Best Bayside, New York Auto Insurance in 2024 (Your Guide to the Top 10 Companies)
Nationwide, Travelers, and Geico are the best Bayside, New York auto insurance providers, with rates as low as $40 per month. They provide good prices, solid coverage, and service that stands out. Drivers in Bayside can find policies that suit their needs while staying within budget.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
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UPDATED: Sep 18, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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3,019 reviewsCompany Facts
Full Coverage in Bayside
A.M. Best Rating
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3,019 reviews
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Full Coverage in Bayside
A.M. Best Rating
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1,731 reviews
19,116 reviewsCompany Facts
Full Coverage in Bayside
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
Nationwide, Travelers, and Geico stand out as the best Bayside, New York auto insurance providers, offering competitive rates starting at $40 per month. Here, you will find cheap insurance, broad plans, and quality customer support, which are beneficial for the drivers from Bayside.
To make the right decision while shopping for auto insurance, we’ll cover factors that affect auto insurance rates in Bayside, New York, including driving record, credit, commute time, and more.
Our Top 10 Company Picks: Best Bayside, New York Auto Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 23% A+ SmartRide® Savings Nationwide
#2 14% A++ Bundling Policies Travelers
#3 12% A++ Affordable Rates Geico
#4 22% B Local Agents State Farm
#5 18% A+ Snapshot® Savings Progressive
#6 17% A Claims Service American Family
#7 20% A+ Local Support Allstate
#8 24% A Add-on Coverages Liberty Mutual
#9 20% A++ Military Benefits USAA
#10 25% A Weather Coverage Farmers
See which companies have the cheapest minimum auto insurance rates by entering your ZIP code into our free comparison tool above.
- Nationwide, Travelers, and Geico offer the best rates and coverage
- Bayside drivers can find policies starting at $40 per month
- The minimum auto insurance required in Bayside, New York is 25/50/10
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#1 – Nationwide: Top Overall Pick
Pros
- SmartRide® Savings for Commuters: Nationwide’s usage-based program adapts to local traffic patterns and rewards safe driving in Bayside, shaving 23% off.
- On Your Side® Review: Bayside residents’ coverage adapts to life changes like new cars and home renovations with annual policy reviews as seen in our Nationwide auto insurance review.
- Pet Injury Coverage for Animal Lovers: Offers protection for pets injured in car accidents, appealing to the many pet owners in this family-friendly Bayside neighborhood.
Cons
- Rate Increases Post-Claim: Some Bayside policyholders report significant premium hikes after filing claims, which can be burdensome in this high-cost-of-living area.
- Fewer Affinity Discounts for Bayside Groups: Nationwide offers fewer profession-based or membership discounts, potentially missing savings opportunities for Bayside’s diverse workforce.
#2 – Travelers: Best for Bundling Policies
Pros
- Bundling Discount for Homeowners: Travelers offers a 14% discount for bundling auto and home insurance, significant savings in Bayside’s high-value real estate market.
- Discount for Safety-Conscious Drivers: Offers savings for Bayside residents with clean driving records, encouraging safer practices on local streets.
- Green Car Discount for Eco-Conscious: Provides savings for hybrid and electric vehicle owners. Go green, get discounts and explore our Travelers auto insurance review.
Cons
- Fewer Discount for Senior Drivers: Limited savings opportunities for Bayside’s older residents compared to some age-specialized insurers.
- Rates for Luxury Vehicles: High-end car owners in this upscale area may find better rates with specialized luxury car insurers in Bayside.
#3 – Geico: Best for Affordable Rates
Pros
- Lowest Average Premiums: With rates averaging $100, Geico offers the most affordable options for cost-conscious Bayside residents.
- Mechanical Breakdown Coverage for Older Vehicles: Provides protection similar to an extended warranty, beneficial for Bayside residents with aging cars.
- Emergency Roadside Service: 24/7 assistance for breakdowns. Never worry about breaking down as we tackled this service deeper in our Geico auto insurance review.
