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The Cheapest Car Insurance for South Ozone Park Drivers
The Cheapest Car Insurance for South Ozone Park Drivers
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in New York.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Head of Insurance Operations
Edited by Lina Zhang, Lisenced Insurance Agent
Learn more about our insurance review board
What's on this page?
- How to find the cheapest car insurance quotes in South Ozone Park
- Best car insurance companies in South Ozone Park
- Best cheap car insurance quotes in South Ozone Park
- Average cost of car insurance in South Ozone Park
- Car insurance quotes in South Ozone Park by rating factors
- How Do Different Factors Impact Your Car Insurance Costs in South Ozone Park?
- Cheap car insurance quotes in South Ozone Park after driving violations
- Cheap car insurance quotes in South Ozone Park by age
- Cheap car insurance quotes in South Ozone Park based on insurance history
- Cheap car insurance quotes in South Ozone Park for popular cars
- How to lower car insurance costs in South Ozone Park
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance quotes in South Ozone Park
On average,
auto insurance
in South Ozone Park costs about $154 per month for minimum coverage liability insurance, and about $278 per month for full coverage insurance. South Ozone Park drivers pay 120% more than the New York
average. Every month, thousands of wise car insurance shoppers in South Ozone Park come to
Jerry
to compare and buy car insurance
most efficiently. Below are some of the cheapest car insurance quotes Jerry found for our South Ozone Park customers. | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
| Progressive | $386 | Anthony, 46 Zip: 11420 | Honda Odyssey EXL | • State Minimum Liability |
| Nationwide | $274 | Ophelia, 36 Zip: 11420 | Nissan Rogue S | • State Minimum Liability • Comp / Collision |
Plymouth Rock | $296 | Carolyn, 48 Zip: 11420 | Honda Accord LX | • State Minimum Liability |
New York Central Mutual | $347 | Helen, 27 Zip: 11420 | Toyota Camry XSE | • State Minimum Liability • Comp / Collision |
Last Updated Jan 29, 2025Best car insurance companies in South Ozone Park
To give drivers a clearer look into how the most affordable car insurance companies compare, Jerry conducted the largest insurance survey in the nation. The results: the cheapest insurer varies from person to person.
Since
car insurance quotes
are based on individual factors like your age and driving record, along with each insurer’s individual calculation formula, this is only to be expected. Price isn’t everything either: claim handling and customer service are also important qualities to review when choosing an insurer.
State Farm
, GEICO
, Progressive
, Allstate
, USAA
, and Liberty Mutual
tend to be popular insurers among South Ozone Park policyholders. But let’s take a look at how different South Ozone Park customers reviewed them on a scale of 0 to 5.| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
| Progressive | 4.4 | 3.7 | 4.3 | 4.2 |
State Farm | 4.1 | 3.7 | 4.4 | 4.1 |
Geico | 3.8 | 3.4 | 3.9 | 3.9 |
Farmers | 3.5 | 2 | N/A | 2 |
Liberty Mutual | 3.3 | N/A | N/A | 3.3 |
Best cheap car insurance quotes in South Ozone Park
Drivers in South Ozone Park are legally required to carry New York’s minimum liability coverage, uninsured motorist coverage, and personal injury protection (PIP)—but you may want to consider full coverage for added financial protection.
Cheap minimum liability insurance quotes in South Ozone Park
As per New York car insurance laws, South Ozone Park drivers must carry the state’s minimum coverage limits to legally drive on NY roads.
The state’s minimum car insurance coverage includes:
- $10,000 per accident ofproperty damage liability coverage
- $25,000 per person / $50,000 per accident ofbodily injury liability coverage
- $25,000 per person / $50,000 per accident of bodily injuryuninsured motorist coverage
- $50,000 ofpersonal injury protection
We’ve compiled some examples of South Ozone Park policyholders that recently used Jerry to get the state’s minimum liability coverage.
Safeco
Jeffrey (67 years old)
$146
per month
Plymouth Rock
Bertie (37 years old)
$167
per month
Kemper
Lloyd (45 years old)
$158
per month
Do you need more than minimum coverage in South Ozone Park?
New York’s car insurance requirements are fairly high compared to other states, but extra coverage is still a good idea for South Ozone Park drivers.
Additional protection like collision coverage could save you from costs associated with unexpected damages to your car. Increasing liability limits can also help prevent you from paying out of pocket—especially if you’re ever at fault in an accident resulting in a totaled vehicle (or more than one).
The risk of winter storms, heavy rain, and high winds in South Ozone Park causing non-collision damage to your car may also make a strong case for adding comprehensive coverage. This type of protection can also keep you financially secure against vandalism and vehicle theft.
The bottom line: For better financial protection in South Ozone Park, explore different coverage options. Consider full coverage with collision and comprehensive insurance, and add extra protection by increasing your liability limits.
Cheap full coverage car insurance quotes in South Ozone Park
New York’s minimum car insurance requirements are meant to protect drivers from paying out of pocket for repairs and replacements if an accident were to occur. But to protect your vehicle from repairs and replacements, full-coverage car insurance is the way to go.
