Car Insurance in New York

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Looking for cheap car insurance in New York?

New York is known for a lot of things, but cheap insurance isn’t one of them. The high population density and severe weather increase accidents and mean that premiums tend to be above average.
But where you live is only one of the factors that impacts your annual insurance rate. From Albany to Queens to anywhere else in the Empire State, using Jerry is the best way to find savings without having to sacrifice your coverage.
All you need to do is answer a few short questions and Jerry will generate competitive rates from more than 50 top providers. After you tailor your policy options and make your pick, Jerry takes care of the rest—switching you to your new policy, helping to cancel your old one, and sending you new quotes before every renewal.
Jerry is an expert at finding savings. Don’t believe us? Here are some quotes from real Jerry customers in New York:
Quote DateCarCityAgeCarrier
Before Jerry
After Jerry
April 9, 2021Chevrolet Cruze LTElmira48Plymouth Rock$119/mo.$62/mo.
January 21, 2021Ram 1500 Big Horn/Lone StarChittenango36Nationwide$136/mo.$91/mo.
January 10, 2021Jeep Grand Cherokee LaredoCommack28Safeco$256/mo.$131/mo.
May 4, 2021Chevrolet Equinox LTFresh Meadows46Travelers$281/mo.$173/mo.
April 17, 2021Mazda Cx-3 SportDeer Park39Progressive$330/mo.$282/mo.
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How much does car insurance cost in New York?

The average cost of basic liability car insurance in New York is $3,027 per year. Opting for full-coverage car insurance in New York will leave you with an average cost of $3,719 per year.

How does the annual cost in New York compare to the rest of the country?

In comparison, the national average is $1,764 per year to buy basic liability car insurance and $2,486 per year to buy full-coverage car insurance.
Why is car insurance so expensive in New York? There are a few reasons:
  • High population density, especially in the city of New York
  • Severe weather, including flooding and winter storms, that increases the likelihood of claims
  • Tourism that brings traffic and congestion to roadways
Here’s how the insurance savings with Jerry in New York compare to nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
National Average$2,491$1,672$2,359$1,390$2,763$1,962
NYNational Average
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
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Top auto insurance providers in New York

Drivers in New York are spoiled for choice when it comes to selecting an insurance provider. The state is home to plenty of reputable companies, including State Farm, Liberty Mutual, and Metlife.
Finding the right insurer for you isn’t always as easy as just picking one that looks good, though. Every insurer calculates premiums in a slightly different way than the next one. This means that getting quotes from four different companies will leave you with four different rates—even for the same coverage.
Factors like your age, driving history, and location all influence your annual premium. Unsurprisingly, so does your car. Driving a BMW 3-series, for example, will land you with a more expensive premium for full-coverage insurance than a Honda Civic because more expensive cars cost more to insure.
Jerry customers have found some great deals with various insurance companies in New York. Take a look:
Insurance Company
Average Cost
Annual Savings with Jerry
Dairyland$4,800$1,836Compare Prices
State Auto$4,320$1,788Compare Prices
Allstate$4,600$1,312Compare Prices
Safeco$3,926$1,207Compare Prices
Nationwide$2,777$1,128Compare Prices
National General$4,262$1,123Compare Prices
Travelers$4,048$1,029Compare Prices
Kemper$2,460$913Compare Prices
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What car insurance do you need in New York

All but two states have minimum insurance requirements that drivers must meet to legally get behind the wheel. In New York, you need at least the following:
Bodily injury liability$25,000 per person / $50,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$10,000 per accidentCovers the costs associated with damage you cause to other people’s vehicles or property
Driving without the mandatory minimums can land you in hot water, with penalties that include:
  • Fine of up to $1,500
  • Suspension of license + reinstatement fee of up to $750
  • Potential jail time
  • Vehicle impoundment
  • Financial liability in the event of an accident
Best practice is to purchase as much insurance coverage as you can afford. Here are some good options:
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Uninsured motorist coverageReimburses you for your expenses from an accident caused by an uninsured driver
Personal injury protectionCovers medical expenses, lost wages, and rehabilitation costs after an accident
Rental reimbursementReimburses you for your rental car expenses while your car is being repaired after a claimable accident
If you’re ready to get shopping, get Jerry.
Jerry is a comparison shopping app and licensed insurance broker. After compiling competitive quotes from dozens of providers—including top names like Travelers and Safeco—Jerry handles your policy switch from start to finish so that all you have to think about is how much you’re saving.
Now that you know what type of insurance you need, let’s break down the factors that impact the cost.

How is your cost of car insurance determined in New York?

While many factors contribute to your final insurance premium, perhaps none do more so than your age, driving record, location, and vehicle type.

