For a 40-year-old driver with a clean record, car insurance in the Town of Oyster Bay averages about $324 a month ($3,891 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 13% above the New York average of $288 a month. Progressive has the lowest full-coverage average of the five insurers we price, about $113 a month.
One insurer pulls the Oyster Bay average down: Progressive’s full-coverage average for our driver is about $113 a month here. Without Progressive, the other four insurers in our data average about $377 a month, compared with $324 with it.
The Town of Oyster Bay, in Nassau County, is home to 301,332 people (2020 Census) and takes in villages such as Massapequa Park, Farmingdale and Sea Cliff and hamlets such as Hicksville, Syosset and Plainview. It stretches from Bayville on Long Island Sound to Massapequa on the South Shore.
Our town figures use the 14 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 14 ZIP codes in the Town of Oyster Bay, 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 Oyster Bay averages $3,891 a year, or about $324 a month, for our benchmark driver. Liability-only coverage at 25/50/10 limits averages $2,090 a year ($174 a month), and 50/100/50 liability with comprehensive and collision averages $3,655 ($305 a month).
Progressive has the lowest full-coverage average in our Oyster Bay 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 Oyster Bay
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 | $618 | $52 | $1,358 | $113 |
| GEICO | $1,085 | $90 | $2,833 | $236 |
| Allstate | $3,055 | $255 | $4,382 | $365 |
| State Farm | $2,335 | $195 | $4,511 | $376 |
| Travelers | $3,354 | $280 | $6,373 | $531 |
| USAA (military families)* | $1,809 | $151 | $2,561 | $213 |
| NYCM Insurance* | $1,068 | $89 | $3,001 | $250 |
| Erie Insurance* | $1,826 | $152 | $3,501 | $292 |
| Oyster Bay average | $2,090 | $174 | $3,891 | $324 |
This table uses Town of Oyster Bay 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 14 communities we price in the Town of Oyster Bay, full coverage for our driver ranges from about $311 a month in Bethpage (11714) to $349 in Glen Head (11545), a gap of $461 a year.
Lowest-priced Oyster Bay communities
Highest-priced Oyster Bay 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: |
|---|---|---|---|---|---|---|
| Bayville | 11709 | $1,923 | $160 | $3,770 | $314 | -3% |
| Bethpage | 11714 | $2,069 | $172 | $3,731 | $311 | -4% |
| Farmingdale | 11735 | $2,109 | $176 | $3,800 | $317 | -2% |
| Glen Head | 11545 | $2,191 | $183 | $4,192 | $349 | +8% |
| Hicksville | 11801 | $2,205 | $184 | $3,988 | $332 | +2% |
| Jericho | 11753 | $2,208 | $184 | $4,028 | $336 | +4% |
| Locust Valley | 11560 | $2,005 | $167 | $3,886 | $324 | About average |
| Massapequa | 11758 | $2,117 | $176 | $3,845 | $320 | -1% |
| Massapequa Park | 11762 | $2,115 | $176 | $3,821 | $318 | -2% |
| Oyster Bay | 11771 | $1,941 | $162 | $3,805 | $317 | -2% |
| Plainview | 11803 | $2,136 | $178 | $3,928 | $327 | +1% |
| Sea Cliff | 11579 | $2,011 | $168 | $3,871 | $323 | About average |
| Syosset | 11791 | $2,131 | $178 | $3,919 | $327 | +1% |
| Woodbury | 11797 | $2,093 | $174 | $3,896 | $325 | About average |
The Farmingdale ZIP code (11735) is mostly in the town, though it also serves East Farmingdale in the Town of Babylon. The City of Glen Cove isn’t part of any town; it averages about $323 a month in our data. Looking for the hamlet of Oyster Bay? It’s ZIP code 11771, which averages about $317 a month.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $236 a year in our Oyster Bay 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 Oyster Bay ZIP codes, full coverage averaged $3,920 a year in rates as of Nov. 30, 2025 and $3,891 as of Aug. 31, 2026, a 0.7% drop, but only because Progressive cut its Oyster Bay average 21.1%. The other four insurers’ average rose 1.2%, led by Travelers, up 7.4%. Liability-only coverage at 25/50/10 limits fell 2.9%.
Nassau County averages $4,434 a year for full coverage in our data, and the Town of Oyster Bay costs less than the county as a whole. Prices are tightly grouped across the town’s 14 communities, from about $311 to $349 a month.
The Town of Hempstead, next door, averages $400 a month, about $76 more than Oyster Bay for the same driver and car.
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 Huntington, to the east, averages $318 a month, and the Town of Babylon, to the southeast, $346.
Drivers in Oyster Bay 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 Oyster Bay averages about $324 a month ($3,891 a year) and liability-only coverage about $174 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 13% above the New York average of $288 a month. Without Progressive, the average is about $377 a month.
Progressive has the lowest full-coverage average in our Oyster Bay rate data, about $113 a month, followed by GEICO at $236. Every published 2026 New York rate study we reviewed also ranks Progressive cheapest for full coverage. For liability-only coverage, averages run from $52 to $280 a month across the five insurers. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes. In our data, the Town of Oyster Bay averages about $324 a month for full coverage and the Town of Hempstead about $400, for the same driver and car.
In our data, Bethpage (11714) has the lowest full-coverage average in the Town of Oyster Bay, about $311 a month, and Glen Head (11545) the highest, about $349. The community table on this page lists all 14.
In our Oyster Bay data, full coverage (100/300/100 with $500 deductibles) averages about $324 a month and liability-only coverage at 25/50/10 limits about $174, a difference of about $150 a month ($1,801 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, Oyster Bay full coverage fell 0.7% between November 2025 and August 2026, from about $3,920 to $3,891 a year, but only because Progressive cut its price 21.1%. The other four insurers’ average rose 1.2%.
