For a 40-year-old driver with a clean record, car insurance in the Town of Islip averages about $322 a month ($3,865 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 12% above the New York average of $288 a month. Progressive has the lowest full-coverage average of the five insurers we price, about $108 a month.
One insurer pulls the Islip average down: Progressive’s full-coverage average for our driver is about $108 a month here. Without Progressive, the other four insurers in our data average about $376 a month, compared with $322 with it.
The Town of Islip, in Suffolk County, is home to 339,938 people (2020 Census) and takes in four villages and hamlets such as Bay Shore, Central Islip, Sayville and West Islip. It runs along the Great South Bay from West Islip to Bayport, with Long Island MacArthur Airport near its eastern edge.
Our town figures use the 11 ZIP codes of the communities that lie wholly or mostly in the town, so you can look up your own community below.
Cost data comes from the auto rates insurers file with state regulators, priced across 11 ZIP codes in the Town of Islip, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Sept. 29, 2026.
Full coverage in the Town of Islip averages $3,865 a year, or about $322 a month, for our benchmark driver. Liability-only coverage at 25/50/10 limits averages $2,166 a year ($181 a month), and 50/100/50 liability with comprehensive and collision averages $3,634 ($303 a month).
Progressive has the lowest full-coverage average in our Islip data. Every published 2026 New York rate study we reviewed also ranks Progressive cheapest for full coverage, so we name it, though its lead in our data is wider than in those studies. NYCM Insurance, Erie and USAA aren’t in the Quadrant rate data we analyze, so their rows in the table are estimates.
Full-coverage averages by insurer in Islip
Monthly, for the same driver and car. Estimated insurers are in the table below, not the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $595 | $50 | $1,294 | $108 |
| GEICO | $1,418 | $118 | $3,388 | $282 |
| Allstate | $3,194 | $266 | $4,367 | $364 |
| State Farm | $2,450 | $204 | $4,427 | $369 |
| Travelers | $3,175 | $265 | $5,848 | $487 |
| USAA (military families)* | $1,876 | $156 | $2,543 | $212 |
| NYCM Insurance* | $1,107 | $92 | $2,981 | $248 |
| Erie Insurance* | $1,893 | $158 | $3,477 | $290 |
| Islip average | $2,166 | $181 | $3,865 | $322 |
This table uses Town of Islip ZIP codes only. See how we calculated these rates.
Long Islanders usually know their community’s name, not their town’s, so this table lists each community by its post office name and ZIP code. Across the 11 communities we price in the Town of Islip, full coverage for our driver ranges from about $294 a month in Sayville (11782) to $369 in Central Islip (11722), a gap of $900 a year.
Lowest-priced Islip communities
Highest-priced Islip communities
Search the table for your community or ZIP code. The last column shows how far each one is above or below the town average.
| Community: | ZIP Code: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. Town Average: |
|---|---|---|---|---|---|---|
| Bay Shore | 11706 | $2,501 | $208 | $4,303 | $359 | +11% |
| Bayport | 11705 | $1,918 | $160 | $3,532 | $294 | -9% |
| Bohemia | 11716 | $1,963 | $164 | $3,610 | $301 | -7% |
| Central Islip | 11722 | $2,635 | $220 | $4,428 | $369 | +15% |
| East Islip | 11730 | $2,162 | $180 | $3,852 | $321 | About average |
| Holbrook | 11741 | $1,956 | $163 | $3,566 | $297 | -8% |
| Islip | 11751 | $2,313 | $193 | $4,079 | $340 | +6% |
| Islip Terrace | 11752 | $2,296 | $191 | $4,079 | $340 | +6% |
| Oakdale | 11769 | $1,989 | $166 | $3,620 | $302 | -6% |
| Sayville | 11782 | $1,915 | $160 | $3,528 | $294 | -9% |
| West Islip | 11795 | $2,181 | $182 | $3,915 | $326 | +1% |
Hauppauge (11788) is split between Islip and Smithtown, and Ronkonkoma (11779) between Islip and Brookhaven, so we leave both out of the town average; they average about $312 and $297 a month. Looking for the hamlet of Islip? It’s ZIP code 11751, which averages about $340 a month. Brentwood (11717) isn’t in our rate sample; nearby Bay Shore and Central Islip are the closest guides.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $231 a year in our Islip data, with the same $500 deductibles. That’s about $19 a month for three times the injury protection per crash and double the property damage limit.
It depends on the insurer. Comparing the same insurers in the same Islip ZIP codes, full coverage averaged $3,911 a year in rates as of Nov. 30, 2025 and $3,865 as of Aug. 31, 2026, a 1.2% drop, but only because Progressive cut its Islip average 21.9%. The other four insurers’ average rose 0.7%, led by Travelers, up 6.9%. Liability-only coverage at 25/50/10 limits fell 3.9%.
Suffolk County averages $3,608 a year for full coverage in our data, and the Town of Islip runs a little above it. Bay Shore and Central Islip cost the most, at about $359 and $369 a month.
The eastern communities cost less: Sayville and Bayport both average about $294 a month and Holbrook $297.
More New York cities and towns are in the New York rates by city table, and you can compare states on our car insurance rates by state page.
The Town of Babylon, to the west, averages $346 a month, and the Town of Brookhaven, to the east, $298.
Drivers in Islip follow New York’s rules. Every policy must include at least:
Our New York requirements guide covers no-fault benefits, optional coverage and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from the New York State Department of Financial Services and the New York DMV. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in the Town of Islip averages about $322 a month ($3,865 a year) and liability-only coverage about $181 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 12% above the New York average of $288 a month. Without Progressive, the average is about $376 a month.
Progressive has the lowest full-coverage average in our Islip rate data, about $108 a month, followed by GEICO at $282. Every published 2026 New York rate study we reviewed also ranks Progressive cheapest for full coverage. For liability-only coverage, averages run from $50 to $266 a month across the five insurers. Rates vary by driver, so compare quotes for your own car and ZIP code.
Sayville. In our data, Sayville (11782) averages about $294 a month for full coverage and Bay Shore (11706) about $359, for the same driver and car.
In our data, Sayville (11782) has the lowest full-coverage average in the Town of Islip, about $294 a month, and Central Islip (11722) the highest, about $369. The community table on this page lists all 11.
In our Islip data, full coverage (100/300/100 with $500 deductibles) averages about $322 a month and liability-only coverage at 25/50/10 limits about $181, a difference of about $141 a month ($1,699 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
It depends on the insurer. Comparing the same insurers and ZIP codes, Islip full coverage fell 1.2% between November 2025 and August 2026, from about $3,911 to $3,865 a year, but only because Progressive cut its price 21.9%. The other four insurers’ average rose 0.7%.