- Collision coverage protects you from costs associated with repairing or replacing your vehicle after an accident
- Comprehensive coverage kicks in if your vehicle is stolen or requires repairs for non-collision damages
Typically, leased or financed vehicles require collision and comprehensive coverage.
Browse the table below to see how Jerry’s agents recently helped South Ozone Park customers obtain affordable full coverage policies.
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $498 | Ola, 59 Zip: 11420 | Honda Accord Sport SE |
• State Minimum Liability • Comp / Collision | Nationwide | $274 | Ophelia, 36 Zip: 11420 | Nissan Rogue S |
• State Minimum Liability • Comp / Collision | Kemper | $158 | Lloyd, 45 Zip: 11420 | Mercedes-Benz C 300 4matic |
• State Minimum Liability • Comp / Collision | New York Central Mutual | $347 | Helen, 27 Zip: 11420 | Toyota Camry XSE |
Last Updated Jan 29, 2025The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.Average cost of car insurance in South Ozone Park
After analyzing scores of insurance providers in South Ozone Park, we have discovered that the average price for minimum liability coverage amounts to be $154 per month or $1,848 per year. Additionally, residents of South Ozone Park can expect to pay an average of $278 per month or $3,336 per year for full coverage insurance.
| Insurance coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $170 | $2,044 |
Full coverage | $267 | $3,200 |
While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.
Average cost of car insurance in South Ozone Park by zip code
The cost of car insurance in South Ozone Park can greatly differ depending on your specific zip code. Each individual zip code within South Ozone Park has its own unique driving risks which directly factor into your insurance quotes. Living in a neighborhood notorious for higher rates of car thefts and accidents increases its risk profile, thereby increasing premiums.
In short, the degree of risk tied to your zip code is a key determinant of whether your coverage will come with a higher or lower price tag.
[AverageInsuranceTable]: insurance data empty
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Car insurance quotes in South Ozone Park by rating factors
Insurance companies in South Ozone Park use many rating factors when
deciding your auto insurance premium
: - Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
- Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
- Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
- Your mileage: High annual mileage can result in higher insurance costs.
- The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
- Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.
How Do Different Factors Impact Your Car Insurance Costs in South Ozone Park?
How Do Different Factors Impact Your Car Insurance Costs in South Ozone Park?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Education, occupation, employment status
Learn more abut the car insurance rating factors in South Ozone Park:
Cheap car insurance quotes in South Ozone Park after driving violations
Your driving history is one of the main factors that impact your insurance rate. You will be quoted higher if insurance carriers observe a history of violations or risky driving. Common driving violations that can raise your rates include:
Cheapest car insurance in South Ozone Park after speeding ticket
Speeding comes in different sizes. In South Ozone Park, repercussions are different for speeding 1–5 MPH, 6–10 MPH, 11–15 MPH, 16–20 MPH, and 21+ MPH over the speed limit.
Speeding is classified as risky—and depending on your speed, reckless—driving behavior, so a
speeding ticket
will typically increase your car insurance premiums. Despite this, many drivers with varying speeding tickets have used Jerry to save on car insurance. | Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 1-5 | Allstate | $58 | Gabriel, 30 Zip: 11420 | Mercedes-Benz Metris | • 100,000/300,000 Liability • Comp / Collision |
Speeding 6-10 | Progressive | $61 | Harriet, 33 Zip: 11420 | Mazda 5 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Jan 29, 2025 Cheapest car insurance in South Ozone Park after DUI
A
DUI violation
will certainly skyrocket your car insurance rate in South Ozone Park. New York laws strictly prohibit driving under the influence and a single offense is enough to significantly increase your premiums.While your rates will inevitably be higher after a DUI, they can still vary from one insurance provider to another. The best way to find the most affordable rate after a DUI is to compare rates from multiple carriers.
Jerry has successfully assisted countless drivers in acquiring cost-effective auto insurance rates following a DUI incident.
Belle (43 years old)
$85
per month
Cheapest car insurance in South Ozone Park after an at-fault accident
Car accidents
on your claim history can significantly impact your car insurance rates in South Ozone Park. This is because insurance providers look at your at-fault accidents to assess the level of risk you pose as a policyholder. Even though New York is a
no-fault state
, South Ozone Park drivers can still be deemed at fault for collisions and held responsible for another driver’s property damages. Having an at-fault accident on your record can lead to as much as 15% higher rates. Fortunately, Jerry has helped many South Ozone Park drivers find affordable rates even with at-fault accidents in the recent past.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $498 | Troy, 58 Zip: 11420 | Honda Accord Sport SE | • State Minimum Liability • Comp / Collision |
Not At Fault | Safeco | $248 | Lou, 29 Zip: 11420 | Toyota Camry SE | • State Minimum Liability |
Travelers | $299 | Kyle, 34 Zip: 11420 | Hyundai Tucson SE | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Jan 27, 2025Cheapest car insurance in South Ozone Park after other driving violations
Speeding tickets, DUIs, careless driving, and
suspended licenses
on your driving record can all lead to rate hikes from any car insurance provider in South Ozone Park.Here’s a list of different driving violations and how we’ve helped drivers save on their car insurance expenses after these infractions.
