Car Insurance in Hempstead, NY
Car insurance is not only a legal requirement in New York but a smart move to protect your vehicle and others on the road.
Hempstead, a suburb of New York City located in Nassau County, Long Island, dates back to 1644. With more than 25 historical sites and museums, residents of Hempstead can spend some serious time exploring their heritage. These citizens should ensure they comply with state law and carry car insurance in Hempstead to protect themselves and others on the road.
There are numerous reasons why car insurance in Hempstead is an important investment for all vehicle owners.
With 142 square miles to explore, Hempstead is America's largest township. This includes 65 parks and 2,500 miles of federal, state, county and town roadways. Although there is public transportation available in the Hempstead area, 59% of the residents of Hempstead drive themselves to work, with an average commute of almost 33 minutes. This all equates to a lot of driving.
Weather in Hempstead is much wetter than average, with an average of 45 inches of precipitation compared to the U.S. average of 38 inches. This precipitation includes rain, hail, snow or sleet, all of which make driving conditions much more hazardous for residents of Hempstead.
New York State Route 24, also known as Hempstead Turnpike, is one of New York's deadliest roads. Stretching for only 16 miles, this road was the scene of 19 fatalities between 2016 and 2020. Although the speed limit along the roadway is 30-40 in most areas, the average speed ranges between 50 and 65. Residents also report illegal drag racing in the area.
The miles of sightseeing, long commutes, bad weather conditions and dangerous roadways are not the only reasons for Hempstead vehicle owners to protect themselves and their property with car insurance. New York state law requires it. Drivers must carry liability coverage, uninsured motorist coverage and personal injury protection.
As you shop for car insurance in Hempstead, you may notice that the town's average full coverage premium of $3,510 is 12% higher than the New York state average. VIU by HUB can help you minimize your costs by providing quotes from a range of providers across the area. It is important to understand the types of coverage available to you.
If you cause an accident, collision coverage will help with the expenses of repair or replacement of your own vehicle. This coverage is usually optional, but it may be mandated if your vehicle is financed.
Liability insurance covers the cost of damage and injuries caused to others in an accident where you are at fault. This type of coverage is required in New York; drivers must carry at least $25,000 per person and $50,000 per accident.
If another driver causes your accident and they have no insurance or their insurance limits are too low to cover your bills, this type of coverage kicks in. New York State legally requires drivers to have uninsured/underinsured motorist coverage.
Comprehensive insurance is the most inclusive level of protection for your car. It covers damages due to issues including fire, hail, theft and vandalism. Comprehensive coverage is typically optional but is likely required for financed or leased vehicles.
Personal injury protection pays for your medical treatment and other expenses related to a car accident. New York law requires drivers to carry $50,000 of PIP coverage.
With the hazardous roads in Hempstead, residents face high car insurance premiums. Use VIU by HUB to shop available quotes and find the best deal.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
