Report: Insurance Rate Hikes across Long Island Towns 2014-2017

Despite already being one of the most expensive places for home and auto insurance in New York, Long Island premiums have increased an average of $110 since 2014. Some towns experienced increases as much as $269 in that same time - even accounting for inflation. Rising insurance prices have been a trend across the country due to a high number of severe storms and an increase in car accidents. The Island appears to have been hit harder than the rest of the country; rates on Long Island rose twice as fast compared to the national. Below is a more in-depth local analysis of how the rate increases were distributed.

Where Have Rates Gone Up the Most on Long Island?

Cities located on the North Shore of Long Island tended to see the greatest increases to their home and auto rates compared to the center of the Island and southern shore. 25 out of 30 towns that have a shoreline on the Sound saw rate increases of more than $75, with five seeing increases of greater than $175 (adjusted for inflation).

RankTownAuto+Home 2017Rate IncreasePercent Change
1Shelter Island Heights$2,749$26910.8%
2Shelter Island$2,664$26110.9%
3Bar Harbor, Massapequa Park$2,882$2107.9%
4Garden City, Garden City South, Mitchell Field, Roosevelt Field, Stewart Manor$2,888$2107.8%
5Southold$2,693$2078.3%
6East Setauket, Old Field, Poquott, Setauket, Strongs Neck$2,929$2027.4%
7Cold Spring Harbor$2,982$1947.0%
8Atlantic Beach$2,741$1887.3%
9Bayville$2,696$1837.3%
10Stonybrook$2,899$1766.5%
11Brookville, Glen Head, Old Brookville, Upper Brookville$2,908$1756.4%
12Hewlett, Hewlett Bay, Hewlett Bay Park, Hewlett Harbor$2,860$1746.5%
13Centerport$2,866$1696.3%
14Port Jefferson Station, Terryville$2,655$1626.5%
15Merrick, North Merrick$2,918$1615.8%
16East Williston, Williston Park$2,804$1606.1%
17Brightwaters$2,900$1585.8%
18Albertson$2,837$1585.9%
19Wading River, Wildwood, Willwood$2,872$1585.8%
20Sea Cliff$2,720$1576.1%
21Woodbury$2,830$1575.9%
22Harbor Hills, Saddle Rock$2,740$1576.1%
23Carle Place$2,645$1556.2%
24Bay Hills, Baycrest, Beech Croft, Cold Spring Hills, Halesite, Harbor Heights, Huntington, Huntington Bay, Knollwood Beach, Lloyd Harbor, Lloyd Neck, West Hills, Wincoma$2,819$1555.8%
25Garden City Park, Herricks, Lakeville Estates, Manhasset Hills, New Hyde Park, North Hills, North New Hyde Park$2,787$1555.9%
26Hicksville$2,725$1546.0%
27East Islip$2,801$1505.6%
28North Valley Stream, Valley Stream$2,724$1495.8%
29East Hills, Roslyn, Roslyn Estates$2,868$1495.5%
30Bellmore, North Bellmore$2,812$1485.6%
31Roslyn Heights$2,866$1485.4%
32East Norwich$2,817$1475.5%
33Nesconset$2,856$1475.4%
34East Massapequa, Massapequa, North Massapequa$2,795$1475.5%
35Mount Sinai$2,840$1475.4%
36Lawrence, Meadowmere Park, Sutton Park$2,713$1465.7%
37Old Bethpage$2,827$1455.4%
38East Hampton$2,603$1445.9%
39Blue Point$2,737$1435.5%
40Seaford$2,812$1435.4%
41Kings Park, San Remo$2,767$1425.4%
42Water Mill, Watermill, Wtr Mill$2,716$1415.5%
43Lakeview, West Hempstead$2,781$1405.3%
44Island Trees, Levittown, Plainedge$2,783$1395.3%
45Shoreham$2,900$1395.0%
46Melville$2,766$1375.2%
47Franklin Square$2,699$1365.3%
48Briar Park, North Wantagh, Wantagh$2,845$1365.0%
49Islip Terrace$2,783$1355.1%
50Bayberry Point, Islip, Islip Manor$2,715$1355.2%
51Oceanside$2,731$1345.2%
52Hicksville, Plainview$2,858$1334.9%
53Commack$2,816$1324.9%
54North Woodmere, Valley Stream$2,725$1315.1%
55Kenilworth, Kings Point$2,694$1315.1%
56Bay Point, North Haven, Pine Neck, Sag Harbor$2,630$1305.2%
57West Islip$2,817$1304.8%
58Deer Park, Deerpark$2,647$1295.1%
59Bethpage$2,682$1295.0%
60New Cassel, Westbury$2,648$1285.1%
61Old Westbury$2,945$1274.5%
62Baxter Estates, Harbor Acres, Manorhaven, Port Washington, Sands Point, The Terrace$2,668$1254.9%
63Old Westfield, Selden$2,647$1244.9%
64East Farmingdale, South Farmingdale$2,656$1204.7%
