Why is car insurance so expensive in New York, and how can I lower my premium?

I'm moving from Iowa to New York and the NY car insurance quotes I'm getting are $200 more expensive per month. Why do I have to pay so much more? How can I pay less?

Broadly speaking, car insurance in New York is expensive because of a higher risk of accidents, theft, and vandalism. State law also requires drivers to carry uninsured/underinsured motorist coverage and personal injury protection, which raises rates as well.
The best thing you can do to pay less for car insurance? Shop around once or twice a year to see if you can get a better premium elsewhere.
You can do this yourself by making some calls or filling out online forms. Or you can have Jerry.ai gather affordable quotes for you in seconds!
Carol Chung
Answered on Apr 12, 2021

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