Car Insurance in Queens, NY
Looking for affordable car insurance in Queens? As your independent brokerage, we compare numerous top-rated carriers to find coverage and rates tailored to you.
Competitive Rates
We shop across numerous carriers for car insurance in Queens so you don’t have to.
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Liability, collision, comprehensive, and more — tailored to you.
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Walk in, call, or start online. ID cards in minutes.
Your Trusted Independent Insurance Broker in Queens
Located right on Jamaica Ave in Hollis, we’re proud to be your source for car insurance in Queens and part of the local community. As an independent brokerage, we’re not tied to any single insurance carrier, which gives us the freedom to prioritize your interests.
We search an extensive network of top-rated insurers to find coverage that fits your specific needs and budget. Our team of licensed agents handles everything on your behalf — from placing new policies and managing renewals to assisting with claims and policy changes.
Our Hollis office is accessible via the Q1, Q36, Q43, and Q110 buses on Jamaica Ave and the Hollis LIRR station. We proudly serve drivers and homeowners across all of Queens, Brooklyn, the Bronx, and Long Island.
Car Insurance in Queens — Coverage Options for Every Driver
Liability Coverage
New York State requires minimum liability limits of 25/50/10 ($25,000 bodily injury per person, $50,000 per accident, and $10,000 property damage). This covers injuries or damage you cause to others. Given the high traffic density, when selecting car insurance in Queens, we often recommend higher limits to protect your assets.
Collision Coverage
Collision coverage pays to repair or replace your vehicle if you are involved in an accident with another car or object, regardless of who is at fault. This is essential for protecting your vehicle’s value.
Comprehensive Coverage
This covers damage to your car from non-collision events such as theft, vandalism, fire, falling objects, weather damage, or hitting an animal. Comprehensive coverage is a vital part of car insurance in Queens, particularly for street parking in many neighborhoods.
Uninsured & Underinsured Motorist
Required in New York, this coverage protects you and your passengers if you are injured in an accident caused by a driver who has no insurance or insufficient coverage to pay for your medical bills.
Personal Injury Protection (No-Fault)
New York is a No-Fault state, meaning your own policy pays for your medical treatment regardless of who caused the accident. The mandatory minimum PIP coverage is $50,000 per person.
Commercial Auto Insurance
If you use your vehicle for business deliveries, contracting work, or rideshare services, a personal policy may not cover you. We can help you find commercial auto insurance policies tailored to your specific business needs.
Why Car Insurance Costs More in Queens
Queens drivers pay an average of $3,200 to $4,800 per year for full coverage car insurance — significantly more than the national average of $2,014. Several factors specific to Queens drive these higher premiums:
Traffic Density and Accident Rates
Queens has some of the most congested corridors in New York City. The Long Island Expressway (I-495), Grand Central Parkway, and Van Wyck Expressway see bumper-to-bumper traffic daily. More vehicles on the road means more accidents, and insurers price that risk into your premium. According to the NYC Department of Transportation, Queens consistently ranks among the top boroughs for traffic-related injuries.
No-Fault Insurance State
New York’s no-fault system requires your own insurer to pay your medical bills regardless of who caused the accident. This increases the base cost of every policy because insurers know they will pay claims even when their policyholder wasn’t at fault. The mandatory $50,000 Personal Injury Protection minimum adds hundreds of dollars to every Queens driver’s premium.
Vehicle Theft and Vandalism
Certain Queens neighborhoods experience higher rates of vehicle theft and break-ins, particularly in areas with more street parking. The NYPD’s CompStat data shows elevated grand larceny auto rates in precincts covering Jamaica, South Ozone Park, and Far Rockaway. Comprehensive coverage premiums reflect this risk.
Insurance Fraud
New York has one of the highest rates of insurance fraud in the country. Staged accidents, inflated injury claims, and fraudulent repair shops all drive up costs for legitimate policyholders. The New York Department of Financial Services actively investigates fraud, but the cost is still passed on to drivers through higher premiums.
Car Insurance Rates by Queens Neighborhood
Insurance rates in Queens vary significantly by ZIP code. Here’s a general breakdown of what full coverage car insurance costs across different areas:
| Neighborhood | ZIP Codes | Avg. Annual Rate | Risk Level |
|---|---|---|---|
| Bayside / Douglaston | 11361, 11362, 11364 | $2,800 – $3,400 | Lower |
| Forest Hills / Rego Park | 11375, 11374 | $3,000 – $3,600 | Moderate |
| Jamaica / Hollis | 11423, 11432, 11433 | $3,400 – $4,200 | Moderate-High |
| Flushing / Fresh Meadows | 11354, 11355, 11365 | $3,200 – $4,000 | Moderate |
| South Ozone Park / Richmond Hill | 11416, 11418, 11419 | $3,800 – $4,800 | Higher |
| Astoria / Long Island City | 11101, 11102, 11106 | $3,100 – $3,800 | Moderate |
| Far Rockaway | 11691, 11692, 11693 | $4,000 – $5,200 | Higher |
Rates are estimates based on a clean driving record, full coverage, and a 2020-2024 model year vehicle. Your actual rate depends on your age, driving history, vehicle, and coverage selections. Call (718) 739-9090 for an exact quote.
