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Cheapest Car Insurance in New York (Oct 2024)
Cheapest Car Insurance in New York (Oct 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in New York.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance quotes in New York
- Cheapest car insurance companies in New York
- New York Car Insurance Coverage Requirements
- New York Car Insurance Rating Factors
- How Do Different Factors Impact Your Car Insurance Costs in New York?
- Car Insurance for High-Risk New York Drivers
- Car Insurance for New York Drivers With DUI
- Car Insurance for New York Drivers With a Coverage Lapse
- Car Insurance for New York Drivers With a Low Credit Score
- New York Car Insurance Cost by Age
- Cheapest car insurance for popular cars
- Car insurance cost for new vs. old car
- New York Insurance Cost by Zip Code
- How to lower the cost of car insurance in New York
- FAQs
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance quotes in New York
There isn’t a specific provider that serves the best
car insurance
to everyone. To find the best rate for your policy, you should shop around
and compare quotes from multiple auto insurance companies. Every month, thousands of wise car insurance shoppers in New York come to
Jerry
Insurance Agency to compare and buy car insurance in the most efficient way. | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
| Progressive | $568 | Chris, 29 | Ford Explorer Limited | • 50,000/100,000 Liability • Comp / Collision |
| Travelers | $148 | Floyd, 33 | GMC Terrain SLE | • 100,000/300,000 Liability • Comp / Collision |
| Bristol West | $291 | Landon, 29 | Honda CR-V LX | • State Minimum Liability • Comp / Collision |
| Mercury | $251 | Ann, 41 | Ford Focus SE | • 50,000/100,000 Liability • Comp / Collision |
| State Auto | $95 | Catherine, 27 | Jeep Compass | • State Minimum Liability |
Last Updated Oct 11, 2024Cheapest car insurance companies in New York
Jerry administered the largest national insurance shopping survey to uncover which insurance company offers the cheapest
car insurance quotes
in New York. Our survey shows that there isn’t a specific car insurance company that provides affordable rates to every driver. Instead, each driver is offered unique rates from individual companies.
__ is considered to be the most affordable car insurance provider in New York, but customers have mixed reviews. Policyholders who participated in our survey gave it an average rating of __ out of 5 for costs. Some customers said their rates were great while others said their premiums were too expensive and consistently increasing.
State Farm, GEICO, Progressive, Allstate, USAA, and Liberty Mutual have the largest market shares in New York. Take a look at customer reviews for these providers.
| Insurance company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Bristol West | October 5, 2024 | 5 | "Great rate, great customer service, overall best insurance I've had in a long time" -Oscar |
| Root | October 1, 2024 | 4 | "Was looking for new auto insurance and this definitely worked for me! Premiums are very affordable and the claims ser...(read more)" -Marguerite |
| Assurance America | September 30, 2024 | 4 | "Saved me a few hundred dollars and has about the same coverage as my old plan" -Amanda |
| Amica | September 28, 2024 | 5 | "Is a great insurance company very please to have them as my car insurance" -Leona |
| Encompass | September 28, 2024 | 5 | "Encompass always assists me quickly and efficiently with any questions or problems I have. I like the service and cov...(read more)" -Ethel |
Last Updated Oct 15, 2024
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
To find the best rate, New York drivers should use a car insurance comparison app or website.
Jerry, a top insurance agency, offers a free app that enables customers to compare car insurance quotes and receive full-service support from their team of over 100 licensed insurance agents.
Minimum car insurance requirements for liability and full coverage in New York
Drivers in New York are legally required to carry minimum liability coverage, uninsured motorist coverage, and personal injury protection (PIP). Since New York has a lot of drivers, frequent heavy traffic, and high accident rates, consider full coverage for added financial protection.
Cheapest minimum liability coverage car insurance quotes in New York
As per New York car insurance laws, New York drivers must carry the state’s minimum coverage limits to legally drive on NY roads.
The state’s minimum car insurance coverage includes:
- $10,000 per accident ofproperty damage liability coverage
- $25,000 per person / $50,000 per accident ofbodily injury liability coverage
- $25,000 per person / $50,000 per accident of bodily injuryuninsured motorist coverage
- $50,000 ofpersonal injury protection
We’ve compiled some examples of New York policyholders that recently used Jerry to get the state’s minimum liability coverage.
