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Car insurance is expensive in New York. The average car insurance premium in New York is $1,582 per year — nearly 11% more than the national average.
Your auto insurance rates are affected by factors aside from geography. Auto insurance premiums price based on an array of considerations, such as a driver's marital status, driving history, credit rating, gender, and age.
We analyzed average New York auto insurance rates by each of the most common rating factors. Continue reading to learn how much auto insurance costs in each location — or enter your zip code to see personalized quotes from top insurance companies.
It's a common phenomenon: as you age, your auto insurance expenditures shift. Typically, auto insurance is more costly for teenage drivers, as car insurers see inexperienced drivers as more risky.
In New York, car coverage costs $5,370 annually for a 16-year-old driver, and only $1,347 per annum for a client in their 50s.
|Age||Average Annual Premium|
If you're shopping for car insurance for a teen driver, New York is the 14th cheapest state in which to buy auto insurance for a 16-year-old.
While gender doesn’t have as significant an impact on car insurance prices as a driver's location or age, it is used as a rating factor by car insurance companies.
|Gender||Average Annual Rate|
If you think about getting the best possible value with your present auto insurance company, the best course of action is to compare offerings from a variety of insurance companies.
A pro of marriage — aside from the wedding gifts — is the price cut you tend to receive on your car insurance policy. In New York, married drivers save $45 per year on auto insurance. This is less than the national average of $76.
|Marital Status||Average Annual Premium|
Auto insurance for divorced drivers in New York is the 17th most expensive in the nation. If you're overpaying for your car insurance, don't hesitate to shop around. You could save big!
Car insurers use credit history to gauge the reliability of a prospective customer. Historical data demonstrate motorists who carry superior credit are more dependable car insurance customers: they less commonly file claims for which insurance companies pay.
In New York, a motorist with excellent credit saves $1,571.86 per year in auto insurance premiums, compared to a driver saddled with a poor credit history. Read more about how credit score affects auto insurance expenditures:
|Credit Tier||Average Annual Rate|
|Very Poor (300-579)||$2,875.31|
|Very Good (740-799)||$1,511.33|
Finding affordable auto insurance with a bad credit history can be difficult. But we're here to help. Read our tips on getting auto insurance with bad credit and save!
If you’re found at fault after a driving incident or convicted of a driving infraction, your insurance rates are bound to grow. The more violations you accumulate, the more expensive your car insurance gets.
In New York, your first minor at-fault accident will lead to an extra -$70.41 per year in auto insurance premiums. A DUI — thought of as one of the most serious driving infractions — can raise your yearly insurance rates in New York by as much as $645.79.
|Age||Average Yearly Rate|
|DUI or DWI||$2,228.20|
|At-Fault Accident (<$1,000)||$1,512.00|
|At-Fault Accident ($1,000-$2,000)||$1,993.83|
|At-Fault Accident (>$2,000)||$1,940.49|
|Speeding (21-25 MPH > limit)||$1,581.02|
|Speeding (16-20 MPH > limit)||$1,581.02|
If you're facing above-average auto insurance costs, consider weighing rates to find reasonably priced insurance coverage that meets state regulations.
The amount you're charged each month for car insurance depends on how much protection you choose. Liability-only coverage generally is less expensive, while low-deductible comprehensive coverage costs more. In New York, the rate disparity between liability-only coverage and comprehensive coverage with a $500 deductible is $803.
|Coverage Level||Average Annual Premium|
|$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only||$1,092|
|$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$1,730|
|$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,895|
|$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only||$983|
|$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$1,621|
|$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,786|
|State Minimum — Liability Only||$887|
|State Minimum — $1,000 Comprehensive/Collision||$1,525|
|State Minimum — $500 Comprehensive/Collision||$1,690|
If you're facing above-average car insurance payments, think about getting quotes to get inexpensive insurance coverage that covers your vehicle appropriately.