What New York Requires vs. What We Recommend
New York has minimum insurance requirements, but the legal minimums often aren’t enough to fully protect Queens drivers. Here’s how the state minimums compare to what we typically recommend:
| Coverage Type | NY Minimum | K&N Recommended | Why |
|---|---|---|---|
| Bodily Injury | $25K / $50K | $100K / $300K | NYC medical bills and lawsuits exceed minimums quickly |
| Property Damage | $10K | $50K – $100K | Average car value in Queens is $25K+ |
| PIP (No-Fault) | $50K | $50K (standard) | State minimum is adequate for most |
| Uninsured Motorist | $25K / $50K | $100K / $300K | ~6% of NY drivers are uninsured |
| Collision | Not required | $500 deductible | Essential if your car is worth $10K+ |
| Comprehensive | Not required | $500 deductible | Covers theft, vandalism, weather — critical for street parking |
“Most Queens drivers who come to us with just the state minimums are one accident away from financial trouble. We help you find the right balance between protection and cost — and because we compare multiple carriers, better coverage often costs less than you’d expect.” — K&N Insurance Brokerage
How to Save on Car Insurance in Queens
When searching for car insurance in Queens, drivers often face some of the highest premiums in New York due to traffic volume and claim rates. Working with an independent broker is one of the most effective ways to lower your costs, as we can compare rates across numerous top-rated carriers to find the best value for your specific profile.
Ways We Help You Save
We actively look for every available discount to reduce your premium. Common savings opportunities include bundling your home and auto insurance, maintaining a clean driving record, insuring multiple vehicles on one policy, taking a defensive driving course, and adjusting your deductibles. By comparing options side-by-side, many of our clients are able to secure better coverage at a more competitive rate. Call us today at (833) 840-8500 to start your free quote comparison.
Frequently Asked Questions
What is the minimum car insurance required in New York?
New York requires 25/50/10 bodily injury and property damage liability, $50,000 in Personal Injury Protection (no-fault), and uninsured motorist coverage matching your liability limits.
Can I get car insurance after a lapse in coverage in Queens?
Yes. Whether your policy lapsed, was cancelled, or your license was suspended, we can help. In New York, you may need an FS-1 form (proof of financial responsibility) — we handle the paperwork and find carriers that work with drivers who have coverage gaps.
Do you offer same-day coverage?
Yes. Visit our Hollis office, call, or start online — we can bind coverage and issue ID cards the same day in most cases.
How do I get a free quote?
Call us at (833) 840-8500, visit our office at 182-03 Jamaica Ave, Hollis, NY 11423, or request a quote online. There’s no cost and no obligation.
Why is car insurance so expensive in Queens?
Queens premiums are higher than most of the country due to heavy traffic density, New York’s no-fault insurance system, elevated vehicle theft rates in certain neighborhoods, and the overall cost of medical care in NYC. An independent broker can help offset these costs by comparing rates across multiple carriers to find the most competitive option for your profile.
What’s the difference between an insurance broker and an agent?
An insurance agent represents one company (like State Farm or GEICO). A broker represents you and shops across multiple carriers to find the best rate and coverage. There’s no extra cost to use a broker — we’re paid by the carrier you choose. Most Queens drivers save money by using a broker because we have access to rates you can’t get on your own.
Do I need full coverage on an older car?
It depends on your car’s current value. If your vehicle is worth less than $5,000, the cost of collision and comprehensive coverage may exceed what you’d receive in a claim payout. We can run the numbers with you and help you decide whether to keep full coverage or drop to liability-only — no pressure either way.
Can you insure drivers with tickets or accidents on their record?
Yes. We work with carriers that specialize in non-standard or high-risk drivers. Whether you have points on your license, a DUI/DWI, an at-fault accident, or a lapse in coverage, we can find options. In many cases, drivers with imperfect records pay less through a broker because we know which carriers are most competitive for their specific situation.
Looking for the cheapest rates? See our guide to cheap car insurance in Queens. We also serve car insurance in Huntington, NY drivers from our second office. Browse all insurance products or get a free quote online.
Serving All Queens Neighborhoods
From our office on Jamaica Ave in Hollis, we proudly serve drivers and families across Jamaica, Queens Village, Flushing, Bayside, Forest Hills, Rego Park, Astoria, Long Island City, Woodhaven, Richmond Hill, South Ozone Park, Ozone Park, Howard Beach, Kew Gardens, Fresh Meadows, Briarwood, Jackson Heights, Elmhurst, Corona, Woodside, Sunnyside, Maspeth, Middle Village, Glendale, and Ridgewood.
We also serve customers in Brooklyn, the Bronx, and Long Island from our convenient Queens and Huntington office locations.
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Visit Our Queens Office
K&N Insurance Brokerage
182-03 Jamaica Ave, Hollis, NY 11423
Toll-Free: (833) 840-8500
Local: (718) 739-9090
Email: [email protected]
Hours: Mon–Fri 9:00 AM – 5:00 PM | Sat 10:00 AM – 4:00 PM
Transit: Served by Q1, Q36, Q43, and Q110 buses on Jamaica Ave. Accessible via Hollis LIRR station and Jamaica/Sutphin LIRR + subway hub.
Parking: Free street parking available on Jamaica Ave.
Learn about New York auto insurance requirements from the NY DMV.
Need a broker? Learn why an independent insurance broker saves you money