Charlotte (34 years old)
$144
per month
Do you need more than the minimum coverage in New York?
New York’s car insurance requirements are fairly high compared to other states, but extra coverage is still a good idea.
Additional protection like collision coverage and comprehensive coverage could save you from costs associated with unexpected damages or theft to your car.
The bottom line: For better financial protection in New York, explore different coverage options. Consider full coverage with collision and comprehensive insurance, and add extra protection by increasing your liability limits.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Cheapest full coverage New York auto insurance quotes
New York’s minimum car insurance requirements are meant to protect drivers from paying out of pocket for repairs and replacements if an accident were to occur. But to protect your vehicle from repairs and replacements, full coverage car insurance is the way to go.
Full coverage includes
comprehensive
and collision coverage
. Collision coverage protects you from costs associated with repairing or replacing your vehicle after an accident, while comprehensive coverage kicks in if your vehicle is stolen or requires repairs for non-collision damages. Typically, leased or financed vehicles require collision and comprehensive coverage.
Browse the table below to see how Jerry’s agents recently helped customers obtain affordable full coverage policies.
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $257 | Jack, 50 | Toyota RAV4 XLE |
• State Minimum Liability • Comp / Collision | Safeco | $128 | Roy, 38 Setauket- East Setauket, NY | Ford Explorer Sport |
• 50,000/100,000 Liability • Comp / Collision | AAA | $195 | Agnes, 31 Rochester, NY | Subaru Forester 2.5I Premium |
• 50,000/100,000 Liability • Comp / Collision | Allstate | $389 | Fred, 42 | Honda Pilot Touring |
• 100,000/300,000 Liability • Comp / Collision | Travelers | $148 | Floyd, 33 | GMC Terrain SLE |
Last Updated Oct 14, 2024Average rates for minimum liability coverage and full coverage car insurance in New York
On average, New York’s minimum car insurance requirements cost drivers around$0 per month or $0 per year. Full coverage insurance typically costs an average of$0 per year or $0 per month.
Average car insurance rates can give you an idea of what your own insurance costs might look like, but each driver gets unique quotes from different carriers. These rates are based on several factors—your driving record, claims history, demographics, and the type of car you drive will all impact your premiums.
From our experience working with New York drivers, we’ve seen that insurance rates for the state’s minimum insurance requirements start at around $0 per month, while full coverage policies start at closer to $0 per month. The cost of an insurance policy in New York can vary by hundreds of dollars depending on each driver’s circumstances.
New York car insurance: Additional coverages
New York drivers are required to carry minimum liability coverage, including uninsured motorist coverage and personal injury protection (PIP). In addition to these mandated coverages, full coverage policies include collision and comprehensive coverage. For added financial protection, New York drivers can also opt for the following coverage types:
- Gap coverage
- Towing and labor coverage
- Rental reimbursement coverage
If you have a loan on a recently-purchased car: You should invest in
gap insurance
. If your vehicle happens to be stolen or deemed a total loss after an accident, gap insurance will pay the remainder of the loan after your policy limits are met. How Do Different Factors Impact Your Car Insurance Costs in New York?
How Do Different Factors Impact Your Car Insurance Costs in New York?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Education, occupation, employment status
Learn more abut the car insurance rating factors in New York:
How to find cheap New York car insurance if you’re a high-risk driver
Your driving history is one of the main factors that impact your insurance rate. You will be quoted higher if insurance carriers observe a history of violations or
reckless driving
. Cheapest car insurance for New York drivers with a speeding ticket
Speeding comes in different sizes. Repercussions are different for speeding 1–5 MPH over limit, 6–10 MPH over limit, 11–15 MPH over limit, 16–20 MPH over limit, and 21+ MPH over limit.
Speeding is classified under risky—and depending on your speed, reckless—driving behaviors, so a speeding ticket will typically affect your car insurance premiums. Drivers with varying speeding tickets have used Jerry to obtain car insurance savings.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
Speeding 6-10 | Travelers | $201 | Susie, 44 | • 100,000/300,000 Liability • Comp / Collision |
Speeding 11-15 | Progressive | $400 | Carl, 31 Ontario, NY | • 100,000/300,000 Liability • Comp / Collision |
Speeding 16-20 | Nationwide | $134 | Ricardo, 37 | • State Minimum Liability • Comp / Collision |
Speeding 21+ | Travelers | $217 | Dylan, 53 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Oct 14, 2024Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
No problems with process or app. Easy access and painless payments.
