Cheapest Insurance in New York 2021
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- Find cheapest car insurance New York
- Best insurance companies
- Minimum coverage
- Additional coverage
- Minimum coverage carriers
- Full coverage
- Full coverage carriers
- Cost by age
- Poor driving record insurance
- Carriers for poor driving record
- Young drivers poor driving record insurance
- Young drivers carriers for poor driving record
- Cost by car make
- Cost by city
- Lower costs
Whether you’re living along the shoreline of Lake Ontario or in the middle of Manhattan’s hustle and bustle, the state of New York requires you to have car insurance. And if you’re looking for affordable insurance, shopping around is the way to go.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in New York. And if you want to learn more about car insurance rates in New York, keep reading.
Find the cheapest car insurance in New York with Jerry
New York doesn’t make our list for the most expensive or the cheapest car insurance in the country—but securing coverage if you’re a New Yorker doesn’t come cheap. From severe weather to higher rates of insurance fraud, there are a number of reasons why premiums in New York tend to be higher than the national average.
If you’re looking for affordable coverage, using a comparison app can net you some serious savings.
Here’s how much Jerry customers were paying for car insurance in New York before they compared quotes and switched plans with Jerry:
Best insurance companies for cheap insurance in New York with Jerry
Minimum insurance requirements vary depending on where you live. In New York, drivers must be able to provide proof of the following coverage:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $10,000 property damage liability per accident
New York is a no-fault state, which means your own insurance company covers your damages and medical bills no matter who is at fault for an accident. In addition to the above, motorists in New York are required to carry $50,000 of no-fault coverage.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in New York:
Cheapest minimum coverage car insurance in New York
Additional coverages you might want to consider when shopping for car insurance in New York
|Risk Factor||Coverage to Condsider|
|High population density||With more drivers on the road, chances of an accident are high. Accident forgiveness coverage means that your insurance rates won’t go up after your first at-fault accident.|
|High crime rates||New York’s crime rates are higher than average. Purchase comprehensive insurance to make sure you are covered for break ins and theft.|
|Severe weather||New York often gets the tail end of tropical storms and hurricanes. Comprehensive insurance coverage protects your car from physical damage that may happen as the result of a weather event.|
It’s legal to drive in New York with only the mandatory minimum coverage, but local factors like high population density and theft rates make additional coverage a good idea.
Best carriers for minimum coverage car insurance in New York
Securing the minimum liability insurance required by New York law can save you some money on your annual premium while still ensuring you have the coverage you really need.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in New York:
Cheapest full coverage car insurance in New York
While sticking with the minimum required insurance can save you some money, it leaves you with a huge gap in coverage: your own vehicle.
Minimum insurance covers bodily injury and liability, but it doesn’t offer anything if you accidentally back into a parking garage pole and damage your car. For that, you’ll need full coverage.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Best carriers for full coverage car insurance in New York
Most insurance providers can offer you full coverage for your vehicle. When you’re choosing an insurance company, be sure to look beyond the price. Consider factors such as customer service, the claims process, and reviews from past and current customers.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in New York:
Cost to insure your car in New York by age
Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
New York State tries to help offset these costs by offering reduced rates for young drivers who complete a state-approved, six-hour driver’s education course. State law mandates that insurers must provide at least a 10% discount that lasts for three years—the same duration as the ‘new driver’ designation.
If you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Cost of insurance for drivers in New York with a bad driving record
Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
New York uses the point system—and while points only stay active on your driving record for 18 months, they remain inactive and visible for up to four years. During this time, the insurance company can use them to justify increased premiums.
The good news is Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
|Passing School Bus||$3,360||$2,888|
|Speeding under 15||$4,690||$3,192|
|Failure to Obey Traffic Sign||$4,816||$3,251|
|Speeding over 15||$4,508||$3,324|
Best carriers for drivers with infractions in New York
Cost of insurance for young drivers in New York with a bad driving record
Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Since points in New York remain visible on the driver’s record for up to four years, young drivers could find that a prior violation negatively affects their insurance rates beyond the end of their status as a new driver.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
|Driving on Sus. License||$4,454||$2,922|
|Failure to Obey Traffic Sign||$3,947||$3,063|
|Speeding under 15||$4,686||$3,279|
|Speeding over 15||$5,118||$3,808|
Best carriers for young drivers with infractions in New York
If you’re looking for the most affordable insurance for a young driver with a not-so-great driving record in New York, check out these top carriers.
Young drivers are already deemed higher risk by insurers, and a moving violation only adds to this. Comparing rates from various providers can help find the most affordable premiums.
Types of discounts that might be available to you in New York
Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in New York.
Here are some to keep an eye out for:
- Customer loyalty (e.g., bundling, early renewal)
- Demographic (e.g., good student, senior)
- Driver affiliations (e.g., military, affinity)
- Driving history (e.g., accident-free, safe driver)
- Driver training (e.g., defensive driver course)
- Equipment-related (e.g., anti-theft, new car)
- Payment (e.g., auto-pay, paperless)
New York insurance companies have a range of discounts that they can offer to policyholders, some of which are mandated by the state for anyone who meets the set requirements. If you’re a driver with a good record, chances are you qualify for something.
|Discount Type||Who is Eligible?r|
|Good driver discounts||Good driver discounts are for California drivers who have had a valid driver’s license for the past three consecutive years, have no more than one point on their driving record, and have no serious driving-related convictions. This discount is mandated by state law and saves drivers 20% on their car insurance premium.|
|Defensive driving discounts||A defensive driving course can help reduce your premium by 10–15%. They teach drivers how to better assess road, traffic, and weather conditions to avoid accidents. The classes are mandatory for young drivers in California, but drivers of any age can take them to benefit from the discount.|
|Good student discounts||Good student discounts can help reduce insurance premiums for young drivers, who typically have sky-high rates until they turn 25. Full-time students who maintain a B average may qualify for savings up to 25% through their insurer.|
|Multi-car and bundling discounts||The more products you insure with a single company, the more you’re likely to save. Insuring multiple cars or bundling policies (like home and auto) together can net you savings up to 25%.|
How much does it cost to insure my car make in New York?