65Hewlett Neck, Woodmere, Woodsburgh$2,866$1204.4%
66East Quogue$2,666$1204.7%
67Rockville Centre$2,680$1194.7%
68Miller Place$2,841$1194.4%
69Baiting Hollow, Calverton$2,559$1184.8%
70Holbrook$2,701$1184.6%
71Lattingtown, Locust Valley, Matinecock$2,736$1174.5%
72Centre Island, Cove Neck, Laurel Hollow, Oyster Bay, Oyster Bay Cove$2,709$1164.5%
73Manhasset, Plandome, Strathmore$2,918$1164.2%
74Box Hill, Deer Wells, Flowerfield, Head of the Harbor, Nissequogue, Saint James$2,790$1154.3%
75East Moriches$2,626$1134.5%
76Lake Grove$2,729$1124.3%
77East Meadow$2,685$1114.3%
78Wheatley Heights, Wyandanch$2,577$1104.5%
79Mill Neck$2,833$1104.0%
80Greenport$2,358$1084.8%
81Orient, Orient Point$2,549$1074.4%
82Cherry Grove, Fire Island Pines, Sayville$2,733$1074.1%
83Cedarhurst$2,591$1064.2%
84Lake Panamoka, Panamoka, Ridge$2,478$1054.4%
85Smithtown$2,817$1043.8%
86Great Neck, Lake Success, University Gardens$2,820$1043.8%
87Carver Park, Yaphank$2,680$1024.0%
88Greenvale, Roslyn Harbor$2,853$1023.7%
89Alden Manor, Argo Village, Elmont, Locustwood, Meacham$2,647$1003.9%
90Bellerose Terrace, Bellerose Village, Bellrose Village, Floral Park, South Floral Park$2,693$993.8%
91Muttontown$2,937$993.5%
92Hither Plains, Montauk$2,493$974.1%
93Laurel$2,725$963.7%
94Lynbrook$2,604$963.8%
95East Northport, Elwood$2,789$963.5%
96Captree Island, Gilgo Beach, Oak Beach, Oak Island, West Gilgo Beach$2,690$943.6%
97Lake Ronkonkoma, Lake Ronkonkoma Heights, Ronkonkoma$2,661$943.7%
98Greenlawn$2,633$933.7%
99Dix Hills, South Huntington$2,728$923.5%
100Belle Terre, Port Jefferson$2,737$923.5%
101Rocky Point$2,724$903.4%
102West Babylon$2,594$903.6%
103Asharoken, Crab Meadow, Eatons Neck, Fort Salonga, Northport, Sunken Meadow$2,788$883.3%
104West Sayville$2,721$883.4%
105Center Moriches$2,632$873.4%
106Centereach, South Setauket$2,742$873.3%
107East Rockaway$2,649$863.4%
108Eastport$2,632$863.4%
109Mattituck$2,615$843.3%
110Manorville$2,704$843.2%
111Farmingville$2,713$823.1%
112Middle Island$2,475$803.4%
113North Sea, Southampton$2,555$773.1%
114East Atlantic Beach, Lido Beach, Long Beach$2,505$753.1%
115Mineola$2,521$753.1%
116Quioque, Westhampton Beach, Westhampton Dunes$2,542$743.0%
117Cutchogue, Nassau Point$2,589$742.9%
118Amity Harbor, Amityville, North Amityville$2,467$733.1%
119Canaan Lake, Davis Park, East Patchogue, North Patchogue, Patchogue$2,442$713.0%
120Bay Port, Bayport$2,675$702.7%
121Gordon Heights, Medford$2,619$702.7%
122Malverne$2,817$682.5%
123Copiague, Marconiville$2,477$682.8%
124Babylon, North Babylon$2,652$672.6%
125Holtsville$2,688$652.5%
126Oakdale$2,620$652.5%
127Roosevelt$2,529$632.6%
128Scotts Beach, Sound Beach$2,676$632.4%
129Hampton Bays$2,473$622.6%
130Allenwood, Great Neck, Great Neck Estates, Kensington, Russell Gardens, Saddle Rock Estates, Thomaston$2,552$592.4%
131Bay Shore, Bayshore, Fair Harbor, Kismet, North Bay Shore, Point O Woods, Saltaire, West Bay Shore$2,546$592.4%
132Baldwin, Baldwin Harbor, North Baldwin$2,718$592.2%
133Flanders, Northampton, Riverhead$2,376$592.5%
134Freeport$2,496$582.4%
135Heer Park, Lindenhurst, North Lindenhurst$2,603$562.2%
136Coram$2,521$552.2%
137Barnum Island, Harbor Island, Harbor Isle, Island Park$2,524$532.1%
138East Yaphank, Shirley$2,645$522.0%
139Manor Park, Mastic, Rivers Edge$2,553$512.0%
140Uniondale$2,562$512.0%
141East Marion$2,507$471.9%
142Glen Cove$2,419$461.9%
143Bohemia$2,615$451.8%
144Bellport, North Bellport$2,502$441.8%
145Brookhaven, South Haven$2,633$431.6%
146Brentwood, Edgewood, Pine Air, West Brentwood$2,547$411.6%
147Moriches$2,346$351.5%
148South Hempstead$2,292$331.5%
149West Hampton$2,632$321.2%
150Peconic$2,572$291.1%
151Central Islip, South Hauppauge$2,489$241.0%
152Corneil Estates, Fire Island, Ocean Bay Park, Ocean Beach, Seaview$2,590$130.5%
153Far Rockaway, Inwood$2,245$10.0%
154Mastic Beach, Old Mastic$2,509$15-0.6%

