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Why Long Island Auto Insurance Rates Are Rising — And How to Save in 2025

  • john3766
  • Nov 13
  • 2 min read
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Auto insurance rates have gone up for many Long Island drivers over the past year. Even households with clean driving records are seeing higher premiums. According to industry data, several trends across New York are contributing to these increases.

Here’s what’s driving rates upward — and the most reliable ways Long Island drivers can potentially save.


Why Rates Are Increasing


Advanced Vehicle Technology

Modern cars use sensors, cameras, and safety systems that make repairs more complex. Even small accidents can lead to higher repair bills.


More Severe Accidents

Many insurers report higher claim severity due to speeding, distracted driving, and increased traffic compared to pre-pandemic levels.


Rising Medical & Legal Costs

Medical treatment, physical therapy, and litigation expenses continue to rise across New York, which impacts claim costs.


Fraud & Staged Accidents

Downstate NY sees higher levels of fraudulent and exaggerated injury claims, which can contribute to higher premiums for everyone.


Why Long Island Is Affected More

Drivers in Nassau and Suffolk County often see higher premiums due to:

  • Dense traffic and congestion

  • Higher repair and labor costs

  • More expensive vehicles

  • Increased accident frequency

  • Coastal weather risks


These local factors make Long Island one of the costlier regions for auto insurance in the state.


Ways Long Island Drivers Can Save in 2025


1. Have an Independent Agency Shop for You

The easiest way to find better pricing is to compare multiple carriers. As an independent agency, The Town Agency can review many companies and help you choose coverage that fits your needs.


2. Bundle Auto + Home (or Renters, Umbrella, Landlord)

Most insurers offer meaningful discounts when you combine policies under one company.


3. Consider a Safe-Driver App

Many carriers offer optional telematics programs that may reward good driving habits with discounts.


4. Review Deductibles & Coverage Levels

Adjusting deductibles or removing unused coverages can help reduce premiums — without sacrificing important protection.


5. Maintain Strong Credit

In New York, credit-based insurance scoring can influence premiums. Maintaining good credit may help keep rates lower.


When to Review Your Policy

It’s a good idea to compare rates:

  • At each renewal

  • If you see an unexpected increase

  • After moving, buying a car, or changing jobs

  • When bundling home and auto policies


Ready to See If You Can Save?

Since 1968, our family-owned agency in Garden City has helped Long Island drivers find strong coverage at fair pricing.

👉 Start your auto quote: https://www.thetownagency.com/get-a-quote📞 516-294-1000

 
 
 

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