Cons
- Fewer Add-On Coverage Options: Some specialized coverages may be lacking compared to insurers with more diverse offerings in Bayside.
- Limited In-Person Claims Handling: Lack of local claims adjusters may lead to longer processing times for complex Bayside accident cases.
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#4 – State Farm: Best for Local Agents
Pros
- Extensive Local Agent Network: Strong presence of neighborhood agents provides personalized service for Bayside community.
- Multiple Line Discount for Property Owners: Significant savings for bundling auto with home or renters insurance in Bayside, common in this residential area.
- Vehicle Safety Discounts: Offers savings for vehicles with advanced safety features. Explore our State Farm auto insurance review, as we show you how vehicle safety can reduce your premiums.
Cons
- Limited Online Capabilities for Tech-Savvy: Some residents in Bayside find State Farm’s digital tools less advanced compared to more tech-focused competitors.
- Stricter Underwriting for Young Drivers: Newly licensed drivers in Bayside may face higher premiums compared to some competitors.
#5 – Progressive: Best for Snapshot® Savings
Pros
- Snapshot® Program: Offers up to 18% savings based on local driving habits, ideal for navigating Bayside’s varied traffic conditions.
- Small Accident Forgiveness: Claims under $500 won’t increase rates, beneficial in Bayside’s tight parking situations. Read more about this in our Progressive auto insurance review.
- Gap Insurance for Financed Vehicles: Covers the difference between car value and loan balance, crucial in Bayside with high vehicle costs.
Cons
- Limited local agent presence: Fewer in-person options may inconvenience residents in Bayside who prefer face-to-face insurance support.
- Less Flexibility in Policy Customization: Some locals in Bayside may find the standard policy options too rigid for their specific requirements.
#6 – American Family: Best for Claims Service
Pros
- Diminishing Deductible for Careful Drivers: Reduces collision deductible by $100 annually, up to $500, rewarding safe driving in Bayside’s busy area.
- Emergency roadside Assistance: 24/7 help for breakdowns, crucial in this bustling Bayside neighborhood with heavy traffic.
- Teen Safe Driver Program: Provides tools and discounts as mentioned in our American Family auto insurance review, to encourage safe driving habits among Bayside’s young drivers.
Cons
- Less Name Recognition: May be less familiar to local Bayside residents compared to larger national insurers or New York-based companies.
- Local Partnerships for Bayside-Specific Discounts: Limited affinity discounts based on local Bayside organizations or employers.
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#7 – Allstate: Best for Local Support
Pros
- Your Choice Auto® for diverse needs: Allows Bayside drivers to customize their policies with features like accident forgiveness and new car replacement.
- Milewise® Pay-Per-Mile Option: Ideal for Bayside residents who mainly use public transit but need occasional car coverage. Get this option, read Allstate auto insurance review for more details.
- Claim Satisfaction Guarantee for Bayside Drivers: Offers a credit to your premium if you’re unsatisfied with your claim experience, ensuring quality service.
Cons
- Limited Bundling Options for Renters: While home insurance bundling is available, options for renters in Bayside may be less comprehensive.
- Fewer Affinity Discounts for Diverse Workforce: Limited profession-based or membership discounts compared to some competitors in Bayside.
#8 – Liberty Mutual: Best for Add-on Coverages
Pros
- Teacher’s Auto Insurance for Educators: Offers specialized coverage and perks for local teachers, relevant in this family-oriented Bayside neighborhood.
- 24-Hour Roadside Assistance Tailored to Bayside: Provides round-the-clock help for breakdowns, essential in this bustling New York City suburb.
- Liberty Mutual Rewards Program: Allows Bayside local customers to earn points towards insurance payments through everyday purchases. Learn more about this program in our Liberty Mutual auto insurance review.
Cons
- Highest Average Premiums: At $125, rates may be less competitive for budget-conscious Bayside residents in this high-cost-of-living area.
