Learn more about New York car insurance cost and coverage.

 

From New York City to upstate, there is no shortage of places to go in the Empire State. To drive around New York legally, every motorist needs to carry car insurance.

But how much car insurance do you need and what exactly determines your New York car insurance quotes? To help explain it all, our review team takes a look at the cost of NY auto insurance, the state minimum car insurance requirements, and more to answer your questions about car insurance in New York. 

Whether you are new to car insurance or looking to switch providers, we always encourage you to get auto insurance quotes from several different providers and compare them. This ensures that you’re getting coverage for the best possible price. To give you an overview of car insurance providers, our review team took a look at 30 of the best auto insurance providers and reviewed them based on financial strength, availability, customer service, costs, discounts, coverage, and technology. Read our review of the best car insurance providers to learn more about our top picks, including USAA, Geico, Progressive, and State Farm.

To start, enter your zip code in the form below to get matched with the best auto insurance quotes in your area or call (855) 518-0148:

 

In this article:

New York Car Insurance Minimum Requirements

Every state has different requirements for the minimum amount of auto insurance motorists must carry to drive legally. New York has liability insurance limits of 25/50/10, which breaks down to:

  • $25,000 for bodily injury per person and $50,000 for death of a person involved in an accident
  • $50,000 for bodily injury per accident and $100,000 for death of two or more people in a car accident
  • $10,00 for property damage

New York is a no-fault state. This means that drivers are required to file a claim with their own insurance company after a car accident no matter which party was at fault. Drivers living in no-fault states must carry personal injury protection (PIP) coverage as part of their auto insurance policy.

In addition to the state minimum insurance, drivers can purchase other standard types of auto insurance, including:

Factors That Affect New York Auto Insurance Quotes

When you’re shopping for cheap car insurance quotes in NY, your rates probably won’t be the same as your friends or family members. That’s because the amount you pay for car insurance depends on many factors.

  • Your age, gender, marital status, and other demographic factors
  • Your driving record
  • Vehicle’s year, make, and model
  • Your credit score/insurance score
  • Your location
  • Annual mileage

What Is The Average NY Car Insurance Cost?

Due to its population and median income, New York car insurance ranks among the most expensive in the country. According to the National Association of Insurance Commissioners (NAIC), New York was the third most expensive state for car insurance in 2017. Here’s a breakdown of average car insurance coverage costs for New York car insurance that year:

Type of Coverage Average Expenditures in 2017
Liability coverage  $869.13
Collision coverage $437.13
Comprehensive coverage $179.31
Total cost $1,349.72
 

*To calculate average expenditures, NAIC assumed that all insured vehicles would carry liability insurance but not necessarily collision or comprehensive. Total cost per year measures what consumers actually spent.

As discussed above, car insurance quotes in NY vary based on many personal and demographic factors, so the car insurance rates you get back from auto insurance companies could be higher or lower than the state average.

How To Get The Cheapest Car Insurance Coverage In NY

You can’t change your age or your driving record, but there are some things you do have control over. If you’re comparing New York car insurance quotes, make sure you consider the following tactics to get lower premiums.

  • Discounts: Discounts differ from one company to the next, but some of the more standard offerings include discounts for good drivers, good students, and those with multiple vehicles.
  • Bundling: Another way to save money on auto insurance is bundling your home and car insurance policies with the same provider.
  • Increasing your deductible: A lower deductible is preferable for many drivers, but if you’re looking to get cheap car insurance rates, one thing you can do is increase your deductible. A higher deductible usually means a lower premium. Just keep in mind that you will actually have to pay that deductible if you need to submit an at-fault claim.
  • Improve your credit score: Your credit score informs your insurance score, which is how your insurance provider determines risk. Because drivers with poor credit tend to file more claims than drivers with high credit, improving your credit score can help you save money on car insurance.

What If I Can’t Afford The NY Minimum Insurance?

Car insurance is required for all drivers in New York. If you’re caught driving without proof of insurance, you could face serious penalties like:

  • Fines ranging from $150 to $1,500
  • Vehicle impoundment
  • Up to 15 days in jail
  • Revoked license and registration
  • $750 fee to get your license and registration reinstated

In addition, if your car is uninsured for more than 91 days, or if you are caught without insurance more than once in three years, your license and registration could be revoked without the option to pay to get them back. Instead, you would have to wait until the suspension period is over to get your license and registration back.

Recommendations For Car Insurance Quotes In NY

When you’re looking for the cheapest car insurance quotes in NY, we recommend Geico and USAA. Get quotes from both providers – and any others you’re considering – and compare the coverage and total cost to find the policy that’s right for you.

Geico Car Insurance: 4.5 Stars

We reviewed Geico car insurance and found that the company is a good option for students. Geico has a good reputation among auto industry professionals with an A++ (Superior) financial strength rating from AM Best and an A+ rating from the Better Business Bureau (BBB). When rating auto insurance companies, the BBB takes into account customer complaints and the business’s transparency, among other factors.

In addition to standard coverage, Geico offers roadside assistance and mechanical breakdown insurance.

USAA Auto Insurance: 5 Stars

USAA provides auto insurance for military personnel and their family members in all 50 states. We reviewed USAA auto insurance and found that the provider has a strong reputation among industry experts and good discounts for members. AM Best rated USAA’s financial strength at A++ (Superior), and USAA tied for the highest rating in J.D. Power’s 2019 U.S. Auto Claims Satisfaction Study.

When you shop for car insurance quotes in NY, keep an eye out for discounts with USAA. You can save for being a good student and parking your car on a military base, among other things.

Enter your zip code in the tool below or call (855) 518-0148 to collect and compare NY auto insurance quotes from providers available in your state, including USAA and Geico insurance quotes:

 

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