Joshua
They work hard for you so you don't have to and I promise there fast and efficient
Daisy
Have been so amazing! The prices are great glad jerry for this for me.
Savannah
Great rates and awesome coverage and never would have switched if it weren't for Jerry!
Shilo
How to find cheap New York auto insurance after a DUI
A
DUI violation
will certainly skyrocket your car insurance rate in New York. New York laws strictly prohibit driving under the influence, and a single offense is enough to significantly increase your premiums.While your rates will inevitably be higher after a DUI, they can still vary from one insurance provider to another. The best way to find the most affordable rate after a DUI is to compare rates from multiple carriers.
Jerry has successfully assisted countless drivers in acquiring cost-effective auto insurance rates following a DUI incident
Chris (37 years old)
$65
per month
New York SR-22 insurance
New York is one of six states that does not require high-risk drivers to fulfill an
SR-22 filing
after serious driving violations. Following a drivers license revocation or suspension, drivers in most states are required to file an SR-22 to reinstate their license and driving privileges. SR-22 filings are usually accompanied by higher minimum car insurance requirements at a steeper rate.
Although you will not need an SR-22 filing in New York, you will face higher premiums after a serious violation.
How to find cheap car insurance in New York after an at-fault accident
Car accidents
on your claim history can significantly impact your car insurance rates in New York.Insurance providers look at your at fault accidents to assess the level of risk you pose as a policyholder. Having a clean
driving record
with no at-fault accidents is an easy way to secure the lowest rates. | Accident Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | Progressive | $223 | Nicholas, 32 Maine, NY | • State Minimum Liability |
At Fault With No Injury | AAA | $174 | Evan, 38 Rochester, NY | • State Minimum Liability • Comp / Collision |
Not At Fault | Allstate | $389 | Lou, 41 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Travelers | $192 | Lucile, 36 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With Injury | Plymouth Rock | $329 | Rosie, 50 | • 100,000/300,000 Liability |
Last Updated Oct 14, 2024FAQ
Is New York an at-fault state?
No, New York is a
no-fault state
. In New York, policyholders typically receive reimbursement from their insurance provider for damages regardless of who was at fault. This is why New York drivers are legally required to hold high minimum car insurance requirements, including liability insurance, personal injury protection (PIP), and uninsured motorist liability insurance. Cheapest auto insurance after other violations in New York
Speeding tickets, DUIs, careless driving, and suspended licenses on your driving record can all lead to rate hikes from any car insurance provider in New York.
Here’s a list of different driving violations and how we’ve helped drivers save on their car insurance expenses after these infractions.
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $102 | Joshua, 38 Morrisonville, NY | Dodge Charger SE | • 15,000/30,000 Liability |
Cell Phone | Allstate | $273 | Mamie, 43 | Subaru Forester 2.5I Limited | • State Minimum Liability • Comp / Collision |
Defective Equipment | Safeco | $207 | Shawn, 48 | Nissan Rogue S | • State Minimum Liability • Comp / Collision |
Driving on Sus. License | Nationwide | $447 | Luis, 39 | Acura TLX Technology | • 100,000/300,000 Liability • Comp / Collision |
DUI | Mercury | $62 | Cole, 35 | Chevrolet Tahoe K1500 | • State Minimum Liability |
Failure to Obey Signal | Bristol West | $118 | Allen, 30 | Mitsubishi Outlander SE | • State Minimum Liability |
Illegal Turn | Allstate | $200 | Rebecca, 52 | Honda Odyssey EXL | • 100,000/300,000 Liability |
Improper Passing | Travelers | $217 | Stanley, 30 | Dodge Durango Limited | • 100,000/300,000 Liability • Comp / Collision |
Leaving scene of an Accident/Hit and Run | Bristol West | $220 | Luis, 36 | Dodge Durango Limited | • State Minimum Liability |
Open Container | Nationwide | $87 | Jeffrey, 50 | KIA Soul EX | • State Minimum Liability • Comp / Collision |
Passing School Bus | Progressive | $274 | Nora, 38 | Nissan Maxima 3.5S | • 100,000/300,000 Liability • Comp / Collision |
Seat Belt | Plymouth Rock | $359 | Ina, 30 | Nissan Altima 2.5 | • State Minimum Liability • Comp / Collision |
Speeding Violation-Major | National General | $140 | Anne, 51 | Honda Accord EX | • No Coverage Liability |
Speeding 6-10 | Infinity | $150 | Ruth, 31 Rochester, NY | Acura TSX | • 15,000/30,000 Liability |
Suspension | Safeco | $94 | Lois, 70 Falconer, NY | Ford Ranger | • 50,000/100,000 Liability • Comp / Collision |
Wrong Way/Wrong Lane | AAA | $142 | Joe, 37 Rochester, NY | Honda Insight EX | • State Minimum Liability • Comp / Collision |
Failure to show documents | Mercury | $148 | Norman, 28 Rochester, NY | Chevrolet Traverse LT | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Oct 15, 2024How to find cheap New York car insurance based on your insurance history
Your car insurance history will impact your car insurance rates, including whether you’ve had continuous car insurance.