- Bundling Options for Diverse Housing Situations: While home insurance bundling is available, options for renters or condo owners in Bayside may be less comprehensive.
#9 – USAA: Best for Military Benefits
Pros
- No-Fee Bank Accounts for Military Community: Free checking and savings accounts, detailed in our USAA auto insurance review, are beneficial for Bayside residents in this high-cost area.
- Moving and Storage Coverage for Mobile Military: Provides protection during frequent relocations, common among service members in Bayside.
- Valuable Personal Property Insurance: Offers specialized coverage for high-value items, relevant in this affluent Bayside neighborhood.
Cons
- Fewer Coverage Options for Bayside’s Needs: May lack some niche coverages offered by insurers more familiar with New York City’s specific requirements.
- Coverage Gaps During Transition to Civilian Life: Bayside veterans may face challenges maintaining coverage when leaving military service.
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#10 – Farmers: Best for Weather Coverage
Pros
- Farmers Friendly Review® for Bayside Policyholders: Annual policy reviews ensure coverage adapts to life changes, crucial in this evolving urban area.
- Glass deductible Buyback: Offers full glass coverage with no deductible, beneficial in Bayside’s high-traffic area prone to road debris. This is a common problem for Bayside drivers, learn more about this coverage in our Farmers auto insurance review.
- Seasonal Auto Coverage for Part-Time Drivers: Provides flexible options for Bayside residents who only drive during certain times of the year.
Cons
- Longer Claims Processing: Some Bayside residents report delays in claims resolution compared to more streamlined providers.
- Less Flexibility in Online Policy Management: Some find Farmers’ digital tools less advanced compared to more tech-focused competitors in Bayside.
Auto Insurance Regulations in Bayside, New York
Auto insurance regulations in Bayside, New York require drivers to obtain and maintain at least the minimum amount of liability coverage set by the state. This includes $25,000 for bodily injury per person and $50,000 for bodily injury per accident.
Nationwide offers the best Bayside, NY auto insurance with rates starting at $42 per month, providing affordable coverage options.Jeff Root Licensed Insurance Agent
Also, it is mandatory for drivers to have property damage liability coverage of at least $10,000 in order to have adequate protection in the event of an accident. Check out this table showing the monthly insurance rates for minimum and full coverage in Bayside, NY.
Bayside, New York Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$48 $115
$46 $112
$50 $120
$40 $100
$52 $125
$44 $107
$43 $108
$45 $110
$47 $113
$42 $105
When you look at providers, think about price and coverage. You need both to get what you want. Rates change a lot. So, it’s important to check the details. Learn more in our article titled “Minimum Auto Insurance Requirements by State.”
Bayside, NY Auto Insurance: Rates, Risks, and Statistics
This report card provides an overview of auto insurance factors in Bayside, NY, including vehicle theft rates, traffic density, weather-related risks, average claim sizes, and the rate of uninsured drivers.
Bayside, New York Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Vehicle Theft Rate | B | Lower-than-average vehicle theft rate compared to other parts of New York City |
| Traffic Density | C | High traffic density, especially during peak hours, typical of urban areas |
| Weather-Related Risks | B | Low risk overall, though occasional snowstorms can lead to hazardous conditions |
| Average Claim Size | B | Claims are generally average compared to other boroughs in New York City |
| Uninsured Drivers Rate | C | Slightly higher-than-average rate of uninsured drivers, common in urban settings |
This report card offers a snapshot of key auto insurance factors in Bayside, NY, helping residents understand how local conditions impact their premiums.
The table below, shows crucial auto accident and insurance claim statistics for Bayside, including annual accidents, claim costs, and uninsured driver rates.
Bayside, New York Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Accidents per Year | 850 |
| Claims per Year | 600 |
| Average Claim Cost | $7,000 |
| Percentage of Uninsured Drivers | 15% |
| Vehicle Theft Rate | 200 thefts/year |
| Traffic Density | High |
| Weather-Related Incidents | Moderate |
These statistics offer insight into auto insurance factors in Bayside, NY, helping residents understand their insurance needs and potential expenses.