No matter if you’re a celebrity in a shiny black Escalade or just trying to make your daily commute in downtown traffic with your trusty Honda, you need the right car insurance coverage at the best price (to protect you from all those taxis whirring around).
Standard, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry :
Cheapest car insurance in New York by city
Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
New York is home to the most densely populated area in the US. New York City has more than 27,000 people per square mile—and about 40% of the state population lives there. There’s lots of people, lots of traffic, and lots of theft.
The state is also no stranger to inclement weather, including severe winter storms and remnants of hurricanes that can bring flooding. And with living costs rising, a growing number of people are choosing to drive uninsured or underinsured, which raises the risk (and premiums) for everyone.
Additional ways to lower your car insurance
To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium—but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Want to find out if you’re overpaying? Let Jerry do the work for you.
Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.
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Browse questions from our car experts
Do companies limit how often you can use roadside assistance?
My dad told me that I'm only allowed to use roadside assistance twice a year with our Esurance roadside assistance. Is this true? Are there limits on how often you use it?
Jun 24, 2021
Can you use someone else's roadside assistance?
My mom has AAA and she said I could use the card whenever. I don't have a card with my name on it, only hers. Would I still be able to use it?
Jun 24, 2021
Can car insurance companies remove roadside assistance for frequent usage?
Are companies allowed to remove roadside assistance due to overuse? I have an old car and have had to tow it a bunch recently. What should I do?
Jun 24, 2021
Who offers 24-hour roadside assistance?
Are there any companies that offer both 24-hour service and free towing?
Jun 24, 2021
Where can you get free roadside assistance?
Is there a way to get free roadside assistance? I already have car insurance.
Jun 24, 2021
Frequently asked questions
How much does it cost to use Jerry?
Jerry's services are 100% free of charge. There are no hidden fees and no surprise add-ons at the last minute.
What kind of insurance can Jerry help with?
Jerry currently shops for car, home, renters, and umbrella insurance.
Which insurance companies will I get quotes from?
Jerry shops with up to 45 insurance companies. These include Progressive, Nationwide, Travelers, Mapfre, National General, Mercury, AAA and others. If you want Jerry to shop at any specific companies, just let him know. You can email the member service team at firstname.lastname@example.org or call 1-833-445-3779 (M-F 8am-5pm PT).
Does Jerry mark up the quotes from the insurance companies?
No. Jerry does not mark up the price. The quotes we send to you are the same as those you’d get if you’d shopped yourself.
Will Jerry sell my personal information? Will I be bombarded with phone calls and emails?
Absolutely not. Jerry takes your privacy very seriously. Jerry doesn’t even ask you for your email until you’re ready to switch your insurance to a new company. Jerry does not sell or share your contact information with any external companies. You will not be getting any phone calls or emails. All the communication happens through the mobile app. If you need help, you can request a call from one of our in-house licensed agents, but we don’t call to sell you insurance.
Do I have to wait until my current insurance policy is up for renewal before I can switch?
No, you don’t need to wait until you receive a renewal notice from your current provider. You can switch insurance policies anytime. By law, insurance companies must return any unused premium you have already paid for your policy. A few insurance companies may charge a small cancellation fee if you cancel before the end of the policy. Jerry will let you know the cancellation fee before you decide to switch the policy.
Is Jerry a licensed insurance agent?
Yes, Jerry Insurance Agency (license number 0M34848) is a licensed insurance broker, registered in the state of California. Jerry carries a $1m professional liability policy for your peace of mind.
How is Jerry better than my local agents or the online price shopping sites?
1. Jerry provides quotes from up to 45 insurance companies. Most online price comparison sites (and your local agent) will only provide quotes from a few insurance companies (usually the top 5 or 6 companies, and a handful of smaller brands) with whom they have contracts. You’re more likely to save money with Jerry because we work with top insurance companies.
2. Jerry’s mobile app makes managing your insurance policy a breeze. You can ask questions, upload documents, request changes, and much more. No more phone calls or emails back and forth.
3. With Jerry, you never have to think about insurance shopping again. Jerry will automatically shop you before your renewal date and send you quotes through the mobile app.
Will Jerry change my policy without my approval?
Absolutely not. Jerry will not make any changes to either your existing or your new policy without your approval. Jerry will shop for you before your policy renewal date and show you all your options in the app — it’s up to you to decide if you want to change your policy or not. If you ask Jerry to move forward with a quote you like, only then Jerry will do the paperwork to switch your policy.
Will having Jerry shop for quotes affect my credit score or current insurance rate?
No. Frequent shopping for car insurance quotes does not have an impact on your credit score or the cost of your insurance. In the state of California, a credit check is not required for getting quotes. In other states, insurance companies may run a credit check but it’s a “soft pull,” or fact check, of your credit, as opposed to a “hard pull,” which typically occurs when you apply for credit. Soft pulls, which are used for comparing car insurance rates, do not affect your credit score or rating, no matter how many quotes are obtained.
How can I contact customer service?
You can email the member service team at email@example.com or call 1-833-445-3779 (M-F 8am-5pm PT).