Insurance providers view gaps in your insurance history as a sign of riskiness, so a
lapse in your insurance coverage
will typically incur higher insurance rates.Jerry’s all-car app offers payment reminders to help eligible customers avoid insurance lapses and make their payments on time.
We’ve also assisted customers find savings on their policies after an insurance lapse.
Joel (36 years old)
Currently Insured
Coverage30,000 per person
60,000 per accident bodily injury
Comp / Collision
$119
per month
Marcus (43 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$104
per month
Lucinda (40 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
$165
per month
Herman (30 years old)
$118
per month
Clearcover
Lee (46 years old)
$89
per month
How to find cheap New York car insurance with a low credit score
Insurance providers typically use
credit scores
to assess the risks associated with insuring an individual. Holding a good credit score is a sure way to score lower rates, but if your credit score is on the lower side, you may face a higher rate. Although your credit score has little to do with your driving experience or abilities, observations show that drivers with lower credit scores typically file more claims than those with high credit scores.
Our data shows that individuals with lower credit scores (under 550) pay approximately 20% more for the same coverage than those with higher credit scores (over 750).
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $82 | Thomas, 28 | Land Rover Range Rover Sport HSE | • State Minimum Liability |
660 - 750 | AAA | $293 | Milton, 28 | Tesla Model 3 | • 50,000/100,000 Liability • Comp / Collision |
550 - 659 | Travelers | $234 | Gertrude, 33 | Chevrolet Equinox LT | • 100,000/300,000 Liability • Comp / Collision |
< 550 | Travelers | $358 | Victoria, 38 | Acura MDX | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Oct 15, 2024Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
They were able to drop what I was paying for insurance in half
Megan
Was easy to switch and was very affordable
Hugo
Wonderful experience! Saving $77 a month!
Kaytlin
Fair prices, and helpful staff!
Tera
How to find cheap auto insurance in New York for your age
Young people and seniors generally face the highest insurance rates.
Due to their restricted driving backgrounds, young drivers typically pay more for insurance—especially in New York. Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid 70s.
The best car insurance companies in New York for young drivers
Car insurance can be high for everyone in New York, but teen drivers between the ages of 16 to 19 usually receive higher than average rates—even if they have a clean driving record.
The likelihood of a teen driver filing an insurance claim is quite high in New York. To keep them well-protected on the roads, teen drivers should be on a policy with full coverage in case an accident occurs.
Maggie (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$272
per month
Albert (24 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$383
per month
Clearcover
Craig (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$69
per month
The best car insurance companies for senior drivers in New York
Drivers can expect higher premiums once they reach 70 to 75 years old. These higher rates for
senior drivers
are supported by statistics that observe seniors as more likely to face accidents and subsequent injuries, incurring medical expenses and additional costs for insurance providers.Edward (67 years old)
$83
per month
Annie (70 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$157
per month
Herbert (67 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$173
per month
Cheapest car insurance for popular cars
Your insurance rate is based on multiple factors, including the type of car you drive.If your car might require expensive repairs or replacement, attracts high theft rates, or has poor safety ratings, your insurance premiums will likely be higher than if you had a low-risk vehicle..
Popular cars in New York include:
- Nissan Rogue
- Honda CR-V
- Chevy Equinox
- Toyota RAV-4
- Dodge RAM 1500
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota RAV4 HV LE | Progressive | $224 | Sophia, 33 | • 50,000/100,000 Liability • Comp / Collision |
| RAM 1500 ST | Allstate | $126 | Mittie, 35 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Oct 15, 2024Car insurance cost for new vs. old car
New cars feature high-tech upgrades and enhanced materials that older cars simply don’t have. On average, new cars are approximately 22% more expensive to insure.
