Compare rates from the best car insurance companies in New York State.
Across the Empire State, there are 242,769 miles of road just waiting to be driven. We’ll get you prepped with the best and cheapest insurance, then you take the wheel.
Good drivers can save money on car insurance if you have no at-fault accidents, speeding tickets, or DUIs. Insurance companies use your driving record as a way to predict what kind of risk you will pose to them. So, by not having any of these violations you are less risky and therefore cheaper customer for them. In addition to having a cheaper premium, some companies offer a Good Driver discount. While the amount varies based on your company, it can range between 5-10%. If we’re looking beyond just average rates and at individual companies, Nationwide seems to have the cheapest rates for good drivers.
|Rating Factor||$ Savings||% Savings|
|No Traffic Tickets||$212||12.79%|
Young drivers, those between the ages of 16-25, pay the most for car insurance across the US. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. For teen drivers, historically the most expensive drivers to insure, we’ve found that Geico, Progressive, and Liberty Mutual are the cheapest companies.
|Age||Annual Rate with Parents||Annual Rate Alone|
Having a bad driving record can be a huge burden for getting cheap car insurance - no matter your location. In New York in 2017, a DUI raised rates an average of $1,208 a year. Other violations, such as an at-fault accident or a speeding ticket will also hurt your driving record. Based on our research, if you’ve had a DUI or at-fault accident, your best bet for cheap car insurance is to shop with Liberty Mutual, State Farm, or Nationwide.
|Rating Factor||Annual Rate||% Increase|
Every car insurance company brags about its low rates. But as with any service, the most affordable option is not always the best choice. Considering the stakes, it's worthwhile to do your due diligence to obtain an insurance policy that protects your vehicle adequately after a collision. Work to find the best value, instead of settling for the cheapest auto insurance you can find.
Compare top insurance companies' financial strength and claims satisfaction levels to better understand the quality of service you will receive. Claims satisfaction — assigned by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and varying from "Poor" to "Superior" — assesses an insurer's financial strength and ability to fulfill its policy and contractual obligations.
|Insurance Company||Claims Satisfaction (J.D. Power)||Financial Strength (A.M. Best)|
|Central Mutual||Not Rated||Excellent|
|New York Central Mutual||Not Rated||Superior|
The minimum required insurance level in the state of New York is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $10,000 Property Damage per accident.
If you carry the legal minimum coverage level in New York, prepare to pay an average of $860 each year. This outlay is more than the nationwide average by 31%. If you opt for better coverage, you can select a policy with comprehensive and collision coverage, protecting against damages caused by car-vs.-car collisions, theft, or weather incidents. However, better auto insurance coverage comes with a cost: in New York, a comprehensive insurance policy with a $1,000 deductible runs $1,428, 66% more than liability-only coverage. For a comprehensive policy with a $500 deductible, you can expect to pay 85% more than you might for liability-only coverage.
Contrast average expenditures for basic, good, and great insurance levels below.
|Location||Liability-Only||Comprehensive — $1,000 Deductible||Comprehensive — $500 Deductible|
In New York, drivers are required to maintain insurance at or above the below state minimum coverage level:
Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of their own costs, and theoretically, the chances of someone suing over culpability are decreased. As a bonus, it guarantees every driver immediate medical treatment in the event of an accident.
Car insurance companies aren't allowed to judge potential clients by their occupation or education levels. This state law is intended to ensure fair access to affordable auto insurance, with rates based on driving performance, rather than non-driving-specific details.
The lookback period for most DWI offenses in New York is 10 years. However, multiple offenses within a 25-year period may also lead to enhanced penalties.
All penalties include an annual assessment fine of $250 for three years and a possible requirement to attend the New York Drinking Driver Program at the offender’s expense.
First-time DWI or DWAI-Drug offenses in New York lead to:
When you receive a ticket your auto insurance premiums will probably rise. How much your rates rise depends on the violation's severity, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a snapshot of typical auto insurance rates in New York after a few common citations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$3,073||82%||$1,385|
|Refused Breathalyzer/Chemical Test||$3,014||79%||$1,326|
|Driving with a Suspended License||$2,326||38%||$638|
|Driving with an Open Container||$1,811||7%||$123|
|Operating a Vehicle Without Permission||$1,781||5%||$93|
|Passing a School Bus||$1,778||5%||$90|
|Following Too Closely||$1,781||5%||$93|
|Failure to Stop at a Red Light||$1,781||5%||$93|
|Driving Wrong Way/Wrong Lane||$1,781||5%||$93|
|Failure to Yield||$1,781||5%||$93|
|Speeding in a School Zone||$1,794||6%||$106|
|Driving Too Slowly||$1,794||6%||$106|
|Driving with Expired Registration||$1,717||2%||$29|
|Failure to Show Documents||$1,717||2%||$29|
|Failure to Use Child Safety Restraint||$1,688||0%||$0|
|Failure to Wear a Seat Belt||$1,688||0%||$0|
|Driving Without Lights||$1,688||0%||$0|
Our data indicate Erie ($615) and Travelers ($772) have the cheapest premiums in New York.
What is the average cost of car insurance in New York?
The average cost of car insurance in New York is $1,587 per year for full coverage and $859 for liability-only insurance.
New York is a no-fault state, which can make car insurance more expensive because drivers are required to carry PIP coverage. Moreover, uninsured motorist coverage is also required by law in New York state. In order to see a complete picture of why your rate is so expensive, consider your driving profile. Do you live in a dense area such as Manhattan, Brooklyn, Queens, or the Bronx? Do you have accidents on your record? Are you with the right company? These questions can help you determine why you might be paying too much for car insurance.
This depends on the length for which your insurance coverage lapsed. New York state assigns daily fees depending on the length of the lapse. The longer you allow coverage to lapse, the greater your fine will be.
Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Irondequoit, New York, and the most expensive in Hempstead, New York.
|Rank||City||Avg. Annual Premium|
At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the New York area, while also getting an insider view of the Empire State.
So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.
The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.
Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.
Your original video should not exceed 2 minutes
The video must be hosted on YouTube or Vimeo
Email your submission to firstname.lastname@example.org
your name, address, and phone number when you submit
Selected winner(s) will be awarded a check for $1,000
Applications must be received by 11:59 p.m. CST on December 31st, 2020
Winner(s) will be selected and notified by email by January 31st, 2021
The winner will be selected based on creativity in the content and presentation
*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.
By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.