New York Car Insurance - New York

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Why is NY car insurance so expensive?

New York state has among the highest insurance premiums in the nation. According to a 2015 report by the National Association of Insurance Commissioners, New York ranked No. 2 in average annual insurance premiums nationwide behind Michigan. The national average for car insurance was $1,318 in 2011, while New Yorkers were paying an average of $2,881. Some have speculated that New York's status as one of only two states with no-fault insurance laws contributes to its high cost of living and driving.

What kind of car insurance do I need in NYC?

The answer to that question depends on what kind of car insurance coverage you want and how much money you're willing and able to spend every month. New York is a no-fault state, which means that regardless of who's at fault in an accident, each driver has his or her own ''no-fault'' minimum coverage requirements.

How much does car insurance typically cost in NYC?

Well, this is a very common question among new visitors or even long-time straphangers in NY. After all, New York City has lots of cars competing for limited road space and the opportunity to rack up heavy fines for traffic violations. One of the most important expenses associated with car ownership in NYC is insurance premiums.

How much is insurance for a first time driver in New York?

The minimum coverage required by state law is $10,000 bodily injury liability per person, $20,000 total bodily injury liability per accident, and $5,000 property damage. Minimum coverage costs about $300 a year for a young male who owns a 2007 Honda Civic valued at around $9,500.

New York Car Insurance - New YorkNew York Car Insurance - New York

New York Cheapest Companies

Cheapest Companies
Quotes
GEICO
$91/mo
State Farm
$111/mo
Progressive
$232/mo
Liberty Mutual
$293/mo

Around Cities

New York Cities
Brooklyn$207/mo
Bronx$366/mo
Staten Island$186/mo
Buffalo$151/mo
New York$182/mo
New York$218/mo

New York Best Companies

Best Companies
Score ?
Quotes ?
American Family
89
$303/mo
Liberty Mutual
82
$399/mo
Travelers
80
$216/mo

New York Drivers by Age

Driver Age
Avg. Monthly Cost
teens$0
20s$486
30s$295
40s$314
50s$283
60s$216
70s$261
80s$398

Driving History

Driving History
Avg. Monthly Cost
No Violation$300
Speeding Ticket$286
At-Fault Accident$400
Failure to Stop for Red Light / Stop Sign$265

New York Scores

Credit Tie
Avg. Monthly Cost
Excellent$243
Good$350
Average$358
Poor$490

New York Ratings

Cities with Most DUIs Rank#3
Cities with Most Moving Violations Rank#57
Most Popular Car in stateHonda Accord
Cities with Most Speeding Tickets Rank#28
Cities with Most Suspended Licenses Rank#2

Averages

New York Average (annual)New York AverageUnited States Average
$3037$1702$1570

Group by Genders

Gender/Marital StatusAverage Yearly Rate
Female$3167
Male$3006
Single$2977
Married$2975
Divorced$3009
Widowed$3009

Violations

Violation/IncidentAverage Yearly Rate
DWI/DUI$4701
Reckless Driving$4440
$1011$3103
$1994$4017
Speeding Ticket (16-20 mph over speed limit)$3653

New York Info

Major HighwaysI-87,I-78,I-95
Public TransitMTA Subway,MTA Bus,MTA Rail
Toll RoadsRobert F. Kennedy Bridge,Gov. Thomas E. Dewey Thruway,Marine Parkway - Gill Hodges Memorial Bridge

New York Zipcodes

  • 10001
  • 10002
  • 10003
  • 10004
  • 10005
  • 10006
  • 10007
  • 10008
  • 10009
  • 10010
  • 10011
  • 10012
  • 10013
  • 10014
  • 10015
  • 10016
  • 10017
  • 10018
  • 10019
  • 10020
  • 10021
  • 10022
  • 10023
  • 10024
  • 10025
  • 10026
  • 10027
  • 10028
  • 10029
  • 10030
  • 10031
  • 10032
  • 10033
  • 10034
  • 10035
  • 10036
  • 10037
  • 10038
  • 10039
  • 10040
  • 10041
  • 10043
  • 10044
  • 10045
  • 10046
  • 10047
  • 10048
  • 10055
  • 10060
  • 10065
  • 10069
  • 10072
  • 10075
  • 10079
  • 10080
  • 10081
  • 10082
  • 10087
  • 10090
  • 10094
  • 10095
  • 10096
  • 10098
  • 10099
  • 10101
  • 10102
  • 10103
  • 10104
  • 10105
  • 10106
  • 10107
  • 10108
  • 10109
  • 10110
  • 10111
  • 10112
  • 10113
  • 10114
  • 10115
  • 10116
  • 10117
  • 10118
  • 10119
  • 10120
  • 10121
  • 10122
  • 10123
  • 10124
  • 10125
  • 10126
  • 10128
  • 10129
  • 10130
  • 10131
  • 10132
  • 10133
  • 10138
  • 10149
  • 10150
  • 10151
  • 10152
  • 10153
  • 10154
  • 10155
  • 10156
  • 10157
  • 10158
  • 10159
  • 10160
  • 10161
  • 10162
  • 10163
  • 10164
  • 10165
  • 10166
  • 10167
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  • 10171
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  • 10175
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  • 10177
  • 10178
  • 10179
  • 10184
  • 10185
  • 10196
  • 10197
  • 10199
  • 10200
  • 10203
  • 10211
  • 10212
  • 10213
  • 10242
  • 10249
  • 10256
  • 10257
  • 10258
  • 10259
  • 10260
  • 10261
  • 10265
  • 10268
  • 10269
  • 10270
  • 10271
  • 10272
  • 10273
  • 10274
  • 10275
  • 10276
  • 10277
  • 10278
  • 10279
  • 10280
  • 10281
  • 10282
  • 10285
  • 10286
  • 10292

Other cities of same state

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Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $61
Homeowner $17
5-yr Accident Free $81
5-yr Claim Free $86
Paid in Full/EFT $47
Advance Quote $66
Online Quote $94

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Discounts are estimated and may not be available from every company or in every state.

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