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Failure to Obey Signal | Progressive | $392 | Lou, 41 Zip: 11420 | Ford Escape Titanium | • State Minimum Liability • Comp / Collision |
Failure to Obey Signal | Progressive | $392 | Milton, 41 Zip: 11420 | Ford Escape Titanium | • State Minimum Liability • Comp / Collision |
Last Updated Jan 29, 2025Cheap car insurance quotes in South Ozone Park by age
Young people and seniors generally face the highest insurance rates.
Due to their restricted driving backgrounds, young drivers typically pay more for insurance—especially in New York. Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid 70s.
Cheapest car insurance in South Ozone Park for young drivers
Car insurance can be high for everyone in South Ozone Park, but teen drivers between the ages of 16 to 19 usually receive higher-than-average rates—even if they have a clean driving record.
The likelihood of a teen driver filing an insurance claim can be quite high, as well. To stay well-protected on the roads, teen drivers should be on a policy with full coverage in case an accident occurs. Staying on a parent’s policy is an ideal way to keep those
teen car insurance
rates lower, too.
Maurice (24 years old)
$564
per month
Cheapest car insurance in South Ozone Park for senior drivers
Drivers can expect higher premiums once they reach 70 to 75 years old. These higher rates for
senior drivers
are supported by statistics that observe seniors as more likely to face accidents and subsequent injuries, incurring medical expenses and additional costs for insurance providers.
Travelers
Leon (66 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
South Ozone Park, NY (Zip Code: 11420)
$233
per month
Safeco
Jeffrey (67 years old)
$146
per month
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Courtney
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Audrey
Cheap car insurance quotes in South Ozone Park based on insurance history
Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
. Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
Andre (58 years old)
$498
per month
Leon (58 years old)
$512
per month
Safeco
Juan (38 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
South Ozone Park, NY (Zip Code: 11420)
$348
per month
Plymouth Rock
Harvey (48 years old)
$296
per month
Cheap car insurance quotes in South Ozone Park for drivers with poor credit
While having
a low credit score
doesn't necessarily make you a bad driver, it can still result in higher insurance costs. That’s because insurance providers have observed a correlation between lower credit scores and a higher probability of filing claims.As a result, individuals with “bad credit” may face increased premiums. According to our data, drivers with credit scores below 550 typically encounter car insurance rates approximately 20% higher compared to those with credit scores above 750.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Safeco | $348 | Christian, 38 Zip: 11420 | Nissan 370Z | • 50,000/100,000 Liability • Comp / Collision |
550 - 659 | Bristol West | $313 | Albert, 30 Zip: 11420 | Honda Accord Sport | • 15,000/30,000 Liability • Comp / Collision |
Last Updated Jan 29, 2025Cheap car insurance quotes in South Ozone Park for popular cars
Your insurance rate is based on multiple factors, including the type of car you drive. If your car might require expensive repairs or replacement, attracts high theft rates, or has poor safety ratings, your insurance premiums will likely be higher than if you had a low-risk vehicle.
Popular cars in South Ozone Park include:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Honda Accord Sport SE | Progressive | $498 | Andre, 58 Zip: 11420 | • State Minimum Liability • Comp / Collision |
Last Updated Jan 27, 2025Cheapest car insurance in South Ozone Park for new vs. old car
Your vehicle’s make and model aren’t the only things that matter—its age does, too. The cost of insuring a newer car in South Ozone Park is generally more expensive than that of an older car.
According to data, the average annual cost of full coverage insurance for a car that is 10+ years old in South Ozone Park is an estimated 22% less than the cost of insuring a vehicle that is 4 years old or newer.
Average insurance rates in South Ozone Park for vehicles based on age are:
- Vehicles 10 years or older: $218
- Vehicles less than 4 years old: $218
Anthony (46 years old)
$386
per month
Safeco
Jorge (30 years old)
$248
per month
Travelers
Frederick (35 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
South Ozone Park, NY (Zip Code: 11420)
$299
per month
Ophelia (36 years old)
$274
per month
Plymouth Rock
Carolyn (48 years old)
$296
per month
How to lower car insurance costs in South Ozone Park
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
How much is car insurance in South Ozone Park?
People living in South Ozone Park pay on average $154 per month – or $1,848 per year – on state-minimum liability coverage. Full coverage in South Ozone Park costs on average $278 per month of $3,336 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in South Ozone Park?
Based on thousands of South Ozone Park drivers Jerry has worked with, car insurance in South Ozone Park costs an average of $154 per month for state-minimum coverage and $278 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the minimum car insurance in South Ozone Park, New York?
The state-minimum car insurance in South Ozone Park, New York is $25,000 in bodily injury liability per person, $50,000 per accident, and $50,000 for damage to property. These coverages are commonly referred to as 25/50/50 coverage.
What is the best car insurance in South Ozone Park?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. ,
USAA
, and Nationwide
receive good ratings from South Ozone Park drivers, based on the largest car insurance survey in the nation conducted by Jerry.Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
15 Years Working in Insurance
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to Jerry’s rapid growth.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.
Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.