Auto insurance
Car insurance for Long Island drivers
Whether it’s your first car or your fourth, we compare the carriers available to us and explain what New York requires. Clean record or not, we work to get you on the road legally.
Auto insurance from a local, independent broker
Every car registered in New York has to carry liability, no-fault and uninsured motorist coverage. What you pay for it depends on who is driving, what you drive, where the car is garaged and the insurer that writes the policy. That last part is where a broker helps.
All Suffolk Brokerage is an independent brokerage on Route 109 in West Babylon. We don’t work for one insurance company. We compare car insurance in Suffolk County and the rest of Long Island across the carriers available to us, then walk you through the trade-offs between price, limits and deductibles.
We write plenty of standard policies for experienced drivers and families. We also spend a lot of our day with drivers who have a harder time: new and teen drivers, college students at Stony Brook University and SCCC, and drivers with tickets, accidents or a lapse in coverage. When the regular market says no, we know the assigned-risk route through the New York Automobile Insurance Plan.
Either way, you get one local office to call for ID cards, changes, renewals and claims questions. If you’re buying a car, adding a driver or moving to a new town, call us first. A quick check before the change can save a surprise on your next bill.
Who it’s for
Drivers we help every week.
Families and experienced drivers
You have a clean record and want to know if you’re paying too much. We compare carriers and check your limits.
New drivers
First car, no insurance history. Some carriers will write you and some won’t. We know which is which and what each one will ask for.
Teen drivers and their parents
Adding a junior licensee changes a household premium. We price the options side by side, including which car the teen is listed on.
College students
Commuting to Stony Brook, SCCC in Selden, Brentwood or Riverhead, or Farmingdale State? We sort out whether you stay on a parent’s policy or need your own.
High-risk drivers
Tickets, points, an at-fault accident or a suspension. We look for high-risk auto insurance on Long Island in the voluntary market first, then the assigned-risk plan if needed.
Lapsed or canceled coverage
Canceled for non-payment or let a policy lapse? In New York that can put your registration at risk. Call us before it turns into a bigger problem.
What’s covered
What a New York auto policy can include.
The first four are required by state law. The rest are optional, and whether they make sense depends on your car, your loan or lease, and your budget.
- Bodily injury liability
- Pays for injuries you cause to others. New York’s minimum is $25,000 per person and $50,000 per accident, and $50,000 / $100,000 when the accident results in death.
- Property damage liability
- Pays for damage you cause to someone else’s car or property. The state minimum is $10,000 per accident, which doesn’t go far against a newer vehicle.
- No-fault (personal injury protection)
- Pays medical bills and some lost wages for you and your passengers regardless of who caused the accident, up to at least $50,000 per person.
- Uninsured motorist
- Protects you if you’re hurt by a driver with no insurance or a hit-and-run driver. The required minimum is $25,000 / $50,000.
- Supplementary uninsured/underinsured motorist (SUM)
- Optional higher limits that can help when the at-fault driver’s coverage is too low to pay for your injuries.
- Collision
- Pays to repair or replace your car after a crash with another vehicle or object, minus your deductible. Lenders and leasing companies usually require it.
- Comprehensive
- Covers theft, vandalism, fire, falling objects, flood and hitting a deer, minus your deductible.
- Rental and towing
- Optional add-ons that help with a rental car while yours is in the shop and with towing after a breakdown or accident.
New York & Long Island
Driving on Long Island comes with its own rules.
New York ties insurance to registration. Your insurer reports your coverage to the DMV, and if a policy ends without a replacement, the DMV can suspend the vehicle’s registration. Keeping coverage continuous matters for your record and for the price of your next policy.
Where you live matters too. Insurers rate by garaging ZIP code, so the same driver and car can price differently in Bay Shore, Ronkonkoma or Stony Brook. Long commutes and deer on North Shore and East End roads also shape the coverage people choose.
- Liability, no-fault and uninsured motorist coverage are required to register a car in New York
- A lapse in coverage can lead the DMV to suspend your registration
- Junior license holders on Long Island face tighter driving restrictions than in much of the state
- A DMV-approved defensive driving course (PIRP) may lower part of your premium and reduce points
How it works
Getting covered with All Suffolk Brokerage.
- Tell us about the drivers and the car
Call, text or send a quote request. We ask about licenses, driving records, the vehicle and your insurance history.
- We compare carriers available to us
We quote the standard and non-standard carriers that fit your situation and show you how the prices compare.
- Choose your coverage
We help you pick limits and deductibles that fit your car and budget. If the regular market declines you, we prepare an assigned-risk application.
- Get your ID cards and stay covered
Once the policy is issued, you get your New York insurance ID cards. At renewal, we take another look at your options.
What is the minimum car insurance required in New York?
New York requires bodily injury liability of $25,000 per person and $50,000 per accident ($50,000 / $100,000 for death), $10,000 in property damage liability, $50,000 in no-fault (personal injury protection), and uninsured motorist coverage of $25,000 / $50,000. These are minimums. Many drivers choose higher limits to protect their savings and home.
Why is car insurance expensive on Long Island?
Premiums reflect local factors such as traffic, repair and medical costs, and claim activity where the car is garaged. Your age, record, vehicle and limits also matter. We compare the carriers available to us so you can see how the price changes from one insurer to the next.
Can I get car insurance with a bad driving record in Suffolk County?
Yes. Tickets, accidents or a suspension may limit which carriers will write you, but they don’t mean you can’t be insured. We check non-standard carriers first. If none will take you, we can apply through the New York assigned-risk plan so you can drive legally.
What happens if my car insurance lapses in New York?
Your insurer notifies the DMV when a policy ends. If the car stays registered without insurance, the DMV can suspend the registration, and you may face penalties to restore it. If you’ve had a lapse or a cancellation for non-payment, call us as soon as you can so we can help you get coverage back in place.
Should my college student have their own policy?
It depends. A student who drives a household car and lives at home part of the year often stays on a parent’s policy. A student who owns and registers a car in their own name usually needs their own. We price both ways for families with students at Stony Brook, SCCC and other schools.
Do you only insure drivers in Suffolk County?
Suffolk County is home, and we work with drivers in Stony Brook, Selden, Centereach, Ronkonkoma, Brentwood, Bay Shore and the Town of Babylon every day. We also place auto coverage for drivers in Nassau County and throughout New York State.
Get an auto insurance quote from a local broker.
Tell us what you need covered. We’ll compare what’s available to you, explain how the options differ, and take care of the paperwork.