong way/wrong lane
$2796
$466
Driving too slowly
$2821
$479
Speeding in school zone
$2821
$471
At-fault accident - $1000-$2000
$2832
$481
Speeding 11 - 15 MPH over limit
$2882
$481
Speeding 6 - 10 MPH over limit
$2882
$490
Operating a vehicle without permission
$2933
$490
Open container
$2971
$504
In 65 MPH zone
$3095
$517
Speeding 16 - 20 MPH over limit
$3133
$534
Speeding 21 - 25 MPH over limit
$3245
$540
At-fault accident - greater than $2000
$3496
$595
Reckless driving
$3735
$622
Racing
$3885
$660
Driving with a suspended license
$4024
$671
Refusal to submit to a chemical test
$4110
$698
DUI
$4148
$692
Leaving scene of an accident/hit and run
$4212
$715
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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 Village 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 Village.
The cheapest car insurance premiums in
Queens Village are
offered by American Family at $952 for a six-month policy.
However, it can be as
expensive as $4250 with companies
like State Farm.
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 Village are offered by American Family
at $840. However,
it can be as expensive as $4311
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Queens Village after Speeding ticket
Car Insurance Price Trends in Queens Village,
New York
Car insurance rates in Queens Village have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Queens Village dipped by
$521 in December
compared to $523 of November. In other words, there has been an decrease by $2 when you
compare December and November.
The average cost of liability insurance in the Queens Village dipped to $179 in December,
compared to $186 in November.
This represents an decrease of $7
when comparing December and November.
Average Car Insurance Cost in Queens Village by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Queens Village. At $2909 for a
six-month policy, insuring
your car at 11427 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Queens Village?
The car insurance in Queens Village is $93 per month, which is higher than the national average.
What is the cheapest car insurance in Queens Village?
The cheapest car insurance in Queens Village
is $198 per month
for full coverage.
How much is car insurance in Queens Village for teenagers?
Car insurance for teenagers costs $789 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 Village?
The average cost of car insurance is $1029 for a six-month
policy. It will cost around $365 per month to insure your
car in Queens Village.
Is car insurance expensive in Queens Village?
Car insurance can be expensive in Queens Village if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Queens Village can be
affordable.
What is the best car insurance in Queens Village,
NY?
The best car insurance company in Queens Village
NY is
Kemper, offering $1165 for a
six-month policy.
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Queens Village Car Insurance
