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The cheapest car insurance rates in New York are $64/month ($766/year) for liability insurance and $108/month ($1300/year) for full coverage.
Lowest Car Insurance Rates In Ny
We at Home Media's review team looked at the nation's leading car insurance providers and reviewed their policies, rates, ratings and customer reviews. We've compiled a list of the cheapest car insurance providers in New York, which we'll discuss below, along with the cheapest rates in the state for different driver profiles.
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Our research shows that car insurance in New York is 50% more expensive than nationally. Although it can be difficult to find cheap insurance, many providers still offer cheap car insurance in the Kingdom.
Our picks for the cheapest car insurance companies in New York State are Advance, Geico, USAA, Travelers and State Farm. Each of these suppliers offers reasonable prices, varied distribution options and strong customer service.
* Our research team looks at things all over the country when you give a rating. The list of providers in this table is specific to New York auto insurance.
Since no two car insurance companies are the same, we recommend that you contact several providers to find the cheapest car insurance rates in New York for your needs.
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Car insurance premiums are largely influenced by the insurance you choose. Most car insurance quotes include a comparison of minimum liability and car insurance. Even if minimum liability is all that is required, it is worth considering buying comprehensive car insurance to stay protected on the road.
According to our price comparison, Progressive offers the cheapest insurance in New York, costing $64 per month or $766 per year. USAA, Geico and NCYM Insurance are also good options.
We also found that Progressive also offers the cheapest comprehensive car insurance in New York at $108 per month or $1,300 per year. Geico, USAA, Erie Insurance and NYCM Insurance also offer affordable comprehensive auto insurance for motorists.
Age, driving history and a person's credit score can greatly affect the cost of car insurance in New York. We compare auto insurance quotes for New York drivers in the following categories.
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Younger drivers tend to pay more for car insurance than older, more experienced drivers. The table below shows the cheapest car insurance for young drivers in New York, with monthly and annual rates.
Teen drivers in New York pay a higher price for comprehensive policies. According to our research, 16-year-old drivers can get the cheapest car insurance through Progressive for $4,559 a year or $380 a month. The average price for a 16-year-old driver in the state is $7,995 per year or $666 per month.
We found that Geico offers the cheapest car insurance quotes for New York drivers of 17 years, costing $4,364 per year or $364 per month on average. The average salary for a 17-year-old driver in the state is $7,217 per year or $601 per month.
Based on our research, Advance tends to be the cheapest auto insurance option for 18-year-old drivers in New York. Motorists pay an average of $3,758 per year or $313 per month for comprehensive car insurance with the company. The average rate for 18-year-old drivers is $6,387 per year or $532 per month.
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New York drivers over the age of 20 can expect to pay lower auto insurance rates than other drivers. For drivers over 21, Progressive offers the cheapest auto insurance at an average of $2,075 per year or $173 per month. The average rate for a 21-year-old New York driver is $4,088 per year or $341 per month.
On average, Progressive offers the cheapest auto insurance rates for 25-year-old drivers at $1,432 per year or $119 per month. The average price for a 25-year-old driver in New York is $3,156 per year or $263 per month.
In addition to age, many other factors will greatly affect the price you pay for your car insurance. The following sections provide an average for a specific driving situation, such as car insurance costs if you have been in an accident or have a recent DUI.
Speeding tickets can make your rates go up. On average, New York drivers with speeding tickets pay $5,244 per year or $437 per month for comprehensive insurance.
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You can expect to pay more for your car insurance if you have a recent accident on your record. On average, drivers with a recent accident pay $6,896 per year or $775 per month for comprehensive coverage in New York.
If you have a DUI on your driving record, you can expect to pay more for your auto insurance. On average, New York drivers with a DUI pay $7,409 per year or $617 per month for comprehensive auto insurance.
New York is one of several states where insurance companies are allowed to use your credit score as a factor in your claim. New York drivers with bad credit pay an average of $9,595 a year or $800 a month for comprehensive auto insurance.
Cheap New York auto insurance companies offer coverage and excellent customer service. We provide more information about the cheapest suppliers in the Kingdom below.
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Advance is our top pick for drivers in New York because it tends to offer relatively cheap rates. The insurer stands out for its cost comparison tool and Snapshot® app, which allows drivers to save money based on better driving habits.
Geico offers affordable auto insurance rates for New York drivers, especially those with bad credit. The company has standard distribution options as well as options such as accident insurance. Drivers can take advantage of Geico auto insurance discounts, including savings for military and student discounts.
USAA is only available to military, retirees and their families. However, if you are covered by the company, you are likely to find some of the lowest rates for car insurance in New York. With a wide variety of discounts – like better driver rates and discounts on anti-theft equipment – as well as useful extras like roadside assistance and rental car payments, USAA can make smart choices for those who qualify.
In addition to offering below-average rates to many drivers, Travelers has one of the strongest showings of any New York-area insurance company in the J.D. area. Power 2021 Car Insurance Study in USA. The company also offers a wide range of supplementary policies.
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New York drivers can choose from add-on programs such as new car replacement, auto ownership and carpool coverage among many others.
State Land is another cheap form of auto insurance in New York State. Young drivers can take advantage of one of the industry's largest student discounts with the Steer Clear® program, which helps young drivers improve their road skills. Senior policy makers also qualify for reduced car insurance, such as savings to keep accidents on the road.
New York drivers pay an average of $2,783 per year or $232 per month for comprehensive auto insurance. That's 58% higher than the national average of $1,730 a year. These figures are based on the profile of a 35-year-old driver with a clean driving record and good credit rating.
Maximum coverage for the same driving speed averaged $1,472 per year or $123 per month in New York, making it 132% more expensive than the $635 average.
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Car insurance companies usually charge higher rates for drivers under the age of 25. According to our research, 16-year-old drivers pay an average of $7,995 per year, while comprehensive car insurance costs $2,903 per year for drivers aged 30.
Car insurance rates vary from state to state, but they also vary from place to place within the same state. New York car insurance rates are higher in big cities and lower in rural areas. Here are some car insurance quotes for different cities in New York:
New York is one of 12 states that operate a no-fault system for auto accidents. In a no-fault system, auto insurance pays medical bills and out-of-pocket expenses for everyone on your policy, regardless of who caused the accident.
Under the no-fault insurance program established by the New York Department of Motor Vehicles (DMV), state drivers must have minimum state insurance coverage that includes:
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As long as this does not exceed the maximum coverage required by New York law, you can get full coverage by purchasing collision and coverage insurance.
Driving without liability insurance in the Commonwealth is considered a serious traffic offence. If you are caught driving without insurance, you can be fined up to $1,500. The New York DMV can also suspend your driver's license for up to one year.
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