Read More: Motorcycle vs. Car Accident Statistics
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Understanding Bayside, New York Auto Insurance Costs
This table illustrates the difference between the age and gender on auto insurance premiums in Bayside, New York.
Bayside, New York Full Coverage Auto Insurance Monthly Rates by Age & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $1,414 | $1,494 | $436 | $427 | $468 | $427 | $448 | $450 |
| $489 | $758 | $211 | $217 | $236 | $227 | $227 | $224 |
| $1,568 | $2,272 | $802 | $852 | $802 | $802 | $746 | $746 |
| $961 | $1,455 | $522 | $678 | $522 | $522 | $490 | $490 |
| $1,170 | $1,262 | $444 | $408 | $358 | $320 | $276 | $283 |
| $1,248 | $1,529 | $468 | $489 | $422 | $422 | $371 | $371 |
| $1,195 | $1,399 | $547 | $550 | $529 | $512 | $478 | $497 |
| $1,179 | $1,398 | $371 | $411 | $287 | $282 | $261 | $262 |
It’s important to consider how personal factors like age or gender influence rates. Doing so will help you choose the most affordable option based on your profile.
The table below demonstrates how accidents and violations on a driving record influence car insurance rates in Bayside, NY. Drivers with a poor record may see significant increases in their premiums.
Bayside, New York Full Coverage Auto Insurance Monthly Rates by Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $583 | $746 | $583 | $871 |
| $249 | $249 | $272 | $525 |
| $842 | $842 | $842 | $1,768 |
| $528 | $541 | $528 | $1,224 |
| $548 | $553 | $548 | $611 |
| $631 | $699 | $631 | $699 |
| $604 | $709 | $766 | $775 |
| $497 | $505 | $505 | $718 |
The following table shows how credit history impacts auto insurance premiums in Bayside, NY. Credit score is very important because the insurance companies use your credit score to set your premiums.
Bayside, New York Full Coverage Auto Insurance Monthly Rates by Credit Score
| Insurance Company | Good Credit | Fair Credit | Poor Credit |
|---|---|---|---|
| $480 | $573 | $1,034 |
| $267 | $298 | $405 |
| $732 | $982 | $1,507 |
| $705 | $705 | $705 |
| $318 | $445 | $933 |
| $467 | $589 | $939 |
| $511 | $605 | $1,025 |
| $381 | $433 | $855 |
This table lists available discounts from top Bayside, NY auto insurance providers. Geico and Nationwide offer several cost-saving opportunities, such as safe driver and multi-policy discounts.
Auto Insurance Discounts From the Top Providers for Bayside, New York
| Insurance Company | Available Discounts |
|---|---|
| Safe driver, Multi-policy, Drivewise (telematics), New car, Early signing |
| Safe driver, Multi-policy, Good student, Low mileage, Teen Safe Driver Program |
| Multi-policy, Signal (telematics), Good driver, Homeownership, Pay-in-full |
| Good driver, Multi-policy, Military, Good student, Vehicle equipment |
| Multi-policy, RightTrack (telematics), Good student, New car, Vehicle safety |
| Safe driver, Multi-policy, Vanishing Deductible, Good student, Defensive driving |
| Safe driver, Multi-policy, Snapshot (telematics), Continuous insurance, Homeowner |
| Safe driver, Multi-policy, Good student, Vehicle safety |
| Multi-policy, Safe driver, IntelliDrive (telematics), New car, Homeownership |
| Safe driver, Multi-policy, Loyalty, Military, Good student |
All these factors, including age, driving record and credit history, can play a major role in determining your auto insurance premiums in Bayside, NY. So if you learn how to evaluate auto insurance quotes and the discounts that each company offers, you will be able to get the perfect policy that fits your needs while at the same time ensuring that you receive the best deal possible.
