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 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 state | Honda Accord |
Cities with Most Speeding Tickets Rank | #28 |
Cities with Most Suspended Licenses Rank | #2 |
Averages
New York Average (annual) | New York Average | United States Average |
$3037 | $1702 | $1570 |
Group by Genders
Gender/Marital Status | Average Yearly Rate |
Female | $3167 |
Male | $3006 |
Single | $2977 |
Married | $2975 |
Divorced | $3009 |
Widowed | $3009 |
Violations
Violation/Incident | Average 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 Highways | I-87,I-78,I-95 |
Public Transit | MTA Subway,MTA Bus,MTA Rail |
Toll Roads | Robert F. Kennedy Bridge,Gov. Thomas E. Dewey Thruway,Marine Parkway - Gill Hodges Memorial Bridge |
New York Zipcodes
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Other cities of same state
- Staten Island Car Insurance
- Hempstead Car Insurance
- Syracuse Car Insurance
- Poughkeepsie Car Insurance
Other cities from different states
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.