Only one town in our analysis, Mastic Beach, saw rates actually decrease by $15 after accounting for inflation. To see how your town ranked you can scroll in the table below. Note that several towns in Long Island go by more than one name, and not every name is reflected in the table.

Map shows how insurance rates have increased in different Long Island Neighborhoods

Nassau County vs Suffolk County

Nassau County saw an average increase of $122 compared to Suffolk's $101. Particularly on the South Shore, Nassau County towns were more impacted with rate hikes than Suffolk ones. On the South Shore, 16 of 19 Nassau towns saw increases larger than $75, with 11 being greater than $126. On the Suffolk South Shore however, only seven towns, which we had data for, saw increases greater than $126.

CountyInsurance Increase# of Towns
NassauLess than $7511
$75 to $12518
$126 to $17530
Greater than $1755
SuffolkLess than $7529
$75 to $12536
$126 to $17520
Greater than $1756

Against the Rest of New York State

The average rate increase for New York was $73--nearly half as much as the average $120 and $101 for Nassau and Suffolk County. In fact, of the 67 New York Counties, Nassau had the 3rd highest rate increases and Suffolk the 14th. Nassau and Suffolk were already the 2nd and 4th highest paying counties however for the two insurance policies--only adding on more to the bills LI residents pay every month.

RankCountyAuto + Home 2017 RateRate Increase Since 2014Percent Change
1Cattaraugus$2,293$1356.2%
2Putnam$2,737$1274.9%
3Nassau$2,723$1224.7%
4Westchester$2,681$1204.6%
5Jefferson$2,326$1195.4%
6Clinton$2,374$1104.9%
7Rockland$2,636$1094.3%
8Orange$2,590$1094.4%
9Greene$2,350$1044.7%
10Chautauqua$2,277$1024.7%
11Columbia$2,477$1014.3%
12Oswego$2,342$1014.5%
13Steuben$2,289$1014.6%
14Suffolk$2,662$1013.9%
15Sullivan$2,365$1004.4%
16Schuyler$2,357$994.4%
17Niagara$2,339$964.2%
18Saratoga$2,519$963.9%
19Delaware$2,289$944.3%
20Essex$2,338$944.2%
21Ulster$2,419$913.9%
22Allegheny$2,472$893.8%
23Lancaster$2,399$883.8%
24Chenango$2,294$843.8%
25Fulton$2,332$843.8%
26Schenectady$2,372$843.4%
27Cortland$2,391$833.6%
28Fayette$2,218$823.8%
29Seneca$2,334$803.6%
30Franklin$2,309$773.5%
31Tioga$2,386$763.3%
32Erie$2,316$743.2%
33Cayuga$2,401$743.2%
34Albany$2,385$733.1%
35Allegany$2,269$733.3%
36Broome$2,324$713.2%
37Madison$2,354$693.0%
38Dutchess$2,522$682.8%
39Livingston$2,349$683.0%
40Ontario$2,385$632.7%
41Warren$2,343$622.7%
42Lewis$2,327$622.7%
43Monroe$2,283$622.6%
44Queens$2,312$612.7%
45Yates$2,403$612.6%
46Schoharie$2,343$572.6%
47Otsego$2,340$572.5%
48Rensselaer$2,495$552.2%
49Richmond$2,455$542.2%
50Saint Lawrence$2,269$522.3%
51Onondaga$2,381$522.1%
52Montgomery$2,343$512.2%
53Kings$2,075$502.5%
54Herkimer$2,309$472.1%
55Wyoming$2,379$462.0%
56Chemung$2,370$441.9%
57Washington$2,354$411.8%
58Tompkins$2,417$391.6%
59Hamilton$2,314$381.8%
60Somerset$2,227$361.7%
61Genesee$2,380$351.5%
62Oneida$2,337$341.5%
63Beaver$2,273$341.5%
64Bronx$1,901$331.7%
65Wayne$2,318$190.9%
66Orleans$2,296$180.8%
67New York$2,153$50.3%

Methodology

2014 and 2017 data was obtained from Nielsen Insurance's CLOUT data. Data points reflect the average values for all people surveyed by Nielsen in a given zip code. To adjust for inflation, which was 3% between 2014 and 2017, we multiplied all 2014 values by 3% to convert them to 2017 dollars.

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