Looking for the best car insurance in Huntington? As an independent broker on Long Island, we compare rates from 15+ carriers to find you the best coverage at the lowest price.
1730 E Jericho Tpke, Huntington, NY 11743 · Mon-Fri 9-5, Sat 10-5
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Car insurance in Huntington, NY averages $2,200 to $3,800 per year — roughly $185 to $315 per month. That’s lower than the NYC boroughs but still above the national average, because Long Island’s high vehicle density and repair costs push premiums up.
If you carry only New York State minimum coverage, expect to pay $900 to $1,600 per year. But minimum coverage leaves you exposed — especially on the LIE and Route 110 corridors where accidents are frequent.
The good news? Huntington drivers pay significantly less than Queens or Brooklyn. And with the right independent broker, you can cut these averages by hundreds more.
| Long Island Area | Avg. Annual Cost | Avg. Monthly Cost |
|---|---|---|
| Huntington | $2,200 – $3,800 | $185 – $315 |
| Commack / Dix Hills | $2,000 – $3,500 | $167 – $292 |
| Melville / Farmingdale | $2,100 – $3,600 | $175 – $300 |
| Northport / East Northport | $1,900 – $3,200 | $158 – $267 |
| Babylon / Lindenhurst | $2,300 – $4,000 | $192 – $333 |
The best car insurance isn’t always the cheapest — it’s the policy that gives you the right coverage at a fair price. Here’s what Huntington drivers should look for:
The LIE, Northern State Parkway, and Route 25A see heavy commuter traffic. You need more than state minimums. The best car insurance in Huntington includes at least $100,000/$300,000 bodily injury, $50,000 property damage, and comprehensive coverage for theft and weather damage.
After an accident on Route 110 or in a Huntington Village parking lot, you need a carrier that processes claims fast. Progressive, Nationwide, and Travelers — all available through K&N — consistently rank among the best for claims satisfaction in New York.
National call centers don’t know that Huntington Station has different risk factors than Cold Spring Harbor, or that parking on New York Avenue affects your comprehensive rate. K&N’s Huntington office is at 1730 E Jericho Tpke — we know these roads because we drive them daily.
Captive agents (State Farm, Allstate, GEICO) can only quote their own company’s rates. K&N is an independent broker — we shop 15+ carriers to find the best car insurance rate for your specific situation in Huntington.
As an independent broker, K&N works with the top-rated carriers in New York. Here’s how they compare for Huntington and Long Island drivers:
K&N’s primary carrier. Best rates for drivers with clean records, multi-car households, and bundled policies. Progressive’s Name Your Price tool and Snapshot driving program offer additional savings. Consistently among the best car insurance options in Huntington.
Strong for homeowners who bundle auto + home. Excellent claims service and vanishing deductible program. Good rates for Huntington families with multiple vehicles.
Best for high-value homes and vehicles. IntelliDrive telematics program rewards safe driving on Long Island’s highways. Competitive rates for experienced drivers over 25.
Best rates for drivers 50+. If you’re an AARP member in Huntington, The Hartford offers exclusive discounts that other carriers can’t match.
Not sure which carrier is best for you? Call K&N at (631) 646-9090 — we’ll compare all of them in one call and tell you which offers the best car insurance rate for your situation.
Your zip code is one of the biggest factors in your car insurance rate. Even within the Huntington area, rates vary based on traffic patterns, theft rates, and claims history.
No matter which Long Island zip code you’re in, K&N can find you the best car insurance rate. We’re located at 1730 E Jericho Tpke in Huntington (11743) — right on the main corridor. We know these neighborhoods because we serve them every day.
K&N Insurance Brokerage serves drivers across Huntington and all of Long Island. Whether you’re in Commack or Cold Spring Harbor, we’ll find you the best car insurance rate.
11721 (Centerport), 11724 (Cold Spring Harbor), 11740 (Greenlawn), 11743 (Huntington), 11746 (Huntington Station), 11768 (Northport)
11725 (Commack), 11729 (Deer Park), 11731 (East Northport), 11735 (Farmingdale), 11747 (Melville), 11749 (Islandia)
11702 (Babylon), 11703 (North Babylon), 11704 (West Babylon), 11757 (Lindenhurst), 11758 (Massapequa), 11762 (Massapequa Park)
11709 (Bayville), 11771 (Oyster Bay), 11791 (Syosset), 11797 (Woodbury), 11803 (Plainview), 11801 (Hicksville)
11746 (Dix Hills area), 11722 (Deer Park area) — served by our Huntington office at 1730 E Jericho Tpke
| Coverage Type | Minimum Required |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage | $10,000 |
| Personal Injury Protection (PIP) | $50,000 |
| Uninsured Motorist (per person) | $25,000 |
| Uninsured Motorist (per accident) | $50,000 |
Our recommendation for Huntington drivers: State minimums are risky on Long Island. $10,000 in property damage won't cover a fender bender with a luxury vehicle in Cold Spring Harbor. We typically recommend $100,000/$300,000 for the best protection — and we'll find you the best car insurance rate that fits your budget.
Full coverage in Huntington averages $2,200-$3,800/year ($185-$315/month). Minimum coverage runs $900-$1,600/year. Rates vary by zip code, driving record, vehicle, and coverage level. Call (631) 646-9090 for a personalized quote.
The best carrier depends on your situation. Progressive offers the best rates for clean records and multi-car households. Nationwide is best for bundling with home insurance. Travelers excels for high-value vehicles. K&N compares all of them in one call.
Yes, significantly. Cold Spring Harbor (11724) and Northport (11768) tend to have lower rates, while Huntington Station (11746) and Melville (11747) are higher due to traffic density on Route 110. Two identical drivers can pay $400+ different annually based on zip code.
Use an independent broker like K&N to compare 15+ carriers. Take the NY Defensive Driving Course for a mandatory 10% discount. Bundle auto + home insurance. Maintain a clean driving record. Increase your deductible to $1,000 if you can afford it.
Usually, yes. GEICO and State Farm can only quote their own rates. K&N shops Progressive, Nationwide, Travelers, Hartford, and 10+ more carriers. We frequently save Huntington drivers $500-$1,500/year by finding the carrier with the best rate for their profile.
New York is a no-fault state — your own insurance pays your medical bills (up to $50,000 PIP) regardless of who caused the accident. This mandatory PIP coverage is why NY car insurance costs more than most states.
Yes. Our Huntington office at 1730 E Jericho Tpke serves all of Suffolk County and Nassau County — from Commack and Dix Hills to Babylon and Northport. We also have a Queens office at 182-03 Jamaica Ave for NYC drivers.
K&N Insurance Brokerage serves Huntington in English, Spanish, French, Arabic, and Russian. Call (631) 646-9090 or visit us at 1730 E Jericho Tpke.
K&N Insurance Brokerage is located at 1730 E Jericho Tpke in Huntington, NY. We're not a call center — we're your neighbors on Long Island. Walk in, call, or speak in your language. We'll compare the best car insurance rates from multiple carriers and give you honest advice.
One call. Multiple carriers. The best car insurance in Huntington, NY at the best price. Let K&N find you a better deal.
1730 E Jericho Tpke, Huntington, NY 11743 — Mon-Fri 9-5, Sat 10-5
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