Cost to insure your car in New York by age

Experience is a key indicator of risk, and insurers value drivers who are low risk. Unfortunately for young drivers, a lack of experience combined with risky behaviors and a high likelihood of accidents means very high insurance rates.
What young drivers in New York need to know
  • New York offers a 10% discount for three years for drivers who complete a state-approved, six-hour driver’s education course
  • Maintaining a good average can qualify student drivers for a good student discount
If you’re a young driver, don’t worry. Shopping around and maintaining a clean driving record are both great ways to find the lowest rates available to you.
No matter your age, comparison shopping with Jerry is the best place to start. Here are the average rates for drivers by age:
Age Group
Average Cost
Annual Savings with Jerry
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Cost to insure your car in New York with a poor driving record

Your driving record is also a strong indicator of your risk. If your record shows accidents, speeding tickets, and serious offenses like DUIs, expect sky-high rates for your New York car insurance for at least four years.
So, can you save money on car insurance if you have driving violations? Absolutely, and comparing rates between providers with Jerry is the easiest way to find a deal.
Here’s just a sample of the savings that Jerry customers with spotty driving records have found:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$4,070$1,169
Leaving scene of an Accident/Hit and Run$7,437$4,175
Open Container$5,280$3,696
Cell Phone$6,780$3,183
Defective Equipment$5,215$2,287
Driving on Sus. License$5,289$1,714
Failure to Obey Traffic Sign$4,818$1,489
Illegal Turn$4,576$1,413
Speeding under 15$4,447$1,338
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Cost to insure your car in New York based on where you live

New York is home to almost 19.5 million people, with about 416 people per square mile. In the Big Apple, though, you’ll find 40% of the population and a whopping 27,000 per square mile.
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.
So with that said, where you live in the state matters to insurance companies. Drivers in cities like New York tend to pay more than those in rural areas since urban centers have higher rates of accidents, thefts, and claims.
These are the top 10 cheapest cities for car insurance in New York:
Average Cost
Annual Savings with Jerry
New York$2,809$762
Staten Island$3,427$848

Cost to insure your car in New York based on the type of car you drive

It might seem obvious, but your car also plays a role in the calculation of your premium. Driving an “average” car like a Saturn Vue or Honda Civic will get you fairly reasonable rates.
Relatively inexpensive cars come with lower insurance premiums because they cost less to repair or replace if you’re in an accident. And driving less can also save you money since you’re less likely to get into an accident.
Insuring a pricier vehicle like a Volvo V60 or Mercedes-Benz C63 AMG, on the other hand, will push your premiums up.
Here’s what it costs to insure some popular makes and models with and without Jerry:
Average Cost
Annual Savings with Jerry
Cadillac CTS Luxury Collection$3,840$1,812
Toyota Prius$2,695$1,019
Honda Civic LX$2,596$833
Nissan Rogue S$2,576$700
Jeep Grand Cherokee Laredo$2,133$633
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How to save money on car insurance in New York

New York insurance rates are typically high, which means any savings are useful to drivers. Here are a few simple ways to bring those prices down.

Shop around for quotes

Shopping around is the best (but not always the easiest!) way to find lower rates. Using an app like Jerry makes it effortless.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. You just need to sign up and answer a few questions, and then Jerry gathers quotes from dozens of insurance companies in your area to find the best deals. Once you pick a policy, Jerry will finalize all the details and even help cancel your old one.
The average Jerry customer saves $879 per year on car insurance!

Look for discounts

Most insurance companies have a wealth of discounts available to policyholders. And if you qualify for more than one, they might even let you stack them for increased savings.
Here are some of the most popular ones for drivers in New York:
Discount typeWho is eligible?
Good driver discountsGood driver discounts are typically for New York drivers who have had a valid driver’s license for the past three consecutive years and have a clean driving record. This discount can usually save you up to 20% on your premium.
Defensive driving discountsA defensive driving course can help reduce your premium by 10% for three years thanks to a state law that helps young drivers find more affordable insurance.
Good student discountsGood student discounts can help reduce insurance premiums for young drivers, who typically have 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 discountsThe 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%.
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Increase your deductible

Your deductible is the amount you pay out of pocket for a claim before your insurance company covers the rest. Increasing your deductible will decrease your insurance premium.
That said, it’s important to ensure you can afford to pay the deductible in full each time you have to make a claim. If not, you could get into financial trouble in the event of an accident.

Registering your car in New York

To register a car in New York, bring the following to the DMV:
  • Valid driver’s license or ID card
  • Proof of insurance
  • Proof of sales tax payment
  • Car title or signed lease agreement
  • Smog check certificate
  • Safety inspection certificate
In New York, you must renew your vehicle registration annually. You can do it online, by mail, or in person at a DMV office.

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