Best Cheap Car Insurance Reddit - To help you find the best cheap car insurance in New York, our editors compared car insurance rates for each zip code of the state's top insurance companies. We selected the best companies in New York based on availability, customer service and convenience. We also rated the best companies based on the price of different drivers.
To find the cheapest insurance companies, we calculated the cost of a standard insurance policy, which meets New York's minimum requirements of $25,000 per person and $50,000 for accident, $10,000 for property damage, and $50,000 for personal injury protection (PIP), plus $25,000 for bodily injury liability. uninsured per person is $50,000 per accident.
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Most insurance reviews include collision and comprehensive coverage in addition to more premiums than what the government provides.
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The average cost of car insurance in New York is $1,085 a year, or $90 a month, for low claims.
Progressive is the most affordable auto insurance company for most New York drivers. Its annual cost of $732 is 33% lower than the average we found across all insurance companies.
However, if you are a member of the military or a veteran, you may be eligible for insurance with USAA, a very affordable option. USAA costs less than Progressive, at $695 a year. This is 36% less than the average cost of living in New York.
The minimum amount of car insurance meets the requirements of New York law, which includes $25,000 for bodily injury per person and $50,000 for each accident, $10,000 for property damage, $50,000 for personal injury protection (PIP), in addition to $25,000 for an uninsured bodily injury claim. per person and $50,000 per accident.
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Limited car insurance has the cheapest quotes, but it can cost you in the long run if you have to make a claim - you may have to pay out of pocket to fix an expensive accident.
For affordable insurance in New York, Progressive is the cheapest option for most people. Progressive's rates are $776 cheaper than the average for our test drivers, at $1,335 a year.
The average cost of comprehensive car insurance in New York is $2,111 per year, or $176 per month, but drivers can find cheaper rates by comparing car insurance companies.
Drivers can also get a discount from USAA, which only adds up: $1,432 a year. However, USAA is available to former military personnel and their family members.
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All auto insurance policies include more than the limit of the insurance policy, as well as full collision coverage. This means that you are protected against damages caused by an accident while you are at fault. Collision protection pays for damage to your vehicle.
In general, the average cost of all auto insurance in New York is higher for drivers who have been cited for traffic violations, who have received a DUI (driving under the influence), or who have been impaired. an accident.
New York drivers caught speeding can get the cheapest car insurance with Progressive. Compared to the average cost of a speeding ticket holder, Progressive's rates are $1,056 cheaper per year.
Getting a speeding ticket can increase your premium by half as much as an accident: A ticket increases prices by 15% on average, while the average increase in accidents is 38%.
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New York drivers who have been involved in an accident recently should choose Progressive to get the cheapest rates. The cost of comprehensive auto accident insurance from Progressive is 27% cheaper than the average cost of auto accident coverage in New York, which is $2,910 per year.
State Farm is the only other insurance for most people that is cheaper than average. All other publicly available insurance policies charge rates above $3,600 per year.
We found the best rates in New York after a DUI at Progressive, , where rates are just $1,398 a year. It's about two-thirds cheaper than the full price.
DUIs can result in higher premiums that are 88% more expensive than what is usually required to get New York auto insurance.
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Geico offers the best terms for drivers with bad credit, $2,719 a year. Geico's total prices for these drivers are $1,622 cheaper than the average and only 22% more expensive than the average for drivers with bad credit.
Drivers with bad credit in New York can pay twice as much as drivers with good credit.
If you're a married driver in New York, Progressive has the lowest fully insured rates to date. Its average cost of $1,053 per year is $750 less than the next cheapest option.
Married drivers may see lower premiums on their car insurance premiums than single or single drivers: $38 per year compared to single drivers in New York, on average.
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Young drivers shopping for the cheapest car insurance in New York were able to get the best rates with Progressive, which makes $2,365 a year for less coverage. Progressive also has the cheapest quote for younger drivers for full coverage, at $4,045 a year.
The average cost of car insurance with minimum coverage for 18-year-old drivers in New York is $3,298 per year or $303 per month – which is about $2,200 more expensive than it is for 30-year-old drivers.
Young New York drivers with a speeding ticket can get affordable rates from Progressive, for just $2,365 a year. It is 36% cheaper than the average.
Speeding can make your car insurance premiums go up, but not as much as drivers who have been involved in accidents.
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Progressive has the cheapest auto insurance premiums for young New Yorkers after an accident, at $2,683 a year. That's $1,403 less per year than the average of all insurance policies we considered.
Accidents almost always result in higher car insurance rates because a driver who causes one accident is more likely to cause another in the future.
The best insurance company in New York is USAA, given its superior customer service, helpful options, and affordable rates.
However, if you don't have to be a USAA member, then State Farm and Geico are great companies to get quotes from as well. Both also received high marks from the editors.
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The most expensive city to fully own in New York is Brooklyn, at $4,208 per year to fully own. Corning is the cheapest city for car insurance at $1,426 per year.
Comprehensive auto insurance in New York can vary from $2,782 per year, depending on where you live. Generally, the cost of car coverage is higher in big cities, where accidents and car thefts are common. This may be why New York City is among the most expensive cities for auto insurance in the state, at an average of $3,884 per year for full coverage.
Although this is the lowest limit you can get, we recommend that you increase the limit beyond what the law requires. Your insurance will only pay you up to a specified limit, which can leave you financially vulnerable after a serious car accident.
Progressive has the cheapest car insurance in New York, based on our analysis, at $732 a year. Progressive also has the best value at $1,335 per year.
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The average cost of minimum car insurance for a New York driver is $1,085 per year or $90 per month. But your driving record, where you live in New York and the type of car you drive all affect how much you'll pay.
New York drivers must carry at least $25,000 per person and $50,000 per accident for bodily injury and $10,000 for liability. Additionally, you need $10,000 in personal injury coverage and $25,000/$50,000 in uninsured motorist coverage.
Brooklyn, New York City, is the most expensive place in New York for car insurance. Residents pay an average cost of $6,607 per year for full coverage.
We collected thousands of quotes from New York zip codes for the largest insurance company in the state. We used a sample driver with the following profile:
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For our minimum policies, including all rates for children under the age of 18, we have listed the policies that have the minimum requirements required in New York.
For other assessments (credit information, accident history and family status), the basic information above was changed to reflect the new driver.
S analysis used insurance data from Quadrant Information Services. These rates were taken publicly from insurance company files and should be used for comparison purposes only - your quote may vary.
To get an insurance quote over the phone, call: (855) 596-3655 | Agents are available 24 hours a day, 7 days a
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