Drive with Confidence on Long Island Roads From the LIE to the back roads of the North Shore, we keep you moving.

Driving in New York presents unique challenges. Heavy traffic, weather hazards, and high repair costs mean that having the right auto

insurance is about more than just staying legal—it’s about financial survival.

At Sean Worth Allstate, we don't just quote you the state minimums and send you on your way. We help you build a policy that

protects your vehicle, your passengers, and your assets. With 70+ years of combined team experience, we know how to maximize

your protection while hunting down every available discount.

Customized Coverage for Every Stage of Life

We specialize in:

  • Standard Homeowners (HO-3): Comprehensive protection for single-family homes against fire, theft, and vandalism.

  • High-Value & Luxury Homes: Specialized packages for homes exceeding standard rebuild limits, including coverage for custom craftsmanship and architectural details.

  • Coastal Property Solutions: Expert navigation of hurricane deductibles and flood insurance requirements for homes in Port Jefferson, Setauket, and Nissequogue.

  • Secondary & Vacation Homes: protecting your getaway property on the East End or upstate.

More Than Just "Car Insurance

We offer tailored coverage options designed for the specific vehicles and drivers in your household.

Standard Auto Insurance

Reliable protection for your daily commute, covering Liability (Bodily Injury/Property Damage), Collision, and Comprehensive.

New Car Replacement

f your brand-new car is totaled within the first few model years, you shouldn't have to settle for the depreciated value. This coverage helps you get back into a new car.

Teen & Young Driver Protection

Adding a new driver in New York can be expensive. We help you navigate "Student Away at School" discounts and the steer clear programs to keep premiums manageable.

Classic & Luxury Vehicles

Specialized care for your weekend cruiser or high-performance vehicle. We understand that a 1969 Mustang or a new Porsche requires different coverage than a daily commuter.

Ways to Save Without Cutting Corners

We believe you shouldn't have to sacrifice coverage to get an affordable rate.

We help Selden and Suffolk County families save through smart policy structuring:

Bundle & Save

The single easiest way to lower your premiums is to bundle your Auto with Home, Renters, or Condo insurance.

Drivewise®

Get rewarded for safe driving. This app monitors your driving habits and can lead to significant cashback rewards.

Accident Forgiveness

Your rates shouldn’t skyrocket just because of one mistake. This feature helps keep your rates stable even after an at-fault accident.

Common Questions About NY Auto Insurance

What are the auto insurance requirements in New York State?

New York State requires all drivers to carry No-Fault coverage (Personal Injury Protection) to pay for medical expenses regardless of who caused the accident, as well as Liability coverage for Bodily Injury and Property Damage. However, state minimums are often insufficient for homeowners or high-net-worth individuals. We recommend reviewing your liability limits to ensure your personal assets are protected.

Does my auto insurance cover rental cars?

In many cases, your comprehensive and collision coverage may extend to a rental car within the US, but it depends on your specific policy limits. Before you rent a car for a vacation or business trip, give our office a quick call to verify your coverage so you can decline the rental counter insurance with confidence.

Why is car insurance so expensive on Long Island?

High traffic density, higher costs of medical care, and expensive vehicle repair rates in the NY metro area contribute to higher premiums. The best way to combat this is by bundling policies, maintaining a clean driving record, and reviewing your policy annually with a local agent like Sean Worth to find new discounts.

Local Experts, Not a Call Center

When you have an accident, the last thing you want is a generic call center rep who doesn't know where Middle Country Road is.

We serve neighbors throughout Suffolk County, offering personalized claims advice and policy reviews in:

  • Selden & Centereach

  • Stony Brook & Setauket

  • Port Jefferson

  • Mount Sinai & Miller Place

  • Holtsville & Farmingville

Get a Quote in Minutes.

Whether you just bought a new car or want to see if you're overpaying

on your current policy, let us run the numbers for you.

Information:

Address:

248- 260 Middle Country Rd #18

Selden, NY 11784

Phone:

Hours:

Monday 9am - 5pm

Tuesday 9am - 5pm

Wednesday 9am - 6pm

Thursday 9am - 5pm

Friday 9am - 5pm

Saturday 9am - 12pm

Closed Sunday

Burroughs We Serve in NY:

Manhattan, Bronx, Brooklyn, Staten Island and Queens

Counties We Serve in NY:

Suffolk and Nassau, Long Island and all of NY

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