Garden City Auto Insurance Rates, Quotes, Agents & Reviews in NY

Garden City, NY Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Garden City, NY, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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The Average Cost of Car Insurance in Garden City, NY, is $2,068

The average cost of auto insurance in Garden City, NY, is $2,068. This cost is higher than most nearby locations like Williston Park, Mineola, Garden City South, Garden City Park, and West Hempstead. Residents in Garden City, NY, make car insurance less expensive by considering various factors like the neighborhood, age of the driver, and credit scores. Below is Zimlon’s analysis of factors that can help car owners in Garden City, NY, make car insurance less expensive.

Savings by Neighborhood: 

The neighborhood one lives in Garden City, NY, influences the cost of car insurance. Zimlon offers the service of finding accurate insurance quotes using one’s accurate zip code. Depending on several factors like the vehicle’s make and model and age of the driver, the insurance prices can vary. 

Deductibles: 

Paying a higher deductible will also help car owners to make car insurance less expensive in Garden City, NY. However, these deductibles can vary depending upon the make and model of the car. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. Zimlon’s research found that in Garden City, NY, the yearly premium on a deductible of $500 is $2,021, and it decreases to $1,707 when the deductible is $1,000.

Age of the Driver: 

Zimlon’s analysis found that teenagers in Garden City, NY, usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies. Below is a list by Zimlon highlighting the different costs of car insurance based on the age of the driver.

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Multi-Car Insurance: 

Drivers who own multiple cars can make insurance less expensive by opting for a multi-car insurance policy by insuring all their vehicles under the same auto insurance company. Insurance companies in Garden City, NY, offer attractive discounts for bundling as well. Car owners can save more by purchasing their life, auto, and home insurance from the same insurance company.

According to Zimlon analysis, the cost of car insurance for two vehicles in Garden City, NY, is $3,640 helping car owners save nearly $496. Insuring three or four cars together can further reduce the cost of insurance and helps to save $744 and $993 respectively in Garden City, NY. 

Credit Score:

Having an “excellent” or “good” credit score will also help in making car insurance less expensive in Garden City, NY. Several auto insurance companies provide discounts to car owners that have a higher positive credit score. In Garden City, NY, if a driver’s credit score is exceptional, the cost of auto insurance can be as low as $1,774. Whereas the cost of car insurance can get as high as $2,811 and $3,373  if the credit score is average or poor. 

Factors that can influence the cost of car insurance in Garden City, NY are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Garden City, NY Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Garden City, NY with that of other cities in and around Garden City.

Garden City Williston Park Mineola Garden City South Garden City Park West Hempstead
Average Insurance Rates $2,068 $1,880 $1,855 $1,887 $1,935 $1,838

Garden City, NY Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Garden City, NY based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Garden City $2,021 $1,707
Garden City South $2,500 $2,111
Mineola $1,406 $1,188
Garden City Park $2,375 $2,006
West Hempstead $1,949 $1,646
Stewart Manor $1,831 $1,547
New Hyde Park $1,770 $1,495
Williston Park $1,936 $1,636

Garden City, NY Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Garden City, NY usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $6,710
20 Years $2,657
30 Years $2,047
40 Years $1,969
50 Years $1,824
60 Years $1,849
70 Years $2,152

Garden City, NY Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Garden City, NY can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $3,640 $496
3 Vehicles $5,460 $744
4 Vehicles $7,279 $993

Savings on 2 Vehicles bundle:$496

Savings on 3 Vehicles bundle:$744

Savings on 4 Vehicles bundle:$993


Garden City, NY Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Garden City, NY.

Location Average Insurance Cost Post DUI Insurance Rate
Garden City $2,068 $3,120
Garden City South $1,887 $2,847
Mineola $1,855 $2,799
Garden City Park $1,935 $2,919
West Hempstead $1,838 $2,773
Stewart Manor $1,923 $2,901
New Hyde Park $1,880 $2,836
Williston Park $1,880 $2,836

Garden City, NY Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,774
Excellent (740-799) $2,025
Good (670-739) $2,155
Average (580-669) $2,811
Poor (300-579) $3,373

Garden City, NY Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
David Chin General Insurance Brokerage Inc Travelers 87 BOWERY ROOM 501, NEW YORK, 10002 212-219-2278
Mahindro Jainarine Allstate 11810 Rockaway Blvd, South Ozone Park, 11420 (718) 739-3300
Barry Mednick Allstate 544 Woodbury Rd, Plainview, 11803 (516) 937-5700
Derek C. Lee Liberty Mutual 2 Jericho Plaza, Jericho, 11753 1-516-222-6060
Robert Salmon Allstate 89 Main St, East Rockaway, 11518 (516) 596-2900
Peter Kelly State Farm 349 Merrick Road, Lynbrook, 11563-2517 516-599-5400
Tick & Co Inc Travelers ONE HOLLOW LN STE 305, LAKE SUCCESS, 11042 516-365-6880
Arnold Standard Risk Services, Inc. None 55 Front Street, Ste 4 , Rockville Centre, 11570 None
Yvette Korell Nationwide 176 Post Ave, Westbury, 11590-3138 (516) 997-0205

Garden City, NY Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$91 $2,159
Driver's Failure In Showing Documents +$201 $2,269
Driving With An Expired Registration +$213 $2,281
Driving At A Considerably Slow Pace +$449 $2,517
Using A Cellphone While Driving +$474 $2,542
Running A Red Light +$482 $2,550
Speeding +$507 $2,575
Driving A Vehicle Without The Required Permission +$643 $2,711
Driving With An Expired/Suspended License +$1,394 $3,462

Garden City, NY Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,985
Active Disabling Device $1,985
Tracking Device $1,944
Passive Disabling Device $1,923