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How do you get cheap car insurance in New York?
I live in New York City. My insurance is $600 a month. What's the best way to lower my insurance rate?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Insurance premiums are inherently higher there based on the risk of living in a populated city. So even if you have a good driving record, you’re likely paying significantly more than someone living in a suburb in Upstate New York.
Apart from the city, New York state as a whole has higher insurance rates. This is because it has a higher
minimum car insurance requirement
than other states. For instance, New York requires drivers to carry personal injury protection
(PIP), which isn’t typical.All of this means it’s more difficult to find cheap car insurance—but it isn’t impossible. You can comparison shop to see if other companies are offering lower rates. Every company prices policies a bit differently, so your best option is to gather quotes from several different insurance providers.
If you’d rather leave the hard work of gathering quotes to someone else, use
Jerry
. The Jerry app can collect quotes from up to 50 top insurance companies in seconds and deliver the best rates straight to your phone for free! Jerry will even help cancel your old policy if you choose a new one.”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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