Average insurance rates in New York for vehicles based on age are:
Vehicles older than ten years old: $0
Vehicles less than 4 years old: $0
Augusta (21 years old)
$213
per month
Gertrude (57 years old)
$411
per month
Myrtie (35 years old)
$135
per month
Clearcover
Lily (27 years old)
$116
per month
How to find cheap car insurance in NewYork in your city
When insurance companies consider many factors when administering your insurance rate, your parking or garage address is an important variable.
Population density, traffic, accident and crime rates, and weather patterns are all taken into account by your provider. Premiums can vary within the state—and even within the city where you live.
Scan the table below to discover how Jerry Insurance Agency has aided drivers from different New York cities with their insurance requirements.
| City | Customer | Insurance Company | Premium (monthly) | Car | Insurance coverage |
|---|---|---|---|---|---|
| Queens, NY | Hilda, 27 | Progressive | $93 | Hyundai Accent GLS | • No Coverage Liability |
| Webster, NY | Duane, 33 | Travelers | $148 | GMC Terrain SLE | • 100,000/300,000 Liability • Comp / Collision |
| Cheektowaga, NY | Violet, 32 | AAA | $313 | Saturn L200 | • State Minimum Liability |
| New York, NY | Gussie, 41 | Allstate | $165 | Mercedes-Benz G 550 | • 100,000/300,000 Liability |
| The Bronx, NY | Jared, 31 | Safeco | $60 | Honda Civic LX | • No Coverage Liability |
| Queens, NY | Landon, 29 | Bristol West | $291 | Honda CR-V LX | • State Minimum Liability • Comp / Collision |
| Brooklyn, NY | Eddie, 45 | Clearcover | $240 | KIA Optima LX | • 15,000/30,000 Liability • Comp / Collision |
| New York, NY | Dorothy, 28 | Infinity | $175 | Mitsubishi Mirage G4 ES | • No Coverage Liability |
| Jamestown, NY | Lloyd, 27 | State Auto | $95 | Jeep Compass | • State Minimum Liability |
| Hyde Park, NY | Sadie, 72 | Plymouth Rock | $376 | KIA Telluride SX | • No Coverage Liability |
| Buffalo, NY | Alta, 50 | Gainsco | $134 | Honda CR-V EX | • State Minimum Liability |
| Jamaica, NY | Harry, 41 | Mercury | $251 | Ford Focus SE | • 50,000/100,000 Liability • Comp / Collision |
| Brooklyn, NY | Evan, 34 | Assurance America | $190 | Hyundai Santa FE SEL | • State Minimum Liability |
| Brooklyn, NY | Noah, 25 | The General | $463 | Tesla Model 3 | • State Minimum Liability • Comp / Collision |
| Buffalo, NY | Lester, 32 | Encompass | $175 | Chevrolet Equinox LT | • 100,000/300,000 Liability • Comp / Collision |
| Queens, NY | Winnie, 24 | Embark General | $110 | Honda Odyssey EXL | • 20,000/40,000 Liability |
Last Updated Oct 14, 2024How to lower the cost of car insurance in New York
There are many ways you can lower your car insurance expenses in the Empire State. Here are some top recommendations from Jerry’s team of licensed insurance agents:
- Shop around and compare quotes from different providers.
- Bundle insurance products to get a multi-policy discount.
- Find out if you’re eligible fordiscountslike good driver discounts, safe driving discounts, good student discounts, low mileage discounts, and vehicle tech and safety discounts.
- Increase your deductible for your comprehensive and collision coverage.
- Improve your credit score.
- Take a defensive driving course.
- Think about removing collision and comprehensive coverage on older cars.
Why is car insurance so expensive in New York?
Car insurance in New York may seem expensive due to:
- High population density: New York has the fourth-highest population count in the country.
- Busy highways and frequent traffic: New York is notorious for traffic congestion, and packed roads go beyond NYC.
- Uninsured drivers: Each year, more and more drivers hit New York roads without insurance.
- Expensive healthcare: Expensive healthcare costs in New York lead to higher premiums, especially since PIP is required.
