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The average cost of basic liability car insurance in New York is $3,662 per year. Opting for full-coverage car insurance in New York will leave you with an average cost of $3,592 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.
Compare best car insurance quotes in New York
The table above shows average rates paid by New York drivers and Jerry users who have policies with various companies. The quotes you find in the Jerry app could be higher or lower based on your unique driver profile.
Factors like your past insurance history, your accident and violation history, and some key identifying information for both yourself and the vehicle you want to insure play a role in your rate.
Want to see the real quotes—and real experiences—that Jerry users found in the app? Check them out below.
Whether you live in New York City, the Adirondacks, or the Southern Tier, there are plenty of insurance providers offering competitive rates to Empire State drivers. State Farm, GEICO, and Progressive are the most popular—but they aren’t the only companies that can give you a good rate.
The best and cheapest car insurance company in New York is different for every driver. That’s because car insurance premiums are highly personalized based on your age, gender, ZIP code, vehicle type, driving record, and even marital status and credit history. Every company uses a slightly different methodology to analyze those factors, too, making for vastly different rates.
And it’s not just dollar amount that matters. Maybe USAA has the lowest rates for you, but they don’t have all of the coverage options you need or the best customer service.
With so many great auto insurance companies operating in New York State, wading through all your options can feel overwhelming. That’s why Jerry exists—to help you narrow down the best car insurance company for you. As a licensed insurance broker, Jerry partners with top-rated insurers like Allstate and Nationwide, along with smaller regional and local companies, to find you the absolute best rates.
New York is one of the most expensive states in the nation for car insurance, with annual premiums soaring well above the national average even in rural areas of the state.
Is $200 a month a lot for insurance?
Not in New York, where car insurance prices are well above the national average. If your policy only costs $200 a month, you’ve got a great deal in the Empire State.
Which gender pays more for insurance?
In most age brackets, drivers pay about the same for car insurance no matter their gender. For young drivers, though, men under 20 tend to be charged higher premiums than women under 20—though both pay higher premiums on average than other age demographics.
Why do males under 25 pay more for car insurance?
Statistically speaking, more claims are filed by males under 25 than females. To offset the potential extra cost of these claims, insurers charge males under 25 higher annual premiums.
How much is car insurance in New York?
New York is one of the most expensive states for car insurance, with average premiums across the state well above the national average. But what makes the price of auto coverage so high in the Empire State—and is it the same for all New Yorkers?
There are a few factors at play here, and they’re not all equal in every region. First, high population density always translates to high car insurance premiums. New York City residents and other urban New Yorkers can expect to pay high rates, while rural drivers in places like Franklin and St. Lawrence Counties might enjoy premiums well below the state average.
Tourism is another factor—and, again, this isn’t consistent throughout the state. Tourist hotspots like Niagara Falls, Lake Placid, and (of course) Manhattan might see elevated rates due to the higher number of drivers on the road, but Utica and Binghamton are fairly safe from those pressures.
But one thing that just about every region of New York has in common is severe weather, whether it’s the threat of flooding from the Atlantic Ocean, lake-effect snow from Lake Ontario, or just the severe winter storms that plague the Adirondack region. If you live in an area that’s prone to rough winter driving conditions, you can expect to see that reflected in your premium.
No matter which factors are driving up your rates, Jerry can help you lower them. It takes about 45 seconds to find a new policy with Jerry, and the average annual savings total more than $800!
Here’s a rundown of what you need to know about car insurance in New York:
Liability insurance protects your wallet from steep out-of-pocket costs in the event of a crash since it covers costs you’re found responsible for in an accident. Even though New York is a no-fault state, insurance companies will still use “fault” to assign financial responsibility, making this essential coverage.
The most important types of insurance not required by law in New York are collision coverage and comprehensive coverage—a combination often called a “full-coverage policy” when combined with minimum coverage. Collision and comprehensive will allow you to submit claims for damage to your vehicle, including damage caused by events other than accidents. The table below compares the cost of these two coverages with minimum liability in New York.
Why is full coverage car insurance so expensive in New York?
Cheap car insurance with a DUI or speeding ticket in New York
Insurance companies look at your driving history for an indication of the level of risk you carry. If you’re a good driver, you’ll enjoy some of the lowest rates. But a pattern of driving violations—or just one big one, like a DUI or reckless driving charge—could seriously impact your rate and get you labeled ahigh-risk driver.
High-risk drivers pay high rates, but that doesn’t mean you can’t save with a violation on your record. Jerry partners with insurance companies like The General that specialize in insurance for high-risk drivers, so shopping with Jerry is an easy way to unlock savings after a ticket. See for yourself below.
Another way that insurers measure risk is through statistics—and statistics show that drivers under 25 years old have a much higher rate of car accidents and violations. As a result, teen drivers and young adults can expect high premiums until they age out of that high-risk category.