Bayside, New York Auto Insurance Rates: Zip Code and Commute Length
The rates of auto insurance in Bayside, NY, also depend on the ZIP code. The average monthly rates are $661 for 11359, $661 for 11360, and $661 for 11361. It is important to consider the location when comparing rates.
Bayside, New York Full Coverage Auto Insurance Monthly Rates by Annual Mileage
| Insurance Company | 6,000 Miles | 12,000 Miles |
|---|---|---|
| $686 | $706 |
| $315 | $332 |
| $1,042 | $1,105 |
| $705 | $705 |
| $565 | $565 |
| $640 | $690 |
| $714 | $714 |
| $551 | $562 |
Commuting distance is another factor that is used in calculating insurance premiums. No matter if your trips are short or long, it is always useful to check offers suitable for your journey so best to avoid expensive commutes.
Finding cheap auto insurance rates can be difficult for high-risk drivers, but you don’t have to do it alone. Enter your ZIP code below to find the most affordable quotes in your area.
Frequently Asked Questions
What are the benefits of getting auto insurance quotes in Bayside?
Auto insurance quotes in Bayside, NY allow drivers to compare rates from multiple providers, helping them find the best deal based on their unique needs. It also ensures they receive accurate coverage while considering local factors like traffic and accident rates.
Read More: What age group has the most fatal crashes?
How do car insurance quotes in Bayside differ from other areas?
Car insurance quotes in Bayside may vary due to factors like the population density, crime rates, and weather conditions. These local elements influence premium costs, so it’s essential to compare quotes specific to Bayside for the most accurate rates.
Uncover affordable auto insurance rates from the top providers by entering your ZIP code below.
What should I consider when choosing car insurance companies in Bayside?
When selecting car insurance companies in Bayside, it’s important to evaluate their customer service, coverage options, and pricing. Local reputation and proximity to agents can also play a role in deciding which provider suits your personal or family needs best.
How can I find affordable car insurance in Bayside?
To find affordable car insurance in Bayside, NY, consider factors like your driving record, vehicle type, and available discounts. Comparing quotes and bundling policies can help you reduce premiums while still maintaining adequate coverage for your vehicle.
Are there specific car insurance agents in Bayside I should consider?
Yes, several car insurance agents in Bayside specialize in providing tailored policies to fit the needs of local drivers. These agents can guide you through the coverage process, ensuring you find a plan that matches your budget and vehicle requirements.
How do driving conditions in Bayside affect car insurance rates?
Driving conditions in Bayside, including heavy traffic, weather, and accident frequency, impact car insurance rates. Local insurers often adjust premiums based on these factors, making it important to choose coverage that accounts for potential risks specific to the area.
Is it necessary to get car insurance quotes in Bayside for every vehicle?
Yes, obtaining car insurance quotes in Bayside, NY for each vehicle ensures that you get accurate pricing based on the make, model, and age of your vehicle. Different cars may have varying insurance rates, so individualized quotes help optimize your premiums.
Do car insurance companies in Bayside offer discounts for safe drivers?
Many car insurance companies in Bayside, NY provide discounts for drivers with clean records. Safe driving history, completion of defensive driving courses, and having anti-theft devices in your vehicle are factors that could lead to reduced insurance premiums. Learn more in our article titled “Best Auto Insurance Discounts for Good Drivers.”
Can local car insurance agents in Bayside help with claim support?
Yes, working with car insurance agents in Bayside, NY can provide valuable local support in the event of an accident or claim. These agents often offer more personalized services, guiding you through the claim process with quicker response times.
How can I find the best car insurance in Bayside for high-risk drivers?
High-risk drivers in Bayside may face higher premiums, but comparing car insurance companies and looking for those that specialize in high-risk policies can help. Some insurers offer tailored coverage options to make car insurance more accessible for such drivers.
If you’re just looking for coverage to drive legally, enter your ZIP code below to compare cheap auto insurance quotes near you.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.