- High car theft and crime rates: From 2019 to 2020, there was a 66% increase in car thefts in New York, and the numbers continue to grow.
FAQs
Do you need car insurance in New York?
Yes. To register a car or legally drive a vehicle on New York roads, you must have car insurance.
How much is car insurance in New York?
Each car insurance provider uses a different formula to calculate a driver’s policy rate, so there isn’t one particular number from one specific carrier that reflects New York car insurance prices. To find the best rate, shop around and compare quotes from different carriers.
What is the average cost of car insurance In New York?
New York’s minimum car insurance requirements cost an average of $ per month and $ per year. The average cost for full coverage insurance in New York is $ per month and $ per year.
Why is car insurance so expensive in New York?
New York car insurance may be more expensive than other states due to high traffic and accident rates, high crime rates, and the fact that it’s a no-fault state with high rates of insurance fraud.
Who has the best cheap car insurance in New York?
Jerry’s survey of over 15,000 car insurance policyholders shows that there isn’t a particular insurance company offering the best insurance rates.
Using a comparison app or website to compare quotes from multiple insurance providers is the best way to find cheap auto insurance in New York
What is the minimum car insurance required in New York?
New York is a no-fault state with high minimum car insurance requirements:
- $10,000 per accident ofproperty damage liability coverage
- $25,000 per person / $50,000 per accident ofbodily injury liability coverage
- $25,000 per person / $50,000 per accident of bodily injuryuninsured motorist coverage
Do you need insurance to register a car in New York?
Yes, you will need insurance to register a car in New York. You’ll need to visit your local DMV office and provide your vehicle’s title, proof of insurance, proof of identity, a vehicle registration application, a statement of transaction, and payment for registration fees and taxes.
5
Can your car get towed for no insurance in New York?
Yes. If you are caught driving without insurance by law enforcement in New York, they can ticket you, arrest you, and impound your vehicle. You may also face a license and registration suspension.
6
How to get cheap car insurance in New York?
The best way to find cheap car insurance in New York is by shopping around to compare quotes from different providers. You can also bundle policies, seek out discounts from your provider, increase your deductibles for comprehensive and collision coverage, or consider removing collision and comprehensive coverage altogether.
What increases car insurance rates in New York?
A low credit score, moving violations on your driving record, a lapse in insurance coverage, and any at-fault accidents on your claims history can all increase your car insurance rates in New York. Your age, location, and the type of vehicle you drive can also impact your rates.
Does insurance follow the car or the driver in New York?
In New York, collision and comprehensive coverage, liability coverage, and uninsured motorist coverage
follow the vehicle
. Personal injury protection follows the driver.What does full coverage car insurance consist of in New York?
In New York, full coverage car insurance includes the state’s minimum liability coverage, uninsured/underinsured motorist coverage, personal injury protection, and collision and comprehensive coverage.
What is the lowest form of car insurance available in New York?
New York’s lowest form of car insurance is actually quite high compared to other states. Since New York is a no-fault state, drivers are required to purchase liability coverage, uninsured motorist coverage, and personal injury protection. The lowest acceptable amounts of each coverage type are as follows:
- $10,000 per accident ofproperty damage liability coverage
- $25,000 per person / $50,000 per accident ofbodily injury liability coverage
- $25,000 per person / $50,000 per accident of bodily injuryuninsured motorist coverage
How soon do you need insurance after buying a car in NY?
Although you may have a grace period of up to 30 days: It is recommended that you purchase car insurance either
before buying a vehicle
or on the same day of the purchase. You will need insurance to register the vehicle in New York, and you cannot legally drive the car unless it is registered and has insurance.Can you have out of state car insurance in New York?
If you are visiting and driving in New York, your out-of-state insurance policy will be valid. Otherwise, New York does not accept out of state car insurance for New York residents. You must have New York’s minimum car insurance requirements if your vehicle is registered in New York.
7
Is PIP required in New York?
Yes, all New York auto insurance policies must include personal injury protection (PIP). Personal injury protection covers your medical bills, lost wages, and essential services, regardless of who was at fault.
Can you have both PIP and MedPay in New York?
Since drivers are required to purchase personal injury protection (PIP) in New York, there’s no need to also purchase MedPay. While both coverages offer financial compensation regardless of fault in an accident, MedPay is technically not available in New York.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
Learn more
about our editorial standards, and our expert review board *Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.