But again, Jerry can help you save! In addition to shopping in the Jerry app, young drivers in New York should:
New York is a unique state in that, while it’s one of the largest states by area, 40% of its population is squeezed into one tiny patch of land. The Big Apple has a population density of 27,000 per square mile!
As a result, it’s probably no surprise that New York insurance costs are so high—after all, everything in the city is! But it’s not just population density that matters; crime rates, weather patterns, and accident fatality statistics can also have an effect on premiums. Buffalo insurance costs are also higher than the state average, while small towns like Dansville and Schroon Lake tend to see lower premiums.
Want to see where your ZIP code fits into all this? Check out the table below.
Greenwood Lake has an average commute of 49.7 minutes, this makes it the city with the longest commute in New York. Drivers in Greenwood Lake will have higher rates due to increased mileage and traffic.
The vehicle you’re insuring also plays a role in how much you’ll pay for a policy in New York. It should go without saying that expensive cars cost more to insure, but why is that—and what other factors play a role?
In basic terms, insurance companies want to know how likely your car is to generate claims and how expensive those claims will be. BMW 328i insurance costs are high in part because the parts required for repairs cost more than for a Honda Civic—but the car’s reputation for speeding and risky driving also factor in here. Toyota Camry LE insurance costs are lower thanks to great safety ratings and an affordable price, but they’re a little higher than Honda CR-V insurance costs because SUVs are sturdier and seen as less likely to generate insurance claims.
Want to see where your vehicle lands you on the spectrum from pricey to cheap insurance? Take a look at the features below.
New York uses a 25/50/10 rule for minimum liability coverage. If you’re getting car insurance in New York, you’ll be required to have a minimum of $25,000 per person for bodily injury liability, $50,000 of bodily injury liability per accident, and $10,000 of property damage liability per accident. Drivers are also required to have personal injury protection (PIP) coverage.
What do you need if you’re pulled over?
If you get pulled over in New York, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV so you will always have your stored proof of insurance available 24/7 in the Jerry app.
Is New York a no-fault state?
Yes, New York is a no-fault state. This means you must carry personal injury protection (PIP) coverage which immediately pays for injuries to you and your passengers regardless of who is at fault for the accident or if you have health insurance. However, fault, or liability, is still a factor for property damage and bodily injury claims.
But those state minimum coverage limits are just the beginning—or they should be. While you’ll be legally covered if you only carry liability, UIM, and PIP on your auto insurance policy, you might be leaving yourself open to serious financial risk, especially if you’re in a major at-fault accident.
Most experts recommend going beyond your state’s liability limits and purchasing collision and comprehensive insurance at a minimum. While your state-mandated insurance should be sufficient to cover your medical bills, you’ll have less protection for damage to your vehicle. A full-coverage car insurance policy solves that problem—and with help from Jerry, you can make it affordable.
Not sure how far past the minimum requirements you should go? The features below go over some useful additional coverages that drivers in New York should consider adding to any policy.
New York ranks well for traffic and infrastructure, but accidents can still happen when you least expect it. Drivers should get collision coverage to help them pay for necessary car repairs caused by collisions.
8.50% of drivers in New York are uninsured, which poses a financial risk to other drivers. If you get into an accident with an uninsured driver, you probably want uninsured/underinsured motorist coverage to help pay for expenses.
New York drivers rate their road quality a low 4.67 out of 10. Between the dismal road conditions and large swathes of rural areas, drivers in New York should buy roadside assistance to help them out if the stray pothole leaves them stranded with a flat.
How to save money on car insurance in New York
If you own a car in New York, you know how much of a burden those high car insurance rates can be. Here are some strategies to help you put some money back in your pocket.
Shop around for quotes
Comparing multiple car insurance quotes is the most effective way to save—but not always the easiest! If you’re shopping for quotes on your own, you’ll likely need to fill out a lot of paperwork (and probably get on the phone with an agent) just for a single quote. Work with a broker or use a car insurance comparison app and aim to get quotes from at least three different insurers before choosing a plan.
Bundling discounts are some of the biggest and most popular car insurance discounts, but they’re far from the only ones available to New York drivers. Check to see if you’re eligible for any of the following common discounts:
Driving Course Discounts
In New York, drivers who complete a defensive driving course are eligible for a 10% discount on their car insurance.
If you bundle your auto and home insurance with the same carrier, you can be eligible for a bundling discount.
Safety Ratings and Anti-theft Discounts
Insurance carriers like vehicles with highly rated safety features and anti-theft technology as they present a lower risk. Carriers are likely to offer lower rates to drivers who own highly rated vehicles for safety and anti-theft technology and features.
Increase your deductible
Your insurance deductible is the amount you pay on a claim before insurance kicks in. If you’ve got collision or comprehensive insurance on your policy, raising your deductible is an easy way to keep monthly costs low.
Standard deductibles include $500 and $1,000. The higher your deductible, the less you’ll pay month-to-month to maintain the policy. If you could afford to pay a higher out-of-pocket amount, talk to your insurance company about raising your deductible and lowering your rate.