Best Car Insurance Companies Reddit - To help you find the cheapest auto insurance in New York, our editors have compared auto insurance rates in every zip code from the state's top insurers. We've ranked the best businesses in New York based on affordability, customer service, and convenience. We've also ranked the best companies based on the value of different drivers.
To find the cheapest insurers, we averaged New York's minimum liability coverage of $25,000 for bodily injury and $50,000,000 for accident, $10,000 for property damage, and $50,000,000 per person. personal injury protection (PIP), $25,000 per person per uninsured driver and $50,000 per accident.
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Quotes for comprehensive coverage policies include collision and comprehensive coverage, plus liability limits above state minimums.
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The average cost of car insurance in New York is $1,085 per year or $90 per month for minimum liability.
Development is the minimum liability auto insurance company for most New York drivers. $732 per year for a typical year, 33% less than the average rate found among all insurers.
However, if you are a member of the military or a veteran, you may be able to get insurance with USAA, which is the cheapest overall option. USAA costs less than Progressive at $695 per year. That's 36% less than the lowest average price in New York City.
The minimum auto insurance coverage required by law in New York is $25,000 per person for bodily injury and $50,000,000 per accident, $10,000 for property damage, and $50,000,000 for the protection of personal injury (PIP) for an uninsured driver. injuries and accidents.
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A minimum liability car insurance policy has the cheapest rates, but if you have to file a claim, it could cost you more in the long run; you may have to pay out of pocket for repairs after an expensive accident.
For cheap comprehensive insurance in New York, Progressive is the cheapest option for most people. Forward pricing averaged $776 for our sample driver, or $1,335 per year.
The average cost of comprehensive car insurance in New York is $2,111 per year or $176 per month, but drivers can find lower rates by comparing car insurance companies.
Plus, drivers can find low rates on USAA for just under $1,432 per year. However, USAA is only available to military personnel and their family members.
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A comprehensive auto insurance policy covers more than the minimum liability insurance limits, as well as comprehensive and collision coverage. This means compensation for damages caused by an at-fault accident. Collision coverage can damage your car.
In general, the average cost of full coverage auto insurance in New York is higher for drivers who have been cited for a traffic violation, drivers who have received a DUI (driving under the influence) citation or who have been convicted. accident
Speeding New York drivers can find the cheapest auto insurance with Progressive. Compared to the average cost for people with express tickets, Progressive's rates are $1,056 a year cheaper.
Getting a speeding ticket can increase rates by half as much as an accident: a ticket increases rates by 15% on average, compared to a typical increase of 38% after an at-fault accident.
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New York drivers who have recently been involved in an accident should choose Progressive for the lowest rates. Progressive's comprehensive post-accident auto insurance rates are 27% lower than the average post-accident cost in New York of $2,910 per year.
State Farm is the only insurer that is reasonably priced for most people. Most common insurers have rates that exceed $3,600 per year.
We found the best rates in New York after a DUI at Progressive, with a typical rate of $1,398 per year. That's two-thirds cheaper than the average.
DUIs can cost up to 88% more than it would normally cost to get comprehensive car insurance in New York, on average.
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Geico offers the best rates for drivers with low credit at $2,719 per year. Geico's total price for these drivers is $1, $622 cheaper and an average of 22% more expensive for drivers with average credit.
In New York, drivers with bad credit can pay twice as much as drivers with good credit.
If you're a married driver in New York, Progressive has the lowest average total coverage rates. The standard price is $053 per year, $750 less than the second cheapest option.
Married drivers can save less on auto insurance premiums than single or single drivers: $38 a year in New York compared to single drivers.
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Young drivers shopping for the cheapest car insurance New York can find the best rates with Progressive for the lowest premium of $2,365 a year. Progressive costs $4,045 a year for full coverage for young drivers.
In New York, the average cost of auto insurance with minimum coverage for 18-year-old drivers is $3,298 per year, or $303 per month, $2,200 more than 30-year-old drivers.
In New York, young drivers with a speeding ticket can find rates as low as $2,365 a year with Progressive. That's an average of 36% cheaper.
Speeding can cause your car insurance premiums to rise, although not as drastically as drivers involved in car accidents.
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Progressive is the most affordable full coverage car insurance for young New Yorkers after an accident at $2,683 a year. That's an average of $403 less per year among all insurers considered.
Accidents almost always result in a significant increase in auto insurance rates because the driver who causes an accident is likely to cause another in the future.
The best insurance company in New York is USAA when it comes to superior customer service, helpful coverage options, and affordable rates.
However, if you don't qualify for USAA membership, State Farm and Geico are also the best companies to get quotes from. Both received favorable reviews from publishers.
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The most expensive city in New York for comprehensive coverage is Brooklyn, at $4,208 per year for comprehensive coverage. Corning is the cheapest city for car insurance at $1,426 a year.
The total cost of car insurance in New York can vary from $2,782 per year depending on where you live in the state. In general, car insurance costs are higher in larger cities where accidents and car thefts are more common. This may be why New York City is among the most expensive cities for auto insurance, with an average annual cost of $3,884.
Although this is the lowest limit you can take, we recommend increasing the limit above the legal requirements. Your insurer will only cover you up to certain limits after a serious road accident that could leave you financially vulnerable.
Going forward, the cheapest car insurance in New York is $732 per year, according to our analysis. Progressive's best average price for full price is $1,335 per year.
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The average cost of an auto insurance policy with minimum coverage for a New York driver is $1,085 per year, or $90 per month. But living in New York and the type of car you drive will affect how much you pay.
New York drivers must pay at least $25,000 per person and $50,000 for bodily injury and $10,000 for property damage. In addition, you must pay $10,000,000 in personal injury coverage and $25,000,000/50,000,000 in uninsured motorist coverage.
Brooklyn, a borough of New York City, is the most expensive place to get car insurance in New York. Its residents pay $6,607 a year for comprehensive coverage.
We've collected thousands of quotes from New York zip codes for the state's largest insurers. We used a sample controller with the following profile:
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For our minimum coverage policy, we have referenced a policy with the minimum limits required in New York, including all premiums for under 18s.
For analysis of other rates (credit score, accident history and marital status), the basic policy listed above is adjusted to reflect the new driver.
The analysis used insurance rate data from Quadrant Information Services. These rates are quoted from insurance documents and should be used for comparison purposes only; your own terms may differ.
To get an insurance quote over the phone, call: (855) 596-3655 | Agents are available 24 hours a day, 7 days a week
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