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.
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
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:
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.
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.
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.
Who is Eligible?
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 :
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.
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.