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?

Answer
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!
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Carol Chung
Answered on Apr 12, 2021
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