The best and cheapest car insurance options in Flushing are NY Central Mutual, Geico, USAA, Progressive and Erie. These companies offer rates that are lower than the average costs for minimum and full coverage in the city. Additionally, they are well known for providing good customer service and high-quality coverage.

Keep reading: Cheap Car Insurance

Unless stated otherwise, the above and following cost tables show average rates for the driving profile of a 35-year-old married driver with good credit and a clean driving history.

Our data shows that the average cost of car insurance for minimum-coverage insurance in Flushing is $163 per month or $1,949 per year. This is about 211% more than the national average of $52 per month or $627 per year. Similarly, full-coverage insurance costs $319 per month or $3,825 per year on average, which is about 91% more expensive than the national average of $167 per month or $2,008 per year for full coverage.

Cheapest Liability Car Insurance in Flushing

NY Central Mutual offers the cheapest liability insurance with average rates of $94 per month or $1,126 per year. Geico is the second-cheapest option in Flushing with average rates of $101 per month or $1,211 per year.

Liability coverage is the minimum coverage required by the state of New York. According to New York law, all drivers must either meet or exceed the following minimum requirements:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $10,000 property damage liability per accident
• $25,000 uninsured motorist bodily injury coverage per person
• $50,000 uninsured motorist bodily injury coverage per accident
• $50,000 personal injury protection

Cheapest Full-Coverage Car Insurance in Flushing

A full-coverage car insurance policy can be pricey in Flushing. Full coverage includes liability plus comprehensive coverage and collision coverage, which protect against damage to your vehicle in a variety of situations. Geico is the cheapest full-coverage option with average rates of $215 per month or $2,581 per year.

The cost of car insurance in Flushing can be influenced by various factors, and the company that offers the lowest rates for one driver may not have the lowest rates for another. In this section, we will examine how auto insurance coverage costs in Flushing are affected by the driver’s age, credit score and driving record. Flushing has multiple ZIP codes with different average car insurance costs, so we will explore those as well.

A few easy ways for policyholders to save on car insurance services are by increasing their deductibles and by comparing quotes from auto insurance agencies throughout Flushing. You can also find the best rates by bundling car insurance coverage with life insurance, renters insurance and homeowners insurance.

Flushing Car Insurance Cost by Age

Teenagers have to pay more for car insurance because, statistically, they are more likely to get into car accidents or break traffic rules. Our data shows 16-year-olds pay about $533 per month or $6,392 per year for car insurance in Flushing.

As drivers get older, the cost of car insurance usually goes down. This is true for people in their twenties as well as middle-aged individuals. Below, you will find the average prices for minimum-coverage car insurance in Flushing for different age groups.

Cheapest Car Insurance in Flushing: Teen Drivers

Car insurance for teens is expensive, but some insurance providers tend to be more affordable than others. Our data shows NY Central Mutual is the cheapest car insurance company for teen drivers, with minimum-coverage rates as low as $212 per month or $2,544 per year. Geico, Progressive and Erie also offer affordable premiums for Flushing teens.

Flushing Car Insurance Cost by Credit Score

Car insurance companies in many states, including New York, can use credit scores to decide how much to charge for premiums. If someone has a low credit score, they will most likely have to pay more for car insurance. On the other hand, those with good credit scores will pay less.

Cheapest Car Insurance in Flushing: Poor Credit

Our rate data shows Geico is the cheapest option for car insurance for bad credit in Flushing. The company offers minimum-coverage policies to drivers with poor credit for rates of $129 per month or $1,554 per year. This is 20% less than the overall state average for minimum coverage for good credit.

Flushing Car Insurance Cost by Driving Record

If you have received speeding tickets, been in accidents or committed a DUI, your car insurance premiums will likely go up. On average, speeding can increase your rates by 19%, an at-fault accident by 40% and a DUI by 42%.

Different companies have different average price increases for each of these hits to your driving record. Our research shows that NY Central Mutual is the top choice if you have any driving record violations. The table below shows average rates by company for drivers who have either a speeding ticket, accident or DUI on their record.

Keep reading: Insurance rates for high-risk drivers

Cheapest Car Insurance in Flushing: Speeding Ticket

Let’s examine things in more detail. According to our data, NY Central Mutual offers the cheapest auto insurance rates to drivers who have a speeding ticket on their records — $115 per month or $1,382 per year. USAA follows close behind with an average monthly rate of $130, while Progressive, Geico and Erie round out the top five options for cheap speeding ticket car insurance in Flushing.

Cheapest Car Insurance in Flushing: At-Fault Accident

If you cause an accident while driving, your insurance rates may go up even more than if you just received a speeding ticket. NY Central Mutual and USAA are the cheapest options here with average rates of about $115 per month and $150 per month, respectively. You can see some auto insurance companies charge significantly more for this amount for coverage after an accident.

Cheapest Car Insurance in Flushing: DUI

Getting a DUI is a major offense that can make your car insurance rates in Flushing go up by hundreds of dollars each year. Progressive is very cheap compared to other companies, offering average rates of $139 per month or $1,670 per year for drivers with a DUI. NY Central Mutual, USAA and Chubb are also good options, with rates under $219 per month on average.

Flushing Car Insurance Cost by ZIP Code

The rate of insurance claims differs in different parts of Flushing, N.Y., and this impacts the cost of your insurance. Below, you can see certain ZIP codes in Flushing can be up to 0.7% cheaper or 0.7% more expensive than the city average.

While auto coverage in Flushing is 150% higher than New York car insurance and 211% more than the national average, there are still cheap providers to shop from. NY Central Mutual offers the cheapest minimum coverage in the city for about $94 per month. Geico also offers highly affordable full coverage rates for Flushing drivers at $215 per month.

Compare free quotes to find the company that meets your New York car insurance needs at the best rate. You can compare insurance products and get auto insurance quotes online or from insurance agents.

Here are some frequently asked questions about the cheapest auto insurance in Flushing:

*Cost data comes from Quadrant Information Services and is accurate at time of publication.